You’ve already saved $177. Amazing progress! This week is about stepping it up and bringing in bigger wins. With a little more effort, you’ll see a noticeable boost to your savings. Week 3 is all about boosting your income and building momentum by making smart money moves that can have a lasting impact.
If you want to start the challenge, see Week 1 of the 30-day $500 Savings Challenge.
Week 3 Theme: Income Boost & Bigger Wins
You’ve already tackled small changes and spending tweaks, now it’s time to get strategic. This week, we’re focusing on bringing in extra cash and setting the groundwork for long-term savings habits.
Week 3 Savings Tasks
Day 15: Take on a small gig (Save $25)
Whether it’s dog walking, babysitting, freelancing, or helping a neighbour with a task, pick up a small gig and put your earnings straight into savings. Check out this post on side hustles for women for more ideas.
Day 16: Transfer cashback rewards to savings (Save $20)
Have you earned any rewards through your credit card, apps like Rakuten or Checkout 51, or loyalty programs? Cash those out and move them to savings.
Day 17: Unsubscribe from marketing emails (Save $10)
Marketing emails are designed to get you to spend. Clear them out to avoid temptation and keep that $10 in your account instead.
Day 18: Swap a paid activity for a free one (Save $15)
Instead of dining out or going to the movies, go for a walk, have a game night, or explore a free local event. It’s still fun and way more budget-friendly.
Day 19: Renegotiate a bill (Save $25)
Call your phone, internet, or insurance provider and ask about current promotions or ways to lower your bill. Many companies are willing to negotiate to keep you as a customer.
Day 20: Meal prep for next week (Save $20)
Planning your meals and prepping in advance helps reduce food waste and makes takeout less tempting. Stick to your grocery list and bank the difference. You don’t need to prep whole meals, you can prep ingredients or plan to use leftovers from meals earlier in the week.
Day 21: Set up an auto-transfer to savings (Save $35)
Start a $5 daily auto-transfer to your savings account for the rest of the challenge. It’s a simple way to stay consistent without thinking about it.
✅ Total Week 3: $150 Saved!
✅ Cumulative Savings: $327
Reflection: Building Confidence & Consistency
By now, you’ve formed some solid habits. You’re more aware of your spending and creative about saving. These wins are proof that small steps really add up. Week 3 builds on that with more action and intention and your future self will thank you.
Tips to Stay Motivated
- Celebrate the bigger wins—like finding extra income or lowering a bill. These can have lasting benefits beyond the challenge.
- Track your auto-transfer progress and watch your savings grow daily.
- Reflect on how far you’ve come, $327 saved is a huge step forward.
Keep showing up for yourself. You’ve got this! Week 4 is just around the corner and we’re ending strong. 💪