12 Months = 12 Savings Challenges

Sometimes it's hard to realize the potential you have to save. It's a matter of taking what you have and challenging yourself to find ways to discover the dollars you didn't know where there.
One of the ways I make savings fun and manageable on a tight budget is by creating savings challenges every month. The challenge itself keeps me motivated, and saving regularly turns my actions into habits.
This year, I thought it would be fun to create savings challenges for every month in 2019, so I could save even more of my hard-earned dollars. Let's turn the new year into a year of saving so we can reach our savings goals!
Every dollar adds up!
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12 Months = 12 Savings Challenges: www.thebudgetmom.com/12-month...
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ABOUT ME
I'm the blogger behind www.thebudgetmom.com. I have a rambunctious 6-year-old son, live in Washington, and I'm passionate about helping people with money management and personal finance. Let me know what you like to learn more about! Leave me comments and suggestions on my video and let me know!
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[@WindsweptBeauty]

I’m a single mom/massage therapist and I only work for myself. so I’ve decided in 2019 every massage I do 10% will go into my savings. I also have my accounts set up to deposit 5 dollars everyday into my savings. I’m challenging myself to put 350 to 400 a month into my savings.

[@fabiola925]

🤷🏽‍♀️Shows up a 🤔year later 😅to do this for 2020👀😂😂😂

[@RocoLuv]

Just saw this today 😂

[@KfolksMs]

Saw it today too👀

[@pixfan2008]

Shows up 2 years later...lol...trying to find which video to start with.

[@ganaloveyoun.k2557]

La même chose pour moi lol ont va adapter et en choisir quelques uns 💋😉

[@aneyapitts9350]

🤣🤣 2021

[@rimurutempest3204]

Yesterday I was looking at our expenses. I have had my job for less than 2 months and already have spent over 130 just in McDonald's coffee!!! I can't imagine if I bought from Starbucks! Tomorrow buying my coffee maker bcz 130 in just coffee in 1 1/2 months is CRAZY!

[@tjandcj123]

Also if you like flavored coffee try the store brand creamers in the dairy section of your local grocery store, they cost like $2.99 for a big bottle.

[@tbfit7808]

McDonald’s coffee has been $1 for a year lol

[@PronghornPrairieFarm]

Rimuru Tempest $300 average on Starbucks over here 😑

[@CrystalArkia]

This year I didn’t celebrate Christmas and I let all of my family know. Lol. I always spend way too much money for the holidays and I’m learning to stop feel pressured to do that.

[@6packjesus]

U should feel happy about giving lol

[@sc3167]

@@6packjesus there are other ways to give instead of just monetary gifts. Especially if you can't really afford it or if you have a higher priority that you are trying to save for.

[@r.w.3897]

Sha C- That’s right! Besides, the best gift has already been given!!! Focus on the true meaning of the season!

[@sc3167]

@@r.w.3897 Amen, HE is the reason for the season!

[@juliefitzgerald-frangos2211]

Girl, you are a natural. I see big things happening for you...think dave ramsey, today show. Dream big, you have the IT factor and passion for this !!!

[@kristalmonique]

Fun and creative challenges! Looking forward to 2019

[@plants4thewin]

The Feb one is hilarious. You wanna eat out? NO! Her tone is awesome. She’s so right about hidden dollars. I could do better with groceries. I will try the pantry freezer challenges.

[@kAyshAwAcAnsing]

I know for a fact those weekly eyelash refills are a pain for the pockets! They look amazing though !

[@jenniferpalmer9713]

She budgets for her eyelashes, that's what some of the money in her beauty envelope is for.

[@lifeinthemo2372]

I haven’t bought coffee in years. Either make it at home or get the free one from work (although sometimes the work one is yuk-lol). It’s free.

[@LGnLA]

😁😁😁😁💯 I hate when I don't make my own coffee & have to drink the work stuff! 😝😝😝

[@samanthahardy9903]

Fantastic ideas. It's like Flylady but for saving instead of cleaning!

[@brendamhlongo2776]

I have never been so excited about a savings challenge. Im totally in.

[@popbre3]

I never have enough food in my freezer or pantry to do no shopping for a month or even a week.

[@Kenyamonique4]

Yesss I'm in let's save some money 💲💰

[@amandahume10]

Just stumbled upon your channel.. I’ve started the cash envelope system about 3 months ago and have already saved so much money and helped my budget SO much. I’ve managed to get about 1 month ahead on all my categories. This year I’m working towards saving and paying off the rest of my credit card debt. Loving your videos!! Thanks for sharing your story!

[@Jeannine241]

Fellow Spokanite here! I found you through the Spokane tag on IG and WOW you are INSPIRING! ✨ My biggest budget downfall is definitely how much and how often we spend at the grocery store

[@TheChocolatedrp]

So ready for this! It’s something about you and your methods that gets me so pumped and ready to tackle debt and savings. Thank you so much!

[@foopetlove109512]

I found your channel last night and you are so inspiring! You are also very relatable. I have always been a paycheck budgeter because the monthly budget just never make sense! This savings plan is F’ing gold! I’m going to implement some of these and also create some of my own. Now I’m heading over to your IG to binge that content as well 😂

[@sha_la007]

I want to join the 2019 challenge! This is GREAT!!!

[@truegritrn7583]

I just found your channel!!! I LOVE it All!!! I will be doing the 12 month savings challenge with you!! I’m so excited! Thank you for the inspiration!

[@guessowii]

how'd it go

[@jbs2cents596]

Excited about these challenges!

[@cyndispindler4928]

I am so happy I found your channel. I am getting so motivated watching you. I am determined to make 2019 my year to get my finances in order

[@sexxiiigirls00]

Cyndi Spindler same here

[@tephanieburnett378]

I love your approach; you made the challenges clear, productive, and FUN!

[@mariama1157]

Wow. We’ll do that and follow your journey on 2019.

[@aunniefannie27]

Stumbled across your channel and I'm hooked. Love your videos ! I'm definetly doing this 12 month challange!

[@RuthSolomon9]

This is my favorite TBM video!! Love the challenges!

[@Elizabeth-uj8vn]

I’m so glad I found your channel Miko! I feel I have someone next to me guiding my hands and teaching me. So thank you 🙏🏼. God bless.

[@alejandrav5790]

Totally off topic, but your eyelashes! So pretty!

[@reneelee3713]

I just found your channel the day after Christmas. I am so excited to begin the new year following your plan. Thanks for sharing.

[@jessicam5629]

I just found this channel. I haven't even watched the entire video but... I'M IN AND SUBSCRIBED!!!! Love the energy and positive attitude.

[@wendystewart1185]

I love these challenges. I am setting up my 2019 plan and I will be incorporating these challenges as well.

[@edithmolina9526]

So happy you have you tube channel!! I been following you in Instagram for a while and it’s been a BIG help

[@TheAverageLifeCassandraA]

Looking forward to this! Thank you for the wonderful challengs

[@pratibhaalvares2371]

Wow , thanks for inspirations, will be following you, great

[@FAROMEL67]

Love your ideas and stamina 💪😎 you got a new SUBSCRIBER HERE !!

[@becca99004]

Super creative! Props to you and I just subscribed :)

[@MARIARODRIGUEZ-xb5cb]

WHAT AN AWSOME CHALLEGE!! LOVE THIS!!💕💕💕💕💕💕

[@homemakingwithdenise]

You certainly have some great ideas. I'm trying a No-Spend January. So far, I managed to do that. I'll put some thought into your challenges.

[@donnaleeclubb119]

One thing I started doing was going grocery shopping once and only once (with a budget). If I go to another store shopping during that week interim, I put a dollar in a jar.

[@atleastshesaves4452]

I’m excited!! I’m in!! I think for October I’m going to switch it from coffee to “make my own snacks” I don’t drink coffee. I love snacks!! I think I’m going to make as much homemade snacks as I can.

[@metapixusion]

Yeah im not a coffee drinker either but for October im going to find something i indulge in and make it at home lol

[@atleastshesaves4452]

metapixusion yea I was thinking making homemade potato chips. I eat a bag a week probabilities lol at like $3 a bag. I also want to make homemade nutrigrain bars. I really like those. Basically snacks/ convenience foods. So I have a lot of recipes to try before oct lol. This is gonna be fun!!!

[@donnaleeclubb119]

@@atleastshesaves4452 oh yes. Being cheap is fun.....not. LOL. It is a necessity.

[@denisealmaraz486]

I'm totally gonna try the freezer and pantry challenge!!

[@thelittleredhen55]

I think I can implement some of these ! For the ones I can’t I am gonna try to double up another one

[@Shantefromda901]

Thank you for this video!!!! Helpful to me!!!

[@kerishacindy8606]

Love these challenges. I am definitely going to participate 😊

[@fatbrokebored5795]

These challenges are awesome! And they are so doable!

[@mariettadram806]

I love this idea. So smart :) Thank you for sharing.

[@LS-qv1ei]

Great challenges!

[@TruthSeeker09825]

Oh em gee. I am so in. I love every single challenge. I even got my two sisters to join in the challenge. Let's do this!!

[@SexualChocolate696]

Great Challenge...Sharing w/my sis and my mom.

[@plannercraving]

I am so excited for savings this year!! Thanks for the video

[@iriscolon1574]

Hi, Where you get the binder? I love the color.

[@damaniwilson]

lol. Awesome. FYI images appear backwards in mirrors (because of reflection), not video!

[@windiejade]

So excited for these challenges 🤗🤗

[@youtubesurfer7271]

Great ideas and fun!

[@LGnLA]

Adding as FAV to rewatch/prep my new year on Dec 1, 2019... great tips, tfs!!!💯💯💯💯😉

[@rachealhenry5540]

Love this idea!

[@josephinewanjohi7870]

Am so doing this. Thank you looking forward to it

[@hananekachman4464]

Totally in 🤗🤗

[@PrettyRyanTravels]

oh im really digging march's challenge. im signing up!

[@ronaliveshere7422]

Neat ideas I think I’ll try it.

[@madnessofmymind]

I just want to share that some people, who may be on specific dietary restrictions, may not be able to participate in the "no" brand challenge. While one brand includes things the person cannot have, another brand will exclude those. Anyone who may have these issues, will need to continue with their brand. But I'm sure in other areas they can still find ways to change out their brand. I have heard horror stories about Aldi TP though. Don't do it! LOL This is just a reminder for anyone who might get stuck on the idea that they have to do/try this "no brand" challenge, but then feel guilty perhaps b/c they have to have a certain brand due to the ingredients. It's ok to stay with that brand. Again, find other areas in life that you can try out different brands. :) I generally like most of the ideas from this and plan to use some myself. Can't wait to see how it goes!

[@visitor3756]

madnessofmymind I tried one brand of the Aldi TP but found out it was comparable to Scott's. Which I don't like but know people who do. I found out it does come from the same factory My spouse is in transportation and found out. I've yet to try the other version but plan on it. I am not a brand snob. I do get mine from Sams club brand and have been happy with it.

[@KimFincher]

If u need brand names learn couponing

[@thelissoway6758]

Im doing no spend january and its awesome! Im really enjoying it and love the challenge

[@Practice_Kindness-1st]

A major THUMBS UP to this video! LOVE this easy to attain challenge! I'm forwarding this to my sister. Great video!

[@Practice_Kindness-1st]

@@thebudgetmom Am I seeing this correctly? You only have 4 videos total posted on your channel?! I want more!

[@Swifftylady17]

Just found you via this video. I am more intentional about saving now that I have gotten rid of some debts.

[@ElizabethDeRazzoNiemann]

Love this! I’m in!

[@sarahwilson7503]

These are awesome. So excited for these challenges

[@missheeyah]

Hi Miko, I am so looking forward to this challenge! 2019 will be a great year! :D Thank you for your kindness and generosity! I've learned so much from you and will continue to support you and learn even more from you! I've downloaded, cut and taped together the cash envelopes for these challenges! ♡

[@missheeyah]

@@thebudgetmom You're welcome! I'm so excited and motivated to come up with more opportunities to save cash! ♡♡♡

[@KittForReal]

💡I like this. It makes managing your money an experience rather than a chore.

[@occasionalotaku23]

Great ideas! Thanks 🌟

[@ericam1872]

Thanks for posting this, you are helping me a lot ❤️

[@jennaedwards2426]

Totally in!! ❤️🎉

[@donnagalvan1047]

I have a holiday fund and a Christmas fund envelope for the reason is I dont want to use my Christmas fund money to go see lights, to buy Christmas lights, decorations , or do Christmas actives with my Christmas fund that is only for gifts, I don’t want to take away from gift money, that is why I have a holiday fund, which includes Valentine’s Day, Easter, 4 th If July, Halloween, Thanksgiving and Christmas! I use this for any thing that is needed for that holiday, for instance I use my holiday fund to buy Halloween costumes, candy, decorations, etc for Thanks giving I by food if I do a dish to pass or anything like that! 2different funds is what I have, that’s how I save! I have a gifts and graduation fund for weddings, birthdays, baby showers, anniversaries, etc and if any one is graduating in the family . I keep everything separate . I have a envelope for Family fun includes, picnic, parades, pot lucks if It is for a cook out! Picnics I use it for raffle tickets and anything like that! Fairs, water parks are all includes in that ! I don’t like taking money out of holiday fund or anything like that! Rainy day fund, vacation, travel fund is different then vacation, I use travel fund if we are driving , that is for gas, hotel, site seeing if you have to pay to get in some where, for silvinours , a snacks or eating at a restaurant! Etc! My vacation is if I’m flying, it is for tickets, place to stay groceries, entertainment fees to go places, silverniours etc! To do things ! School fund, pet fund car repair fund, house fund, household fund, I use to buy paper towels toilet paper etc I don’t use grocery money for that because I don’t want to cheat my family out of food! This is how I save on everything!

[@reenm.11]

I like you,amaizing energy...amaizing budgeting ideas.

[@yourtime4meditation603]

I like the idea of monthly saving challenges. It makes you think of even more creative challenges. I like the video.

[@agirltalksf1mx]

this is great I actually have to try it!!!

[@TheTILAGO]

this video is sooooo creative!! It almost makes saving seem fun lol. I've been struggling to save for years sooo thank you so much for these ideas!!

[@PerfectionHangover]

I love this idea, and you've inspired me to do something similar on my channel and with my viewers! Thank you for the inspiration!!

[@rosaliemagana8426]

Love ur savings method!

[@xofancy]

Great ideas!!

[@damattice23]

You are the best. Thank you for these ideas.

[@timothyglassel1239]

Great ideas.

[@floppybob1121]

I love this!! Im on board😀😀😀😀😀😀😀

[@priskafraulein728]

i'm in for sure!!!!!!! definitelly will write this down on my 2019's journal ♥️♥️♥️ new sub, xoxo!

[@budgetrebelgoals]

I'm joining you,so far I didn't eat out for 15 days this month, 5 more to go! tfs!

[@soren123]

This is a great idea!

[@chriss4514]

Well damn! Wish I would have seen this 8 months ago. I love this idea. Going to start my year with the Aug challenge 😊😊

[@naturalbeautyj8856]

I am hoping to be able to participate in each challenge each month

[@trailertrish]

This is a great video! I love how excited u are about ur ideas! 😊

[@sandrastone9307]

This is fun and very rewarding challenge at the end of the 12 months.

[@lorepena3252]

Hey !! Just wanted to say thank you for sharing this great ideas in how to save money. Im definitely doing them !!!

[@aliciamclaws3339]

I love this so much!!! Definitely participating in January’s challenge! I work at an elementary school and it’s so easy to just pick up lunch there. And it’s not terribly expensive, but it adds up FAST at $4 a day, 5 days a week!

[@mauniep6456]

I'm in!!

[@ariannaaguilar1860]

Thank u for the information .. I will try it

[@justdreaming3869]

Wow wow wow!!! Yes!!!! I love all these ideas! How fun!! I need creative ways to save money and these sound perfect. Great video!!!

[@lakishatyler8197]

Count me in!!!

[@pray.plan.repeat2951]

Love it I'm so down for it

[@sunshinebeauty2865]

I am so excited for these challenges. I already at least 3 of these and look forward to getting started!! :)

[@nikkkibudgets]

I'm so trying this!!

[@debtsuckzcanada5081]

Great idea. I may have tweak some things here and there to fit my budget, but I am in!

[@MommieOfthree]

Loved the video im a news subscriber- love the idea of a no spend November! I would actually have to do it all month except Black Friday that’s actually really budget savvy to shop and save as long as you have a plan

[@dixiegirl999]

I just found your channel & I am willing to join your challenge. I see that you had/are following the Dave Ramsey Plan. I still have 2 debts left to pay off & saving money too at the same time due to old dogs, old vehicles, etc.