This sounds like a great way to save $$$ and set goals. I would love to join but question?? Do you do all 5 challenges or is it optional to do a portion of them? Not sure what I plan to do yet as I want to check my budget. I do want to try cold turkey for say 3 months..not sure I will last or not though so I don't want to set myself up for failure. I am thinking try the 3 mo's w/out spending but put say $25.00 aside for each month (w/out spending it) and another $25.00 in savings. Then challenge myself to make something using my stash and give myself an extra $5.00 dollars for like 10 cards made or 5 double page scrapbook layouts done. Does that sound reasonable? I want to make it fun but at the same time somthing I can maintain.