Generate a full detail guide on how to successfully complete a 'no-spend' challenge. The guide must be a practical playbook. It should include: 1. A section on setting the rules for your challenge (what is and isn't allowed). 2. A detailed checklist of how to prepare in the week leading up to the challenge. 3. A list of 20 free activities to do to stay entertained. 4. A guide on how to handle temptations and what to do if you slip up. 5. A plan for allocating the money you saved directly to your debt. Please include a supportive disclaimer.