If you have never tried to save your loose change, it might surprise you how much you can accumulate. That means being prepared is essential. I need to make sure I have enough gas, meals planned, and activities planned out ahead of time. You can even set aside your money in a Christmas Cash Envelope. Grab yours for free here. 5. 52-Week Savings Challenge

myfridge.com is an excellent resource that lets you input the ingredients you have at home, and it will then give you recipes based on those ingredients.You’ll be even more successful if you do these challenges with your family and friends. Invite them to save money along with you. This one is a lot of fun! Challenge a friend or family member and see who can save the most money in a month.

Make a list of the things that you would like to spend money on during the holiday season, and then prioritize that list so it fits within a realistic budget that you can afford. Phone Bill: It is possible to negotiate a lower cell phone bill, but sometimes it's not easy. Know what you are paying for by studying your latest bill, cut out features you aren't utilizing fully, and look into family plans.

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If you’re saving cash, choose a safe space at home to add to your pool; for digital saving, transfer money to a new savings account or one that’s hard to access on a whim. At the most basic level, a no-spend challenge is where you go for a set amount of time and don’t spend any extra money. I’m talking about money beyond the basics of food/house/gas. The point of this challenge is to reduce food waste and save money doing it. Trust me, so many people fail to realize the amount of food they already have at home. It's time to use what you have, and create weekly meal plans based on those items. Whenever you get loose change, you put it in a jar or piggy bank. When that jar fills up, take it to the bank and put it in your savings account.