52-Week Money Saving Challenge Printables To Make This Your Best Year Yet [10 Challenges]

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Looking to build a solid savings habit without feeling overwhelmed? The 52-week money-saving challenge is your perfect solution!

It’s a simple, step-by-step approach that helps you stash away cash each week—without breaking the bank.

Whether you’re saving for a vacation, an emergency fund, paying down debt, or just want a financial cushion, these challenges can help you save big by the end of the year.

It’s very common to start a money saving challenge in January and finish in December. If you’re looking to save money as a New Year’s resolution, you’re in the right place!

But you don’t have to wait until January to start! I deliberately didn’t put dates or months on these challenges, so you can start any time. Whether you came across this page in March, August or October, there’s no time like the present to start changing your life!

I have created a range of money saving challenges to suit every income level and savings goal.

Whether you can only spare a few dollars a week or you are hitting the savings large this year, I hope one of these challenges will work for you.

I’ve also included some tips for saving money and making extra money at the bottom of the page, so check it out.

Happy saving!

A colorful collage of savings challenge printables showcases amounts from $1,000 to $20,000. Titled "10 Free Printable Savings Challenges," it also highlights the popular 52-week money-saving challenge for a structured approach to building your savings.

How to use these money saving challenges

All these money saving challenge printables are completely free to download and use how you want for personal use.

You can print them out, stick them in your journal or on the kitchen wall, use them digitally, whatever works for you!

I’ve made two versions of each challenge: a pretty colourful version, and a plain black and white one (to be more printer-friendly!)

Simply click on the image below and the PDF file should open. You can then download it or print it out.

By the way, these challenges are all in dollars ($). If you want the same printables in £, click here for the UK version!

$1/week money saving challenges

My first money savings challenge is a classic idea of saving $1 more each week. On the first week you put aside just $1. Completely achievable, right? On the second week you put away $2. And so on.

If you keep this up for a whole year, you’ll have $1,378 by the end.

The idea is that you get more used to saving and living frugally as you go on, so you can afford to put away more and more money over time.

52-week money-saving challenge chart with weekly savings amounts ranging from $1 to $52. Total savings amount to $1,378 at the end of the challenge.

This is a classic money saving challenge that I’ve seen done many times online.

However, one big problem with that is that the end of the year is more expensive, right? Who wants to be saving extra in the build up to Christmas?

That’s why I also created a reverse $1/week challenge. You save $52 in the first week and $1 less each week after that. You’ll still have the same amount at the end.

Join the 52-week money saving challenge with this easy-to-follow table, amassing $1,378 by year's end. From weeks 1 to 52, track your progress with incremental savings and running totals each week, culminating in a rewarding final total of $1,378.
Join the 52-week money-saving challenge with this handy chart, featuring weekly deposits that grow progressively to help you save $1,378. Each week showcases specific deposit amounts and a running cumulative total to keep your savings on track.

$2/week money saving challenges

This is based on the same concept as above, but it’s for people who are ready to save a little more. You start saving $2 per week, and increase it by $2 each week.

You’ll end up with $2756 at the end of the year.

A 52-week money saving challenge chart features weekly amounts ranging from $2 to $104, culminating in a total of $2,756 by week 52. The chart is neatly arranged into two columns, each spanning 26 weeks for easy tracking.
A chart titled "52 Week Money Saving Challenge" outlines how you can accumulate $2,756 over a year with carefully planned weekly savings.

Again, I’ve done an ascending version (starting with $2) and a descending version (starting with $104). So you can pick the challenge that works best for you.

A table detailing the 52-week money-saving challenge displays weekly amounts alongside cumulative totals, all culminating in a savings sum of $2,756.
Chart of a 52-week money-saving challenge, totaling $2,756. Weekly savings start at $2 and increase gradually, with amounts checked off in weeks 9, 10, 17, and 32. This engaging 52-week money saving challenge helps build your nest egg effortlessly over the year.

$1,000 money saving challenge

$1,000 is a really common savings goal, so I made this $1,000 savings challenge for you.

To save $1,000 in a year, you’ll need to put aside between $10 and $30 each week. The amounts are slightly different each week.

If you wanted to save the same amount each week, it would be $19 per week to save just over $1000.

A chart illustrating the 52-week money-saving challenge to accumulate $1,000, with weekly savings starting at $10 and gradually increasing to $50 by week 52. Total savings are carefully calculated each week to keep you motivated throughout this rewarding journey.
The table illustrates a 52-week money-saving challenge, beginning with $10 in week 1 and building up weekly to culminate in a total savings of $1,000 by week 52.

$3,000 money saving challenge

$3,000 is another common target that people have been requesting, so here you go!

Join the 52-week money saving challenge with this chart, where weekly deposits increase from $20 to $115, helping you save a total of $3,000 by week 52.
The 52-week money-saving challenge chart outlines weekly savings and cumulative totals, guiding you to save $3,000 effortlessly.

$5,000 money saving challenge

Here we start getting into some meatier goals!

I know a lot of people are aiming to save $5,000 in a year. There’s a lot you can do with $5,000! These charts will help you achieve it.

I’ve made two versions of the save $5,000 challenge. This first version has different amounts each week, just because I know each week is different! I also know that money is tighter in January and in the run-up to the holidays. That’s why the target amounts to save are higher in the spring and summer months and ease off towards the end of the year.

Of course, you don’t necessarily have to save all these amounts in order. If you’ve managed to put aside $100 but it’s only a $60 week, you can tick off a $100 box instead and earn yourself some slack later in the year!

The chart, titled "$5,000: 52 Week Money Saving Challenge," elegantly displays both weekly savings amounts and cumulative totals, guiding participants from week 1 to week 52 on their financial journey.
A chart illustrating the 52-week money-saving challenge highlights weekly amounts and tracks total savings to achieve $5,000 by the end of week 52.

If you prefer to save regular amounts, this second version of the challenge is for you. To save $5,000 in one year, you’ll need to save $97 per week (with a few easier weeks at the end!)

A vibrant chart titled "52 Week Money Saving Challenge" outlines weekly savings and cumulative totals, designed to help you save $5,000 by week 52.
Check out this table detailing a 52-week money-saving challenge. Start with $97 weekly, working up to a total of $5,000 by week 52. Columns include the week number, amount saved each week, and the cumulative total along your journey to financial success.

$10,000 money saving challenge

$10,000 is another common money saving goal! It is achievable by saving throughout the year, although if you are on a lower income, you will probably need to start a side hustle to come up with the extra cash.

My printable will help guide you. Again, I’ve suggested lower amounts in January and December.

Join the 52-week money-saving challenge, starting with just $110 in week 1 and growing to $260 by week 52. Watch your savings soar to a total of $10,000 over the year.
A $10,000 52-week money-saving challenge chart outlines weekly deposits ranging from $110 to $3,000, culminating in a substantial savings goal.

$20,000 money saving challenge

Ready for a real challenge? Here’s how you can save $20,000 in one year!

A 52-week money saving challenge chart outlines weekly contributions and cumulative totals to reach a $20,000 savings goal.
Join the 52-week money-saving challenge with our detailed chart to save $20,000. Track your progress with weekly deposits ranging from $220 to $600 and watch your cumulative totals grow.

How to meet your savings goals

Saving money isn’t easy. That’s why it’s called a challenge!

To meet the target savings in these challenges, you basically have two options: spend less money or make more money (or a combo of the two, of course).

Depending on where you are in life and what your current budget looks like, you need to think about what would work for you.

If you happen to have a lot of disposable income and you know you spend too much on clothes and other non-essentials, the obvious answer is to cut down.

If you’re living pay-check to pay-check and you barely have enough to cover the essentials, you should seriously consider a side hustle or a second job!

Here are some ideas to help:

Ideas for saving money

  • Meal prep: Plan and cook meals at home to avoid expensive takeout.
  • Use cashback apps: Earn money back on everyday purchases.
  • Cancel unused subscriptions: Review your monthly subscriptions and cancel ones you don’t need.
  • Buy in bulk: Purchase non-perishable items in bulk to save over time.
  • Use public transportation: Save on gas and parking by using buses or trains when possible.
  • Shop sales and use coupons: Plan purchases around sales and apply coupons to save extra.
  • Unsubscribe from marketing emails: Avoid temptation by reducing exposure to promotional offers.
  • Switch to a cheaper phone plan: Compare mobile plans and switch to a more affordable one.
  • Refinance loans: Consider refinancing loans or mortgages to lower interest rates.
  • Wait 24 hours before impulse buys: Avoid buying unnecessary items by waiting before purchasing.
  • Use a library: Borrow books, movies, and more for free instead of buying.
  • Negotiate bills: Call service providers and negotiate lower rates for things like internet or insurance.

Ideas for making money

  • Sell items online: Use platforms like eBay or Facebook Marketplace to sell unwanted items.
  • Freelance writing: Offer writing services on websites like Upwork or Fiverr.
  • Teach online: Tutor students or teach skills on platforms like VIPKid or Skillshare.
  • Deliver food: Sign up for food delivery services like DoorDash or Uber Eats.
  • Become a virtual assistant: Help businesses with tasks like email management or scheduling.
  • Rent out a spare room: List a room on Airbnb for short-term rentals.
  • Start a blog: Monetize through ads, sponsored posts, or affiliate marketing.
  • Pet sitting or dog walking: Earn extra by caring for pets in your neighborhood.
  • Complete online surveys: Get paid for taking surveys on sites like Swagbucks or Survey Junkie.
  • Sell handmade crafts: Open an Etsy shop to sell crafts, printables, or homemade products.
  • Flip items: Buy secondhand goods and resell them for a profit.
  • Offer online consulting: Provide advice or coaching in areas you specialize in.
  • Do odd jobs: Use platforms like TaskRabbit to get paid for small jobs and errands.

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Colorful charts display various 52 week money saving challenges with amounts from $1,378 to $5,000. At the top, bold text declares “Free 52 Week Money Saving Challenges.”

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