{"id":6134,"date":"2025-04-10T15:15:00","date_gmt":"2025-04-10T15:15:00","guid":{"rendered":"https:\/\/www.lendnation.com\/?p=6134"},"modified":"2026-01-26T19:19:03","modified_gmt":"2026-01-26T19:19:03","slug":"5-money-saving-challenges-to-try-this-year","status":"publish","type":"post","link":"https:\/\/www.lendnation.com\/blog\/article\/5-money-saving-challenges-to-try-this-year\/","title":{"rendered":"5 Money Saving Challenges to Try This Year"},"content":{"rendered":"\n<article class=\"wp-block-group alignfull p-post-single is-layout-flow wp-block-group-is-layout-flow\">\n<header class=\"wp-block-group alignfull p-post-single-hero is-style-theme-subtle-light has-backgrounds-subtle-light-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center l-container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-1f86b309 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-a4fd459e wp-block-group-is-layout-constrained\"><div style=\"text-transform:uppercase; margin-top:0;margin-bottom:var(--wp--preset--spacing--60);\" class=\"theme-color-secondary t-date wp-block-post-date\"><time datetime=\"2025-04-10T15:15:00+00:00\">April, 2025<\/time><\/div>\n\n<h1 class=\"wp-block-post-title has-display-x-large-font-size\">5 Money Saving Challenges to Try This Year<\/h1>\n\n<div style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/money-management\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--teal\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Money Management<\/span><\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-a209ae40 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__media has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-587a7eb1 wp-block-group-is-layout-constrained\"><figure style=\"margin-top:0;margin-bottom:0;\" class=\"is-style-image-featured s-aspect-ratio-1-1 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/04\/five-money-saving-challenges-to-try-this-year-LendNation.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Saving more money can be fun! Try these challenges this year to save money.\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/04\/five-money-saving-challenges-to-try-this-year-LendNation.jpg 5064w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/04\/five-money-saving-challenges-to-try-this-year-LendNation.jpg?resize=300,200 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/04\/five-money-saving-challenges-to-try-this-year-LendNation.jpg?resize=768,512 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/04\/five-money-saving-challenges-to-try-this-year-LendNation.jpg?resize=1024,683 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/04\/five-money-saving-challenges-to-try-this-year-LendNation.jpg?resize=1536,1024 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/04\/five-money-saving-challenges-to-try-this-year-LendNation.jpg?resize=2048,1365 2048w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/04\/five-money-saving-challenges-to-try-this-year-LendNation.jpg?resize=1619,1080 1619w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-group p-post-single-body has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-saving-money-can-be-fun\"><strong>How Saving Money Can Be Fun<\/strong><\/h2>\n\n\n\n<p>Saving money does not have to mean giving up everything you enjoy. Many people use short-term money-saving challenges to build awareness around spending and create better habits. These challenges work best when they are flexible and fit your real life.<\/p>\n\n\n\n<p>Whether you want to build an emergency fund, save for a vacation, or simply learn how to save more money, these money saving challenges can help you reach your financial goals in a creative way.<\/p>\n\n\n\n<p>Here are five fun money saving challenges to try this year.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-the-52-week-money-saving-challenge\">1. <strong>The 52-Week Money Saving Challenge<\/strong><\/h3>\n\n\n\n<p>The <a href=\"https:\/\/www.cnet.com\/personal-finance\/banking\/need-a-2025-financial-diet-try-one-of-these-savings-challenges\/\">52-week money saving challenge<\/a> is a popular way to build a savings habit over time. It focuses on starting small and increasing contributions gradually, which can feel more manageable than saving a large amount all at once.<\/p>\n\n\n\n<p>Here\u2019s how it works:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Start with $1 in the first week.<\/li>\n\n\n\n<li>Increase your savings by $1 each week ($2 in week 2, $3 in week 3, etc.).<\/li>\n\n\n\n<li>By week 52, you\u2019ll deposit $52, reaching a total of $1,378 saved.<\/li>\n<\/ul>\n\n\n\n<p>Many people like this challenge because it builds consistency and awareness without putting pressure on their budget. If a week feels tight, it is okay to pause or adjust the amount. The goal is to build a habit that fits your life, not to hit a specific number.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-the-no-spend-challenge\"><strong>2. The No-Spend Challenge<\/strong><\/h3>\n\n\n\n<p>The <a href=\"https:\/\/www.tiktok.com\/@george.kamel\/video\/7385921450210807083\">no-spend challenge<\/a> is a short-term exercise designed to help you notice spending patterns and pause purchases that are not planned. Instead of focusing on restriction, this challenge works best when it is treated as a reset and reflection period.<\/p>\n\n\n\n<p>How it works:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Choose a timeframe, such as a weekend, a week, or an entire month.<\/li>\n\n\n\n<li>Only spend money on essential expenses like rent, utilities, groceries, and gas.<\/li>\n\n\n\n<li>Avoid non-essential spending on things like dining out, shopping, and entertainment.<\/li>\n<\/ul>\n\n\n\n<p>This challenge helps highlight where your money is going and encourages you to use what you already have. It is a great way to reset your <a href=\"https:\/\/www.lendnation.com\/resources\/wiki\/budgeting\/\">budget<\/a>,, improve financial discipline, and cut back on impulse purchases.<\/p>\n\n\n\n<p><strong>Tip:<\/strong> Transfer the money you would have spent into a savings account and track your progress.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-the-spare-change-challenge\"><strong>3. The Spare Change Challenge<\/strong><\/h3>\n\n\n\n<p>The <a href=\"https:\/\/finance.yahoo.com\/news\/spare-change-challenge-does-even-171421426.html\">spare change challenge<\/a> is an effortless way to save money without making big sacrifices. Small amounts can add up quickly over time, making this challenge perfect for those who prefer a gradual approach to saving.<\/p>\n\n\n\n<p>How it works:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Every time you pay with cash, put the change into a savings jar.<\/li>\n\n\n\n<li>If you use debit or credit cards, use an app like <a href=\"https:\/\/www.acorns.com\/\">Acorns<\/a> or <a href=\"https:\/\/www.qapital.com\/\">Qapital<\/a> to round up purchases and save the difference.<\/li>\n<\/ul>\n\n\n\n<p>Since this challenge does not require setting aside large amounts, it is an easy habit to maintain. At the end of the year, you can use the saved money for holiday shopping, an <a href=\"https:\/\/www.lendnation.com\/resources\/wiki\/emergency-fund\/\">emergency fund<\/a>, or another financial goal.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-the-cash-only-envelope-challenge\"><strong>4. The Cash-Only Envelope Challenge<\/strong><\/h3>\n\n\n\n<p>The <a href=\"https:\/\/www.lendnation.com\/blog\/article\/how-to-use-envelope-budgeting-to-increase-your-savings\/\">cash-only envelope challenge<\/a> is a practical way to manage spending and stick to a budget. This method helps you stay mindful of your purchases by working with the cash available in your designated envelopes.<\/p>\n\n\n\n<p>How it works:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Create envelopes for different spending categories such as groceries, entertainment, and dining out. Read more creative ways to <a href=\"https:\/\/www.lendnation.com\/blog\/article\/6-ways-to-save-money-on-food-and-groceries\/\">save on food and groceries<\/a>.<\/li>\n\n\n\n<li>Fill each envelope with cash based on your monthly budget.<\/li>\n\n\n\n<li>Once the cash is gone, you cannot spend any more in that category until the next month.<\/li>\n<\/ul>\n\n\n\n<p>This challenge helps eliminate unnecessary expenses and prevents overspending. It is especially useful for people who struggle with sticking to a budget. Put any leftover cash at the end of the month into a savings account instead of rolling it over to the next month\u2019s budget.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-the-5-bill-challenge\"><strong>5. The $5 Bill Challenge<\/strong><\/h3>\n\n\n\n<p>The <a href=\"https:\/\/www.thepennyhoarder.com\/save-money\/five-dollar-challenge\/\">$5 bill challenge<\/a> is one of the simplest and most effective ways to save money without having to think about it too much. This challenge works well for those who use cash frequently and want to build up savings over time.<\/p>\n\n\n\n<p>How it works:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Choose a timeframe, such as a weekend, a week, or an entire month.<\/li>\n\n\n\n<li>Every time you receive a $5 bill, set it aside in a savings jar.<\/li>\n\n\n\n<li>Continue this throughout the year without spending any of your $5 bills.<\/li>\n<\/ul>\n\n\n\n<p>This method helps because small amounts add up over time. At the end of the year, the saved money can help build your emergency fund or cover everyday expenses when they come up.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-choose-a-challenge-to-start-saving-more\"><strong>Choose a Challenge to Start Saving More!<\/strong><\/h2>\n\n\n\n<p>Saving money does not have to feel like a chore. By turning it into a challenge, you can make the process fun, rewarding, and easier to stick to. Whether you want to save for a rainy day, reduce your <a href=\"https:\/\/www.lendnation.com\/resources\/wiki\/debt\/\">debt<\/a>, or <a href=\"https:\/\/www.lendnation.com\/blog\/article\/how-to-plan-for-expensive-purchases\/\">plan for a big purchase<\/a>, these money saving challenges can help you reach your financial goals.<\/p>\n\n\n\n<p>If you want structured savings, the 52-week money saving challenge is a great choice. If you <a href=\"https:\/\/www.lendnation.com\/blog\/article\/money-saving-hacks-for-everyday-household-expenses\/\">need help cutting expenses<\/a>, the no-spend challenge can be a game-changer. For those who want to save with minimal effort, the spare change and $5 bill challenges are excellent options. The cash-only envelope challenge is perfect for better budget control.<\/p>\n\n\n\n<p>If you ever need extra cash for unexpected expenses, <a href=\"https:\/\/www.lendnation.com\/services\/\">LendNation offers flexible loan options<\/a> to help you stay on track financially.<\/p>\n\n\n\n<p><strong>Resources:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.lendnation.com\/services\/\">https:\/\/www.lendnation.com\/services\/<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.lendnation.com\/blog\/article\/how-to-use-envelope-budgeting-to-increase-your-savings\/\">https:\/\/www.lendnation.com\/blog\/article\/how-to-use-envelope-budgeting-to-increase-your-savings\/<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.lendnation.com\/blog\/article\/6-ways-to-save-money-on-food-and-groceries\/\">https:\/\/www.lendnation.com\/blog\/article\/6-ways-to-save-money-on-food-and-groceries\/<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.lendnation.com\/blog\/article\/top-10-money-saving-hacks-to-try-in-2024\/\">https:\/\/www.lendnation.com\/blog\/article\/top-10-money-saving-hacks-to-try-in-2024\/<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.lendnation.com\/blog\/article\/money-saving-hacks-for-everyday-household-expenses\/\">https:\/\/www.lendnation.com\/blog\/article\/money-saving-hacks-for-everyday-household-expenses\/<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.cnet.com\/personal-finance\/banking\/need-a-2025-financial-diet-try-one-of-these-savings-challenges\/\">https:\/\/www.cnet.com\/personal-finance\/banking\/need-a-2025-financial-diet-try-one-of-these-savings-challenges\/<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.thepennyhoarder.com\/save-money\/five-dollar-challenge\/\">https:\/\/www.thepennyhoarder.com\/save-money\/five-dollar-challenge\/<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.tiktok.com\/@george.kamel\/video\/7385921450210807083\">https:\/\/www.tiktok.com\/@george.kamel\/video\/7385921450210807083<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/finance.yahoo.com\/news\/spare-change-challenge-does-even-171421426.html\">https:\/\/finance.yahoo.com\/news\/spare-change-challenge-does-even-171421426.html<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<aside class=\"wp-block-group p-post-single-related has-global-padding is-layout-constrained wp-container-core-group-is-layout-07747ed5 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--80)\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60)\"\/>\n\n\n\n\n\n<h2 class=\"wp-block-heading has-display-small-font-size\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--50)\">Explore Related Posts<\/h2>\n\n\n\n<div class=\"wp-block-group 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href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/money-management\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--teal\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Money Management<\/span><\/a><\/div>\n\t\t\t<div style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:0;\" class=\"t-date wp-block-post-date\"><time datetime=\"2026-02-26T17:30:57+00:00\">February, 2026<\/time><\/div><\/div>\n\t\t\n\t\t<figure class=\"p-post-highlight__media s-aspect-ratio-4-5 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/02\/shutterstock_2684351047.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Person putting cash into emergency fund savings jar while reviewing budget and financial planning documents\" style=\"object-fit:cover;\" 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href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/money-management\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--teal\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Money Management<\/span><\/a><\/div>\n\t\t\t<div style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:0;\" class=\"t-date wp-block-post-date\"><time datetime=\"2025-12-11T14:20:05+00:00\">December, 2025<\/time><\/div><\/div>\n\t\t\n\t\t<figure class=\"p-post-highlight__media s-aspect-ratio-4-5 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"635\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/12\/holiday-loans-top-uses-lendnation.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Shopper reviewing a simple holiday budget and small loan options on a phone\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/12\/holiday-loans-top-uses-lendnation.jpg 6006w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/12\/holiday-loans-top-uses-lendnation.jpg?resize=300,186 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/12\/holiday-loans-top-uses-lendnation.jpg?resize=768,476 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/12\/holiday-loans-top-uses-lendnation.jpg?resize=1024,635 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/12\/holiday-loans-top-uses-lendnation.jpg?resize=1536,952 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/12\/holiday-loans-top-uses-lendnation.jpg?resize=2048,1270 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\t\n\t<p class=\"a-hidden-link-cover wp-block-post-title\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/top-5-ways-customers-use-holiday-loans\/\" target=\"_self\" >Top 5 Ways to Use Holiday Loans<\/a><\/p><\/div>\n\n\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-62083a6e wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button is-style-tertiary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.lendnation.com\/blog\/\">Visit Blog\n\t\t\t                                                                                                  Homepage<\/a><\/div>\n<\/div>\n<\/aside>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>Want to boost your savings this year? These 5 money saving challenges can help you cut expenses and grow your savings effortlessly!<\/p>\n","protected":false},"author":18,"featured_media":6136,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[38],"tags":[183,577],"class_list":["post-6134","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-management","tag-budgeting","tag-budgeting-with-tech"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>5 Money Saving Challenges to Try This Year - LendNation<\/title>\n<meta name=\"description\" content=\"Want to boost your savings this year? These 5 money saving challenges can help you cut expenses and grow your savings effortlessly!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lendnation.com\/blog\/article\/5-money-saving-challenges-to-try-this-year\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Money Saving Challenges to Try This Year\" \/>\n<meta property=\"og:description\" content=\"Want to boost your savings this year? 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