Saving boring? Not with a savings challenge card!
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Let's face it: saving isn't often the most exciting part of life. There are always temptations—a spontaneous day trip, a dinner party, or a great deal you don't want to miss. And before you know it, the end of the month is approaching and there's hardly anything left to put aside.
Sound familiar? Then a savings challenge card is the perfect way to make saving easier and more fun. This clever tool helps you gradually set aside money without it feeling like a big sacrifice. Whether you're saving for a vacation, a new phone, or just want to build a savings account, a challenge card makes saving clear and motivating .
In this blog, you'll discover all about savings challenge cards, how they work, and how you can get started today.
What is a savings challenge card and why does it work?
A savings challenge card is a visual aid that turns saving into a game . Instead of simply setting aside an amount, you follow a specific plan. You save according to a set pattern and cross off amounts as you save them. This is motivating and provides a good overview of your progress.
Why does this work so well? Because big savings goals are often intimidating . Let's say you want to save €1,000. That sounds like a huge amount. But if you break it down into small steps—for example, 100 times €10—it suddenly feels achievable. This is exactly how a savings challenge card helps you.
There are different types of cards and methods. Some people save a small amount every day, while others set aside a fixed amount each week. So there's always a challenge that fits your budget and savings goals .
How does a savings challenge card work?
A savings challenge card is easy to use. Here are the four steps you can follow to get started right away:
1. Choose your savings goal
It all starts with a goal. Do you want to book a vacation? Buy a new laptop? Or just have some extra cash? Write down how much you want to save and within what timeframe. Use a budget planner for this, for example.
2. Choose the right savings challenge
Not every challenge works for everyone. There are different methods, depending on how much you want to save and how quickly you want to do it. Here are a few popular options:
- 52-week savings challenge : Start small and save a slightly larger amount each week. This is perfect if you want to build up your savings gradually. The 52-week challenge is also available in a €5, €10, or €20 edition.
- Change challenge : Save a small amount every day. Ideal if you want to build up a nice sum in a short time. Combine the change challenge with a transparent piggy bank .
- 100 Envelopes Challenge : Fill numbered envelopes with money in any order and end up with a substantial savings. The 100 Envelopes Challenge is also available in 5, 10, and 20 euro editions.
- Personalized challenges : Want to save for a specific purchase? Use a personalized savings challenge that aligns with your goals.
3. Track your progress on the map
The power of a savings challenge card lies in its visual aspect. Each time you save an amount, you mark it on the card. You can do this by crossing it off, coloring it in, or adding a sticker. This simple gesture provides a psychological reward: you literally see your progress.
4. Make it part of your routine
Consistency is the key to success. Make saving a regular part of your week or month. For example, schedule a "savings day" where you always set aside a certain amount.
Popular savings challenges and how much you save with them
There are several challenges you can take, depending on your savings goal and how quickly you want to save. Below is an overview of the most popular methods.
1. 52-week savings challenge
In this challenge, you start with a small amount and increase it weekly. For example, in week 1 you save €1, in week 2 you save €2, and so on. This means you'll save €52 by week 52.
📌 Final amount: €1,378 after one year.
🎯 Who is it for? This challenge is perfect if you want to build up slowly and can't afford to pay large sums at once. Shop it here
2. The small change challenge
Want to save quickly? Then the small change challenge is for you! Combine the small change challenge with a transparent piggy bank .
🎯 Who is it for? Ideal if you want to build up a nice sum of money quickly, for example, for a gift, a vacation, or an emergency fund.
3. 100 envelopes challenge
Use the 100 envelopes challenge and fill them randomly with the corresponding amount.
📌 Final amount: €5,050 after 100 days.
🎯 Who's it for? For the adventurous saver who wants to be surprised and build a substantial nest egg.
Why a savings challenge card works better than 'just saving'
You'd think saving without a card works just as well, but research shows that visual aids help you stick to your goals . Here are a few reasons why a savings challenge card is so effective:
✔ Overview and structure – You know exactly how much you need to save and when.
✔ Visual motivation – By crossing off amounts you can immediately see your progress.
✔ No excuses – A concrete plan reduces the chance that you forget to save.
✔ Flexibility – You can always choose a challenge that suits your financial situation.
With a challenge card , saving becomes a habit instead of a 'must'.
Tips to keep up with your savings challenge
- Make it fun – Use a beautiful savings challenge card and color in the boxes for each milestone.
- Reward yourself wisely – At each milestone, you can treat yourself to a small treat, but not from your savings.
- Do it together – Save with a friend or partner for extra motivation.
- Use a separate account or budget folder – This will prevent you from spending your savings unnoticed.
- Set reminders – Schedule a weekly time to save and update your card.
Ready to get started?
Saving doesn't have to be difficult or boring. A savings challenge card turns it into a fun challenge and a visual journey toward your goal. Choose a challenge that suits you and get started today.
Curious about handy savings tools? Check out the savings challenge cards and get started right away.
Which savings challenge are you going to try? Let us know!