The short answer: pick the challenge that fits how much you can set aside each week. Compare 8 savings challenge ideas, from the 52-week challenge ($1,378) to the 100 envelope challenge ($5,050).
- Weekly challenges: the 52 week savings challenge and 100 envelope vs 52 week.
- Daily: the penny challenge saves $667.95 in 365 days.
- Spend less: no spend January and the no buy challenge.
Our picks for money saving challenges
Starter pickPrintables
100 Envelope Savings Challenge
Classic, half and 52-week challenges to print, plus a spreadsheet that tracks every envelope and tells you how much to save each week.
$3.99Buy
Ideas and how-tos
- Savings challenge Start hereCompare 10 savings challenge ideas, from the 52-week challenge ($1,378) to the 100 envelope challenge ($5,050), with totals, weekl…
- 100 envelope vs. 52-week challengeHow the 52 week envelope challenge works ($1,378) vs the 100 envelope challenge ($5,050): weekly cost, time to finish and which on…
- No buy challengeStart a no buy challenge: sample rules, a worked monthly savings example, how to choose a length and when to begin before January …
- Penny challengeThe penny challenge saves $667.95 in 365 days, one cent more each day. Get the free chart, monthly totals, reverse and kids versio…
Guides
- 52 Week Savings ChallengeSave $1,378 with the 52 week savings challenge: full weekly chart, 6 variations (reverse, biweekly, envelope) and a plan to finish…
- No spend January challengeRun a no spend January challenge: decide what counts as essential, set household rules, plan meals first, track each day and put t…
How to use this page
Each page lists the totals and a chart or tracker. A challenge is a way to build a habit; where the money goes next is covered in saving money.