If you’re juggling a career, a social life, and trying not to cry every time you open your banking app—hi, same. 😅 Being in your 20s or 30s means learning how to do the most with less, and nothing helps you do that quite like minimalist budgeting.

The vibe? Simple. Intentional. Satisfying. And yes, you can still sip your oat milk latte while building your emergency fund. Here’s how to make frugal living feel like second nature (without sacrificing the things you love).

Master the art of budgeting money with these 12 monthly saving challenges that fit into your everyday routine. From simple habits to frugal living tips, you’ll save more while staying on track with your financial goals. Click to download your free savings challenge worksheet and start tracking today!