Savings Challenges in 2020
Save more of your money by challenging yourself to find the dollars you didn't know you had!
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Do you struggle with saving money?
Learning how to save on a regular basis can be hard. But what's even harder is turning saving into a daily habit. Habits aren't formed overnight. In fact, it can take as long as two months for a behavior to become automatic.
It took years for me to adopt a regular savings routine, but once I did, breaking my savings goals into manageable, bite-sized pieces became a reality.
In the beginning, I struggled not just with saving but finding the money to save. It always felt like something came up in my life that prevented me from saving money. Let's face it, having $20 sitting in your savings account doesn't do much good. You want to be able to save enough where it can make a significant difference in your life.
24 Unique Savings Challenges
Printables and Worksheets
Monthly Cash Savings Envelope
Full Step-by-Step Instructions for Each Challenge
Access to the private TBM "Savings Challenges" Facebook group
Your Instructor
Kumiko Love is the founder of The Budget Mom, a financial educator, Accredited Financial Counselor®, bestselling author, and single mom who transformed her life by taking control of her money—one paycheck at a time.
After paying off $77,000 of debt, saving over $100,000, and buying her dream home in cash, Kumiko made it her mission to help others do the same. What started as a personal journey turned into a movement, with millions of people now using her signature methods—like the Budget by Paycheck® system—to gain confidence, clarity, and control over their finances.
She believes budgeting isn't about restriction—it's about intentional living. Her approach goes beyond spreadsheets, focusing on the emotional and psychological side of money, especially for those who've felt shame, guilt, or fear when it comes to spending. Her work has been featured by Good Morning America, Forbes, CNBC, and The Today Show, and she’s built a loyal community by being real, relatable, and completely transparent about her own journey.
Kumiko’s mission is simple: to empower people to live a life they love on a budget that works for them.
Frequently Asked Questions
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.
So, are you up for a challenge?