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
Kumiko Love

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.


Course Curriculum


  Welcome!
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  JANUARY
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  FEBRUARY
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  OCTOBER
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  NOVEMBER
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  DECEMBER
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  You Did It!
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Frequently Asked Questions


When does the course start and finish?
The course starts now and never ends! It is a completely self-paced online course - you decide when you start and when you finish.
How long do I have access to the course?
How does lifetime access sound? After enrolling, you have unlimited access to this course for as long as you like - across any and all devices you own.
What if I am unhappy with the course?
We would never want you to be unhappy! If you are unsatisfied with your purchase, contact us in the first 10 days and we will give you a full refund.


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?

Get started now!