Plans › Together
Free 90-day tracker
Money Buddies
90 days of spending on purpose, with a friend to keep you honest: two no-spend days and three meals cooked at home a week, a 10-minute look at your spending, something put aside, and a weekly check-in.
- Free to start
- No ads
- Works offline
- Android & browser
How to do it together
- Everyone starts the plan. Each of you taps "Start this plan free" on your own phone. The same day is best, so your weeks line up.
- Tick off as you go. One tap per habit. Each habit shows how many you have this week.
- Share your week. On the Week page, tap "Share your week". The others get a picture of your week, with every habit and every ticked day, plus a link that starts the same plan on the same weeks.
- Check in once a week. Swap your weeks, talk about what worked, and tick off the check-in.
Everyone tracks in their own Momentum. There's no shared board or leaderboard: you see each other's progress when you share your weeks.
The habits
- A no-spend day2× a weekOnly the essentials today.
- Cook at home instead of eating out3× a weekCheaper, and you choose what goes in.
- Look at your spending for 10 minutes1× a weekBank app, receipts, subscriptions. Just look, no judging.
- Put something aside1× a weekAny amount. The habit matters more than the sum.
- Check in with your money buddy1× a weekShare your week and swap one money tip.
Make it yours
Start this plan free, exactly as it is. With Momentum Pro you can shape it to your life, or build your own challenge from scratch:
- Your own habitsAdd, remove or rename habits: a dog walk, a spin class, no coffee after 2 pm.
- How often, per habitEvery day, or 1 to 7 times a week. Strength twice, a class once.
- Your recovery daysChoose how many off days you get, or go strict with none.
- Harder habits count moreIn your own plan, give tough habits up to 10 points so they weigh more in your score.
- Any length30, 66 or 90 days, or ongoing.
- A reminder for each habitEach at its own time, so the nudge comes when it helps.
Why it's easier to stick with
- One tap per habitCheck off as you go. No forms, no fuss.
- See your weekA progress ring and calendar show how you're really doing.
- Miss a day, keep goingRecovery days mean one off day doesn't undo your week.
- Reminders that landA daily nudge, and with Pro a reminder for each habit at its own time.
Questions
- Is the Money Buddies plan free?
- Yes. Starting and tracking any ready-made plan in Momentum is free, in the Android app and in your browser. Momentum Pro adds streaks, levels, your own plans and a reminder for each habit.
- How long does the Money Buddies plan take?
- 90 days, with 5 habits on the days shown above.
- What if I miss a day?
- This plan starts in flexible mode, with recovery days, so one missed day doesn't undo your week.
Day 1 can be today.
Start Money Buddies in a minute. Free to start, no ads.
