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It is that time of the year when we make plans (I prefer to call them plans, not resolutions) for the new year. As is the tradition for the third year running, the #52WeekChallengeTM  2018 is here! The Challenge has three goals:

  1. Nurture a savings habit by helping you set a savings goal, then working towards hitting it.
  2. Curb unnecessary and impulsive spending. In its purest form, the Challenge encourages us to save our spending money. This is why it is not a monthly Challenge, but a weekly one; we are paid monthly, but we tend to spend on a daily/weekly basis. By embracing habits such as carrying lunch to work and eating out less, we end up with more money to save.
  3. Encourage personal finance learning in our monthly #52WeekChallenge Twitter chats and the Telegram Group, where we discuss various personal finance and investment topics.

The ultimate goal is to build habits that will see us achieve financial independence, in a fun way.

Here is how it works:

  1. Decide where to start. What is your savings goal? Ideally, saving to invest works towards our overall goal, and spending on experiences is more fulfilling than buying stuff but you know what? Save for whatever you want. Especially if you are saving cash that you would otherwise spend. Be it for vacation, school fees, a new phone, to buy stocks. Go for it! If the #52WeekChallenge is your only saving avenue, I advise that you have some investment goals.
  2. Download and print the #52WeekChallenge  2018 worksheet that resonates. You can go with the 50 bob worksheet below, download the 100 bob worksheet, or even customize one using this Excel worksheet.   
  3. Decide where to save your money. In the past, I have recommended M-Shwari Lock Savings because it is convenient, you may also use a bank account or even a piggy bank. The most important thing is for the money to be stashed away. You do not want to spend it on impulse.
  4. Start saving and ticking off the weeks as we go. This is Week 1, so it is bound to be easy, do it now!

To stay accountable, please join the Telegram Group, and the Weekly Mailing List, where I will be sending weekly reminders.


  1. Tracey Machio January 5, 2018 at 2:08 pm Reply

    Hi, so i really want to save. I currently live in abidjan where there is a serious problem with getting change, there are times when you go buy something and the cashier/ guy at the shop/ at the market they don’t have change so you can’t buy anything. Sometimes even transportation is difficult when you don’t have change. So now i have to spend money to spend money that is i have to buy something so that i can get change for me to use during the day. At the end of the day i have used more money than what i intended even though the things that i buy are beneficial like groceries, personal items, credit. Do you think there is a way i can overcome this challenge and just save money…i am trying to look at it from different angles.

  2. Pingback: Things I’m Going To Do in 2018 – FromCurvesWithLove

  3. Naisenya January 19, 2018 at 12:38 pm Reply

    The telegram link isn’t working. Please could you repost it?

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About the Author

When I’m not here writing, I run Lattice Training, where we offer customized training solutions for businesses of all sizes, from startup entrepreneurs all the way to large corporations.
The aim of this blog is to simplify personal finance. I write about budgeting, personal finance, management and doing business in Kenya, in a way that everyone will understand.

If you have questions or would like to get in touch with me, leave your details on the form below, and I will get in touch. Thanks for reading.

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