Add Yahoo as a preferred source to see more of our stories on Google. Julianna Simmons, Grace Nevitt and Rebecca Sowden are three people who took part in this budgeting challenge and lifestyle change.

For Grace Nevitt, the new year kicked off with a no-buy challenge. “I felt like my money was kind of just leaking out in random places. I was ... looking at my statements being like, ‘OK, where did ...