52 Week Money Saving Challenge

Are you familiar with the 52 Week Money Saving Challenge? I like the idea of a savings challenge, but I am not 100% on board with how it is set up. The typical plan challenges you to save $1 the first week, $2 the second week…until you save $52 the last week of the year. It’s a simple way to save an additional $1,378 in 52 weeks, but I do see how this can be a struggle when December rolls around.

52 Week Money Saving Challenge Printables

Compare what you are saving the first 4 weeks of the year to the last 4 weeks of the year.

  • During the first 4 weeks, you save a total of $10. Average: $2.50 per week.
  • During the last 4 weeks, you save a total of $202. Average: $50.50 per week. 

Saving $2.50 per week is probably not a huge struggle. $50.50 per week may be harder to accomplish, especially considering that this takes place in December.

I created a 52-Week Money Saving Challenge Printable back in 2014. The original printable was for the year 2015, but now I have an undated version for you to use any year. You can start this challenge at any point throughout the year.

The original 52-Week Money Saving Challenge ($1 per week, $2 per week, etc.) results in a savings of $1,378 in a year. You will still end up saving $1,378 with this updated challenge, but it will be easier to save when you spread it out. 

If you do decide to start this challenge in January, this schedule will be much easier as you will be set up to save the least amount in December. You will save $110 during each 4-week cycle, with an exception of the last 4 weeks of the year. If money is tight in December, you will feel relief! This schedule asks you to save only $58 during the last 4 weeks. You will only have to set aside $8 in your budget to save the last week of the year. $8 is much easier than $52!52 Week Money Saving Challenge Printables FREE Printable52 Week Money Saving Challenge

I am also including the reverse version of the original challenge. Save $52 the first week, $51 the second week…until you save $1 the last week. Pick the schedule that works best for you.

52 Week Money Saving Challenge Reverse Printable

FREE Printable: 52 Week Money Saving Challenge_Reverse

It can be easier to make saving a priority when you know what your goals are. Writing down your goals can make you feel more accountable. At the bottom of the printable, there is a place to write down your savings goal.

Write down what you are saving for: Mortgage? Vacation? Home updates? College fund? Credit card debt? Feel free to share in the comments:

Why are you saving? What is your goal?

Do you need to establish financial goals, develop a budget and stick to it, kill off debt, and get clear on what your financial picture looks like? Check out the Real Life Money Plan eCourse by Jessi at jessifearon.com.

Here is more info on the course:

  • The course includes 13 video lessons.
  • This is a self-paced online course, which means that you can take this course at your leisure. There is no time restriction on when you can start.
  • There is a 25 page pdf workbook to accompany the course that acts as practical application for the lessons you will learn in the course. 
  • There are bonus trainings that will walk you through setting up a zero-balanced budget and reconciling your bank statements. 
  • There is a 30-day money back guarantee. If you are unhappy for whatever reason, you get a refund. 

She is gifted at encouragement and is an enthusiastic teacher. If you have ANY desire to design a money plan that fits your life, I suggest you check out her eCourse.

I had the opportunity to view Jessi’s course and her passion for helping you is so evident. She asks you to commit and not just go through the motions as she wants you to succeed! She wants you to focus on progress, not past failures. She will motivate you to move forward with the best decisions for YOU.

Jessi’s work has been featured on Buzzfeed, Rockstar Finance, TIME/Motto Magazine, Money Saving Mom, and The Penny Hoarder. 

Don’t forget to PIN this post for later!

52 Week Savings Challenge Printable. Save money every week and track your progress on the printable

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Merry Christmas…Adore, Need, Wonder, Sing

Merry Christmas List

It’s Christmas…

Eat || cookies

Drink || hot cocoa

Watch || children’s joy

Love || time with family

Enjoy || laughter

Teach || children to give

Take In || the beauty of the season

Merry Christmas...Eat, Drink, Watch, Love, Enjoy, Teach, Adore, Need, Wonder, Sing

Appreciate || your family

Give || time and attention

Write || a note of thankfulness

Make || memories

Thank || who we love

Try || to step back

Listen || with full attention

Pray || for those who are grieving

Reach Out || to those who have lost hope

Trust || our Savior to be with us in the new year

Remember || loved ones who are spending Christmas with Jesus

Read || Luke 2

Merry Christmas...Pray, Reach Out, Trust, Adore, Need, Wonder, Sing

Need || a Savior

Adore || the baby Jesus

Wonder || of God’s great love for us

Sing ||

Be near me, Lord Jesus I ask Thee to stay

Close by me forever and love me, I pray.

Bless all the dear children in Thy tender care

And take us to heaven to live with Thee there.**

Please share || the Christmas story.


Merry Christmas...Adore, Need, Wonder, Sing**Away in a Manger vs 3 John T. McFarland

What is on your Merry Christmas List?

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Free Printable Habit Tracker

Free Printable Habit Tracker

I don’t make New Years Resolutions every year, but I instead like to break my goals into smaller time frames. Monthly, weekly, daily…it depends on the goal I want to set or the habit I want to create.

For some goals it’s easier to focus on creating a habit. I wanted to become a morning person and get up before my daughters every morning. By forcing myself to do it for a few weeks straight, I ended up creating a habit of getting up before my girls each day. Once it was a habit, I didn’t even have to think about it every morning. It became my new normal. I’m on a break from it as I have a newborn, but I plan on getting back in the habit in 2017!

When you want a change in a specific area of your life, sometimes annual goal setting is not the answer. Focusing on a mini goal or creating a habit can be a better way to succeed depending on the change you want to make.

Small daily habits can make a big difference over the course of a few weeks, months, or even longer.

Free Printable Habit Tracker

Do you have a new habit that you want to create in 2017? One little task or activity that you want to focus on this year?

Here are a few ideas to get you thinking:

  • Move or exercise
  • Take a walk
  • Take 10,000 steps
  • Drink X ounces of water
  • Enjoy dinner as a family
  • Technology breaks
  • Write
  • Read devotion
  • Complete cleaning routine
  • Complete morning routine
  • Make bed
  • Floss
  • Read with children
  • Get 7 hours of sleep
  • Write down 3 things you are grateful for
  • Complement someone
  • Read for enjoyment

When I decide what habit I want to create, I find that writing it down and tracking my progress makes all the difference. Once you decide what habit you want to create, find a place to track the habit. 

I want to share this free printable habit tracker with you. It’s available in teal or pink. Download and print. Check off each day you complete your task. Place in a prominent place so you can see your daily progress. 

Free Printable Habit Tracker: 2017

Free Printable Habit Tracker: 2017

Free Printable Habit Tracker: Teal

Free Printable Habit Tracker: Pink

What daily habit do you want in 2017?

This post contains affiliate links.

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Free Printable Habit Tracker. Track your daily habits in 2017.

Winter at Home

Winter at Home

If there is ever a time I become a homebody, it’s when I have a newborn in the winter. I tend to stay in and enjoy the quiet days at home. The cold weather doesn’t call out to me. Bundling up three children for outings does not appeal. I prefer to spend much of my winter at home.

I enjoy the cozy days in our home. While I love the look of snow, I don’t like being out in it! A favorite moment of mine each winter is looking out at the first few snowfalls of the year…from the warmth of my home. Our backyard is filled with trees and looking out at the snow-covered trees is just beautiful!

Winter at Home

As the holidays approach and as the snow starts falling, we create family memories within our home. I can spend the days looking out at the snow and the evenings sitting by the tree and be happy snuggling with my newborn. 

We enjoy decorating our Christmas tree, baking cookies, and reading stacks and stacks of our favorite winter and Christmas books.

Winter at Home

I can enjoy these moments, even more, knowing that we are covered – that our home is insured and that we have never had to file a claim. For that I am grateful!

When purchasing a home and having the long list of to-dos, it’s nice to cross “buy home insurance” off the list. I am grateful that we have yet to file a claim, and it’s comforting to know that we are covered in case anything should happen. Once we have a plan in place, our mind can rest easy.

Winter at Home

If you want to take the hassle of out insuring your home, look to Esurance. They are ready to help you make smarter, more efficient choices with your insurance. By using their intuitive tools online you are covered from quote to claim. I went through the process to get a quote on my phone and the mobile process was simple and straightforward. Esurance’s modern tools make the task feel effortless.

Focus on spending your time with your family and less time worrying about whether or not you are covered. Check out the smart tools and personalized service at Esurance.com.

This blog post is sponsored by Esurance. From quote to claim, Esurance is working to help you make smarter, more efficient choices with your home and auto insurance. Using state-of-the-art technology, they offer a seamless online and mobile experience along with intuitive tools that help take the hassle out of insurance.

Winter at Home

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December Goals

Monthly Goals for December

Standard Disclosure: In order to support my blogging activities and provide free content on this blog, I may receive a commission if you purchase from the links in this post.

I am in the process of figuring out if I will continue my monthly blog posts into 2017. Because I am not able to spend as much time on the computer these days, I am leaning towards spending my blogging time writing posts and creating more printables and workbooks instead of spending time writing out my monthly blog posts. I just joined Haute Chocolate’s Styled Stock Library and I am excited to use some of the elements in new printables and workbooks in 2017. (See the December Goals image below?? It’s from Haute Chocolate. I am sooo excited to dig into the images and graphics packs!)

Monthly Goals for December and 7 Steps for Taking Control of 2017.

November Blog Goals

  • Create 2017 calendar printable freebie. – Almost done. I just need to finish and post!
  • One sponsored post. – Done. 20 Ways to Get Healthy
  • I set up a Blogging Tips & Resources e-mail list. I have a few e-mails planned, but want to set up more of a plan for these e-mails. Sign up for the Blogging Tips & Resources Newsletter here! – I have a tentative plan for January.

December Blog Goals

  • Create 2017 calendar printable freebie
  • Promote Michael Hyatt’s 5 Days to Your Best Year Ever
  • Update habit tracker printable for 2017
  • Update savings schedule printable
  • Convert Your Morning Manual eBook to a Mobi/ePub file
  • Post one sponsored post
  • Get 2 sponsored posts for January

Blogging Tips and Resources

If you blog about goals, I would love to have you linkup your goals post below. Please join us to share your goals and progress for the week, month, or year. We are all about building a positive community; please remember to read, comment on, and share the post of others. 

This will be the last With Grit & Grace linkup that I co-host. You can still link up with Keri, Callie, or Christina in 2017. The linkup with be Goals and Intentional-Living Focused and will move to the LAST Wednesday of the month. The first linkup of 2017 will be on January 25.

Monthly Goals - February. Stop by to link up your goals post on the first Wednesday of each month...With Grit and Grace...a monthly goals linkup

Just a reminder…
  • All forms of goal posts are welcome. They can be for a specific area in your life, or your general goals for the day, week, month, or year. We love to hear updates on your progress too. Please only link up posts involving goals.
  • Make sure to use the URL specific to your post and not your blog’s homepage.
  • Link back to With Grit & Grace with our image or link in your post or party page.
  • Comment on the post prior to yours in the link-up. Support others through comments and shares.
  • By linking up, you give us permission to feature an image on our blog and social media. Proper credit and links will be given.
  • Join in on social media with: #withgritandgrace.
  • We want to support you! Please follow your hosts in some way.
Emily | Instagram – FacebookPinterestTwitterBloglovinGoogle+
Keri | Keri Lynn Snyder
Callie | Through Clouded Glass
Christina | Waltzing in Beauty

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Stop by to see where I link-up my posts each week: Link-Up List 

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