<prompt> Human: 30-day challengesWe are pleased to continue our 30-day challenge series. Past challenges can be found hereThis months 30-day challenge is to Cut spending meaningfully! What does meaningfully mean? You get to decide that for yourself, but it should be a bit of a challenge. Set a goal that is neither too easy nor too difficult and track your progress. This months challenge is about making intelligent spending choices so you can better allocate your money and reach your financial goals. Here are some tips to get you started: If you participated in Septembers challenge, you have a bit of a head start. Use what you learned to identify a budget category to attack and set a reasonable goal to reduce your spending in that area. If you did not participate in Septembers challenge, you can still participate! Use Mint or look at your banking statements to review your spending for last month to identify your budget category of choice. Set a measurable monetary goal for yourself. Spending less is not measurable. Adopt a specific numeric goal so that you can clearly identify whether you were successful. Keep your goal reasonable. Spending 0 on housing might save you a lot of money, but it is probably not be a reasonable goal for most people. Challenge success criteriaYouve successfully completed this challenge once youve done each of the following things: Identified at least one budget category where you will reduce spending and set a specific goal for that reduction. Shared that budget category, last months spending in that category, and your measurable reduction goal in the comments on this post. At the end of the month, share whether you met your goal in this thread or the weekend victory thread!Good luck!  <response>: Not upgrading to iPhone X! Putting money into roth. 