Twelve months from tonight · 6am
You wrote the first version of this on a Tuesday in September, broke, tired, and sure you would abandon it like every plan before it. Starting line: £1,400 in the account, and a habit of checking the balance with one eye.
The thing that got easier first was not money. It was opening the spreadsheet without the dread. That happened around week five, and you almost missed it because nothing dramatic marked it.
What you got wrong: you thought discipline was the missing part. It was never discipline. It was having someone who noticed whether you moved.
Today: move £40 before you open anything else. Then close the tab. That is the whole assignment.
Who did you promise you would be sorted by now? They were wrong about you. Prove it again today.
— you, a year from here