I gave up a while ago. If I could put a lump in at the beginning of the month when I get paid, I’d be fine, but I’m not consistent enough with my spending to meet the payments every day. so it got annoying towards the back end of the month with all the “failure” messages 
1 Like
That’s right, give it up, nothing to see (or win) here! 
I’m still in. Chucked £106.64 into the Personal account to drip-feed 1p-challenge payments for December, which is a bit of a stretch given the time of year.
Nicely, I see I only have to put £21.75 into the PA to cover 1p-challenge payments for the remainder of the challenge in January before (a) it finishes and I’ve got nearly £700 (b) I’ve got (a) plus potentially winning £10K too 
It’s a bit painful but I’m still in
I’m still in but it’s getting steep. When people proposed the reverse 1p, I initially preferred it. But then decided I’d find it easier to start parking £56/month from January which would cover the 1p challenge throughout the year and makes the last 3 months a lot more palatable.
I’m thinking about whether I pause at the end of next week to give me space until after Christmas. It’s the final month though now, 6th Jan for me. I didn’t realise it would feel this challenging mentally so. I may not repeat, we’ll see if there’s another hope of a prize on offer to incentivise the torture 
Wonder when Monzo will start the next one, if there is a next one, will they let people start on the 1st Jan even though the current one will run past it? I know last year it was a touchy subject lol
3 Likes
I wish they started on the 1st December, so that the money would be ready to use as a Christmas gift budget. As it stands, I am still using it for that purpose, but it would be good not to have to use a credit card until I get that money back.
4 Likes
+1 this, with Christmas already being a difficult time for many especially with this cost of living crisis starting and ending on the first would be ideal to unlock that extra cash in time for Christmas gifts.
Or allow people to break out of it without penalty (still count December so long as money is kept in for the first day or two of December say Dec 2nd to showing intent you would have done December) although I get it’s not in the spirit of the challenge
There’s no penalty, you just don’t enter the £10k draw.
People shouldn’t save this way if they can’t ultimately afford it.
2 Likes
Fair I guess yeah no one is forcing you to enter you ultimately lose out in the draw but as you’ve said if you dont have the money they the draw likely wasn’t for you anyway
1 Like
I think if there was an option for reverse 1p challenge people may find it more sustainable for the 76 days of January pay gap onward.
4 Likes