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New Year, New Me with the Money Saving Challenge

December 24, 2017February 27, 2023 Natalie 38 comments
New Year, New Me with the Money Saving Challenge

It’s about that time for “New Year, New Me” Resolutions. Well let’s kick off 2018 with this Money Saving Challenge. This is the easiest money saving guide I’ve seen and it’s so easy to do, just need to stay committed.

Earnest helps you build a brighter future by lowering interest rates and helping you manage your money more effectively so that you’re not paying more than you need to. Student loans can be a large portion of debt for many people these days, and many are unaware that there are options out there to help, which is really how we connect to the topic!

New Year, New Me with the Money Saving Challenge

After reading the money saving challenge above, made me think about all the money I’ve spent and wasted over the past year. I know going into 2018, my biggest goal is to cut back of wasteful spending of money throughout the year and set personal goals for myself for money saving.

These apps work with phones, tablets & computers. I know have all of them and use them monthly. I’ve saved lots of money and earned a good penny in cash back. I have a few blog posts on these topics: Chrome Extensions Apps, these apps & those apps.

Focus on Money Saving in 2018

  • Set aside $50 each paycheck or $100 each month from my paycheck. Before paying any bills, set aside some cash or even after paying bills, before blowing it on useless things. I need to really build my savings account, so I’m not struggling to live paycheck to paycheck.
  • Collect all of my medical bills together and PAY THEM OFF! Yea, seems easy right, try not having insurance for two years, they kinda add up. I need to contact each place and set up a plan to pay off at least like $5-$10. Something is better than nothing, sometimes they even work with you. Doesn’t hurt until you try!
  • Do you know how hard it is to build credit without credit? It’s the real struggle. I had credit back in 2006, then never did anything until now. It looks horrible for the credit. I’ve also NEVER owned a credit card, which I think is a good thing. So I started small and got a Kohl’s charge card with a small spending limit, starting small.

With these simple tasks, I really think I am going to do better than I have in the past. It also helps to have a steady good paying job, which also I haven’t had in awhile either. So it’s a win-win all around.

What are some money saving goals you have for 2018?

 

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38 comments

  1. jennifer bowen says:
    January 3, 2018 at 3:09 pm

    i really dont have any saveing goals for this year i just do the best that i can with every thing

    Reply
  2. Linda Szymoniak says:
    January 3, 2018 at 4:10 pm

    Wow, I like this. I think part of the problem with getting people to save is letting them know where to start. I’m going to share this with some friends who are working on reducing debt this year.

    Reply
  3. Calvin says:
    January 3, 2018 at 4:16 pm

    Great focus on saving money, this is a nice plan to base it on

    Reply
  4. Natalie says:
    January 3, 2018 at 4:19 pm

    I am up for the challenge! I need to save more money this year.

    Reply
  5. Molli Taylor says:
    January 3, 2018 at 4:21 pm

    i need this, i am going to take control of my finances this year!

    Reply
  6. tat2gurlzrock says:
    January 3, 2018 at 4:33 pm

    This is a great article. I love the tips you have!

    Reply
  7. Debbie Campbell says:
    January 3, 2018 at 4:34 pm

    Some good tips, thanks very much!

    Reply
  8. Debbie P says:
    January 3, 2018 at 9:26 pm

    Thanks for the tips and advise. This was a great article.

    Reply
  9. Susan Smith says:
    January 3, 2018 at 11:05 pm

    We are saving up for an Alaskan cruise for our 30th wedding anniversary. We are setting aside $400 a month to pay for it.

    Reply
  10. feeroberts64 says:
    January 4, 2018 at 10:21 am

    Interesting post with some great info.

    Reply
  11. jenny says:
    January 4, 2018 at 10:39 am

    These are really great and easy tips!

    Reply
  12. Jen Freese says:
    January 4, 2018 at 2:29 pm

    I wish I had the “means” to do this, but no regular income!

    Reply
  13. ladymagnolia99 says:
    January 4, 2018 at 8:44 pm

    There are some great tips hear!!

    Judy Cox

    Reply
  14. Sarah Hayes says:
    January 5, 2018 at 11:14 am

    I like this challenge. definitely something I need to start now

    Reply
  15. Rachelle says:
    January 5, 2018 at 5:17 pm

    I love the 30% savings each month! This will add up over time. Cute graphics.

    Reply
  16. Reviewz by Jewelz® says:
    January 6, 2018 at 2:35 pm

    These are amazing tips and it shows how small changes can really add up to huge amounts over time!

    Reply
  17. Amber says:
    January 7, 2018 at 12:48 am

    Thanks for sharing – this is a really neat detailed budget and plan that inspires me! I hope to max out savings in my Roth IRA this year 🙂

    Reply
  18. Cynthia C says:
    January 7, 2018 at 8:48 am

    I plan on saving on groceries by buying only what I need and wasting less.

    Reply
  19. Deborah Wellenstein says:
    January 7, 2018 at 3:40 pm

    We are retired, so are not too focused on long-term savings like we were before we retired. This year, I am looking to buy less, and use up the stuff I have!

    Reply
  20. Sandy Klocinski says:
    January 7, 2018 at 4:35 pm

    I really don’t have any savings goals since I am fairly comfortable (though I wouldn’t say wealthy). I think that many people are just so caught up in today that they don’t think about saving for tomorrow.

    Reply
  21. Melissa Shirley says:
    January 7, 2018 at 10:17 pm

    Thanks for the great tips. Being a single mom and trying to save money is a challenge.

    Reply
  22. Calvin says:
    January 8, 2018 at 2:13 pm

    Useful, especially since I love to save.

    Reply
  23. Maureen says:
    January 9, 2018 at 11:16 am

    As I do not work due to a health issue I watch every penny I spend.

    Reply
  24. Lyndsey R. says:
    January 9, 2018 at 4:45 pm

    Wow! Some really cool techniques here!

    Reply
  25. slehan says:
    January 10, 2018 at 10:35 pm

    I have no debt. My house is paid off. I try to save every month.
    slehan at juno dot com

    Reply
  26. Zoey says:
    January 11, 2018 at 2:20 am

    This seems like a great money saving plan for the year.

    Reply
  27. gracefulcoffee says:
    January 11, 2018 at 10:22 am

    Saving is so important! Thanks for sharing.

    Reply
  28. Marie G. says:
    January 13, 2018 at 2:09 am

    These are great ideas and very inspiring. Thanks for sharing!

    Reply
  29. Teresa Kunberger says:
    January 13, 2018 at 12:50 pm

    I do not have any money saving tips for this year but maybe I should

    Reply
  30. rsbrandt44 says:
    January 13, 2018 at 10:44 pm

    My first goal for saving money is to get my hands on some of it.

    Reply
  31. punkin0001 says:
    January 14, 2018 at 2:36 am

    Always nice to have a few goals and save a dime here and there.

    Reply
  32. helen0725 says:
    January 14, 2018 at 6:44 pm

    we need to make enough money to save and pay our bills, right now it isn’t possible 🙁

    Reply
  33. Nikolina84 says:
    January 15, 2018 at 6:03 am

    Good luck with the challenge, Natalie!

    Reply
  34. DB says:
    January 16, 2018 at 1:28 pm

    My goal is just to save where I can. Thanks for these great tips.

    Reply
  35. Yona Williams says:
    January 16, 2018 at 7:25 pm

    I like the idea of taking 30-day breaks from the splurges we have (that really do add up every month).

    Reply
  36. elizabeth miller says:
    January 17, 2018 at 10:17 am

    I have started back up couponing to get my stock pile back up. It helps so much it is crazy. I used to be into it but stopped for like the last 6 months of 2017 and now looking back at my grocery bills its crazy.

    Reply
  37. kathy pease says:
    January 17, 2018 at 5:47 pm

    My husband has an automatic savings plan through work where it is automatically taken out of his paycheck

    Reply
  38. Kari B says:
    May 13, 2021 at 8:05 am

    I like doing money challenges annually. Having a goal helps me save more.

    Reply

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