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Money Saving Challenges: 7 Fun Ways to Save More This Year

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By Tahira GuLL October 06, 2026
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Saving money has a motivation problem. Everyone knows they should do it, almost nobody enjoys doing it, and "I'll start next month" is the most popular savings plan in America. Money saving challenges fix the motivation problem by turning saving into a game — with rules, a scoreboard, and a finish line. And games, unlike budgets, are something people actually stick with. A savings challenge is just a structured plan with a twist: instead of vaguely "saving more," you follow a specific set of rules for a set period, and at the end you've got a pile of cash and a story to tell. Some are slow and steady, some are intense sprints, and all of them work better than willpower alone. Here are seven of the best, from easiest to most ambitious — pick the one that fits your life, not the one that sounds most impressive. 1. The 52-Week Challenge (The Classic) The rules are beautifully simple: in week 1, save $1. In week 2, save $2. Week 3, $3 — all the way to week 52...
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