“Do something today that your future self will thank you for.”
This quote always reminds me why I save and challenges me to think differently about my financial choices. Saving money isn’t just about cutting costs, it’s about investing in the life you want to live. The first step is shifting your mindset and seeing saving as a tool for freedom, not restriction.
In this post, I’ll introduce three fun and effective money challenges that will make saving feel exciting rather than overwhelming. Future you deserves that dream vacation, a trip to Disney World, and, most importantly, financial stability that allows you to live life on your terms. I hope these challenges inspire you as much as they’ve helped me. Let’s start building a future you’ll be proud of. Let’s dive in!
1. Money Saving BINGO
You’ve heard of playing BINGO and losing money, but what if you could win at saving instead? With this game, you’ll cross off the amounts you save, whether in your savings account or a separate cash folder. The ultimate goal is to save $5,000. But here’s the fun part: if you get a BINGO in any direction, you’ll already have $1,000 saved.
Commit to setting aside each random amount for just five paychecks and you’ll be further along in your savings journey than you ever expected. Ready to play?
2. Roll The Dice Saving Challenge
You’ve heard about rolling the dice and losing money, but with this challenge, it’s a win-win. You save money, and your future self will thank you.
Here’s how it works: roll the dice each week and save the amount that matches your roll. Want to make it even more exciting? Try it with family to save for a group goal like a vacation and challenge each other to stay accountable. The more players, the faster you’ll reach your savings target.
3. Save The Change Challenge
The average person makes 68 transactions per month, according to the Federal Reserve Bank of Atlanta. Many underestimate the power of spare change, but remember when you used to save money in a piggy bank? You don’t need one for this challenge, just a simple round-up method.
If you prefer digital savings, apps like Cash App can automate this for you. Each time you make a transaction, round up the total and set aside the difference. With an average of $0.50 saved per transaction, that adds up to nearly $500 a year all from spare change you’d barely notice. That’s enough for a vacation, a splurge on something special, or a boost to your savings. Your future self will thank you!