How the Challenge Works & FAQs


Registration is simple, quick and easy!

Sign up for SpenDebt

This makes it easier and more manageable to pay down debt or save or invest with micropayments. (Use promo code: htx )

Make the most of the resources

We're here for you. Education, community, and commitment are key to your success.


Attend the sessions, ask questions, and share your progress. Engagement helps make a huge difference. #htxfundsup

Frequently Asked Questions

How long is the challenge?

Funds Up! will run for approximately 12 weeks or 3 months long from early November 2023 through the start of February 2024.

Who is eligible to participate?

Houston metro area residents 18-years or older and ready to get their Funds Up! are eligible to participate.

What if English isn't my first language?

One of our goals with Funds Up! is to be inclusive. Funds Up! educational assets will be provided in English and Spanish for our inaugural year. We may add additional languages in subsequent years based on participation.

Are there any fees?

It is FREE to register for and participate in the Funds Up Houston Money Challenge. Please note that the Spendebt platform does have a $3.99 monthly fee after your first 3 months free during the challenge, use promo code htx.

Do I have to use Spendebt?

Short answer: No, but we highly recommend it.

Spendebt was developed to help everyday people pay off their debts faster. By leveraging micropayments through everyday transactions you can pay off debt without having to think too much about it. If you would like the ability to break larger monthly payments into more manageable transactions or make additional payments to pay down debt faster without a lot of effort, we recommend you use the Spendebt app. Your first 3 months are free when using the promo code: htx. There are no surprise fees and there are no contracts so you can cancel anytime.

How will I know if I am successful?

Our main goal with Funds Up! is to help Houstonians get their funds up through paying off debt, increasing savings, or building investments with access to financial tools and education. If you are doing better in one of those areas throughout and after the challenge then you did it, you got your Funds Up!