Skip to content

Top 5 Money-Saving Challenges to Try This Year


    This year is filled with endless possibilities for improving your financial well-being!

    If you’re looking to boost your savings and develop healthier money habits, you’re in the right place.

    In this post, we’ll explore five innovative and effective money-saving challenges that you can start right away.

    Plus, I have some exclusive savings challenges and templates to make your journey even smoother, look out for awesome freebies too. Let’s dive in!

    1. The 100 Envelope Savings Challenge:

    The 100 Envelope Savings Challenge is a great way to grow your savings.

    You can save an incredible amount of R5 050 ($5,050) when all 100 envelopes are filled.

    The beauty of the 100 Envelope Savings Challenge lies in its simplicity and flexibility. Whether you’re saving for a rainy day fund, a vacation, or a special purchase, this challenge provides a tangible way to track your progress and stay motivated. Plus, it’s a great way to develop the habit of saving regularly, no matter how small the amount.

    So, why wait? Grab your envelopes and watch your savings grow.

    Read more about the 100 Envelope Savings Challenge.

    Find out how it works and download the free Savings Challenge tracker. Print it out and start saving today.

    2. Tens, Twenties and Fifties Savings Challenges

    This is a super cute Savings Challenge that you will love.

    Start saving all your R10, R20 and R50 notes ($10, $20 and $50 bills). This set will work for anyone no matter what country you’re from, that’s why I don’t include currency symbols in my trackers.

    This set includes:

    • Tens Savings Challenge: Save all your 10 notes, mark it off on the A4 or A6 tracker and place it in the matching envelope.
    • Twenties Savings Challenge: Stash away your 20 notes, mark it off on the A4 or A6 tracker and place it in the matching envelope.
    • Fifties Savings Challenge: Save your 50 notes, mark it off on the A4 or A6 tracker and place it in the matching envelope.

    3. The Change Challenge

    You might want to start sifting through your pockets, jars, and between the couch cushions to collect all the loose change you can find.

    Imagine this: all the change you save could be a step toward achieving your financial goals. That’s the magic of the Change Challenge, it’s a creative way to turn your spare change into substantial savings.

    (With a free option as well)

    4. Money saving Envelope templates – Free

    Get these convenient and easy to use savings envelope templates, and best off they are all FREE to download.

    These include the following envelope templates: 5, 10, 20, 50, 100, 200, Christmas themed and a Random Save 500.

    5. Monthly Savings Trackers – Free

    Track your savings month by month for a whole year and achieve your financial goals.

    This 12 months savings tracker is customizable to your own goals. You decide how much you want to save.

    This tracker is totally FREE, go download it now.

    Print and cut out to fit perfectly in an A6 budget binder.

    Embarking on a money-saving challenge is an empowering way to take control of your finances and work towards your goals.

    Whether you’re aiming to build an emergency fund, pay off debt, or save for a big purchase, these challenges offer practical strategies and actionable steps to help you succeed.

    Remember, the journey to financial freedom starts with small, intentional choices. Are you ready to take the first step?

    Don’t forget to download our exclusive savings challenges and freebies to kickstart your progress.

    Here’s to a year of smart saving and financial empowerment!