Small change challenge: 10 savings goals that will actually help you
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We all have it lying around somewhere: loose change. In your coat pocket, between the couch cushions, at the bottom of your bag, or in that little container on the kitchen table. And let's be honest—we usually don't do anything with it. Yet, it's actually a perfect way to save money in an accessible way. See: the loose change challenge .
A small change challenge is simple, fun, and surprisingly effective. You don't need a large income or complicated planning—just a little discipline and a place to save your change. And with the right savings goals, it becomes not only smart but also motivating.
What is the small change challenge?
The small change challenge is exactly what it sounds like: you save all your small coins—from 5 cents to 2 euros—and keep them in one place. Whenever you have cash left over, you put it in a jar, envelope, or your cash stuffing folder . You can do this daily or at a set time each week. It's not about how much you save, but about doing it consistently .
Many people combine this challenge with a piggy bank or cash envelope system . Want to make it really fun? Use a budget planner so you can see exactly how much you've saved.
Why save with small change?
- It doesn't hurt to put it down — you won't miss it
- You build up a nice amount without noticing
- You develop a healthy savings routine
- It works extra well if you make it visual (you see your money growing!)
Sounds simple, right? And yet the results are often surprisingly significant. Especially if you work with clear savings goals.
10 savings goals for your small change challenge
1. Build an emergency fund
Having a small savings account for emergencies gives you peace of mind. Think of unexpected bills, medical expenses, or a broken bike. Start small—even if you only save €5 a week—it adds up. Keep a separate envelope in your savings folder for this.
2. Holiday fund
Summer or winter, a day out always costs money. Start saving for an ice cream at the beach, a day at the amusement park, or a city break. By starting your small change challenge now, you'll have a nice little extra by the time your vacation rolls around.
👉 Check out the holiday savings challenge bundle
3. Hobby envelope
Whether you enjoy painting, sports, baking, or buying plants—hobbies cost money. Whenever you have some change left over, put a little aside. Make it easy on yourself with a labeled envelope .
4. Gift jar
There are always birthdays, parties, and moments when you want to give someone something. Instead of stressing out, you'll always have something on hand thanks to your change jar. It's especially nice if you enjoy spontaneous gifts.
5. Eating out or coffee
Want to treat yourself guilt-free every now and then? Save up some change specifically for lunch out or a night out. This way, you'll consciously spend money on fun things without it impacting your monthly budget.
6. Holiday budget
Christmas, Sinterklaas, New Year's Eve—they come around every year, but it often feels like they're suddenly expensive. A separate change envelope for each holiday will help you get through December prepared.
👉 Combine with holiday savings challenges for extra motivation.
7. Small moments of pampering
Treat yourself to something small every now and then: a magazine, a nice pen, a new nail polish. It doesn't have to be expensive. By consciously saving, you'll feel extra good about your purchase.
8. Savings goal for your pet
Think treats, toys, or even a vet visit. Pets are worth it—and a small change challenge is a fun way to save up just for them.
9. Learning or developing something
Invest your spare change in personal development. Save up for a workshop, a course, or a book you've been curious about for a while. Label your envelope "invest in me" and go for it.
10. Own wish pot
Maybe you have a unique goal: a festival ticket, a new coat, or even something for your home. Whatever it is, the most important thing is that it's something you enjoy. Let that be your motivation to keep going.
Extra tips to keep up with your small change challenge
- Use a clear structure . An A6 cash stuffing folder with envelopes is organized and easy to carry.
- Use visual aids . Think of savings trackers or fill-in cards . They really help you see your progress.
- Place your folder or jar in a visible place . This way, you'll be reminded of it daily.
- Make it a routine . Schedule a fixed time each week—for example, on Sunday—to check your wallet and put your change in your savings folder.
- Save together . Do the challenge with your partner, child, or housemate. Saving together is motivating.
Frequently Asked Questions about the Small Change Challenge
Can I really build something with just coins?
Absolutely. If you save, say, 5 euros in coins every week, you'll have over 250 euros after a year.
Should I use a piggy bank or will a folder work too?
Both are possible. With a transparent piggy bank, you can literally see your money grow. With a cash stuffing folder, you can work on a structured approach to each savings goal.
Can I combine the small change challenge with other savings challenges?
Absolutely. Many people combine it with the 52-week challenge, the 100-envelope challenge, or personal goals. You can find these in the savings challenge collection .
Start your small change challenge today
The power of the small change challenge lies in its simplicity. You don't need anything but some coins, a little motivation, and a system to keep track. And with the right tools, you can really make it a success.
Everything you need to get started can be found here:
Start your own small change challenge today. Small amount, big result.