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So last year, we had our first savings challenge. Though it was a first attempt, I was so touched and amazed by the responses I got from my followers and readers about the impact the challenge had on their savings habits and lives.  People sent me regular emails to update me on their progress.

Due to public demand, the 52 Week Savings Challenge is back bigger and better. The rules are the same as last year. We start by saving 50 shillings next week (week 1 of 2017), then 100 bob next week, 150 bob next week and so on and so forth, until the last week of December where we will save 2,600 bob, and our savings will add up to Kshs 68,900 . The point is to add 50 shillings every week to the previous week’s savings amount.

To stay accountable…

1.  Print out the 52 Week Challenge worksheet and pin it at a place that is visible. I plan to print mine on Tuesday, and it will go onto my wardrobe door. Why? To serve as a daily reminder, whenever I get the urge to buy new clothes.


You may also download the 100 bob and 25 bob versions of the challenge if you want to go big, or go smal (Graphics for the blog and the campaign courtesy of Wit Design Kenya)

2. Save extra. May be you have had a great week and you have 1,000 bob that you would like to save, yet the weekly amount is say, 500 bob. Instead of saving 500 and spending the rest, save the entire 1,000 bob, then tick the corresponding week (Week 20).

3. You can choose to go reverse by starting with the harder weeks at the end of the year, then working your way up. HOWEVER, should you choose to do this, do not take the money out of your regular savings for this challenge, it is supposed to come out of regular spending.

4. If you can, automate. Set up a weekly transfer. Some people get piggy banks, but I am not a fan of this, because I do not live alone. I’ve also heard of cases where cleaning ladies slowly relieve you of your piggy bank contents without your knowledge. Many of my readers opted to use M Shwari, and they introduced me to the Lock Savings account, where you lock your savings for a designated period. A brilliant way to build up savings.

5. Can you do it monthly? Well, if you want to you can, but the risk is that you will end up reducing your regular savings so you can do the challenge. Also, it stops being something you actively and consciously do!

Finally, tweet us using #52WeekChallenge hashtag, tweet me, and check out this list! You are not in this alone, so when you feel discouraged, holla. Also, join our Telegram Group. We intend to have fun!

Good Luck!

  1. Rae January 2, 2017 at 3:29 pm Reply

    Here for this! Can’t wait for that Telegram channel.

  2. Makhosini January 2, 2017 at 6:30 pm Reply

    I need to join 52 week challenge what must I do

  3. Linda Barasa January 3, 2017 at 12:59 pm Reply

    Oh my. I came across the saving challenge on BD and I ended up taking it head on. With s ney salary of 30K, I managed to see myself back in school in August. From then on I decided to make it a habit and clearly am not about to drop it. Here’s to saving some more. Thank you!

    • Celestine Khangu January 4, 2017 at 7:51 pm Reply

      Linda, I’m inspired.I am so taking on the 52 week savings Challenge.

  4. lillian January 3, 2017 at 10:30 pm Reply

    wow wow wow. I am in it.I met a friend who gave me the idea. The discipline to me will be what counts.I am on 100,200 saving.I am testing my discipline to save.

  5. ANN January 4, 2017 at 7:11 am Reply

    This is really nice…..definitely doing it

  6. Mickey January 4, 2017 at 1:36 pm Reply

    This is great am willing to try

  7. Jacquelline January 4, 2017 at 4:01 pm Reply

    Fantastic. I can’t wait for the telegram channel and to take part in the challenge. ☺☺

  8. Naishorua January 4, 2017 at 5:03 pm Reply

    Am so on it. Great concept it is

  9. payshee January 4, 2017 at 5:11 pm Reply

    do you like save daily or weekly????

  10. Dorine January 4, 2017 at 5:27 pm Reply

    Great! Amazing! One of my resolutions this 2017. I will do my best to stay on track.

  11. Cynthia January 4, 2017 at 10:36 pm Reply

    I have started wish me luck

  12. faith January 4, 2017 at 11:01 pm Reply

    Can I save just save 50 because of I’m a student

  13. Mary January 5, 2017 at 12:42 pm Reply

    This is awesome I am soooo on it

  14. Shiku January 5, 2017 at 3:48 pm Reply

    Tried to join the telegram group. Not working

    • kellie January 9, 2017 at 9:08 pm Reply

      Please try again Shiku. I have fixed the link. Email me on if it is still not working

  15. Angie January 5, 2017 at 6:33 pm Reply

    Am definately doing this.

  16. Allan January 5, 2017 at 8:01 pm Reply

    This is great willing to start this week. Need to convince a some of my friends/colleagues motivation and all.

  17. Sylvia Amatta January 5, 2017 at 8:19 pm Reply

    Hey this seems like an excellent way to save up especially now that my son will be going to baby class next year.

    I am up for the challenge since Mshwari has worked but I need a bigger challenge so game on 2017…..

  18. Niva January 5, 2017 at 10:31 pm Reply

    This is interesting

  19. Niva January 5, 2017 at 10:33 pm Reply

    What if you don’t have an Mshwari account, like if you have an airtel money account, how do you go about it???

    • kellie January 9, 2017 at 9:09 pm Reply

      Hi Niva, I don’t think Airtel money has a savings application yet. May be use a bank account or a very secure piggy bank?

  20. Edu January 7, 2017 at 1:01 am Reply

    Interesting am on it

  21. Alys January 8, 2017 at 2:47 pm Reply

    wao! I love this plan. thax Ann for sending me this am in it. at least come Xmas my family will have a vacation courtesy of this saving plan.

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  24. Waruingi January 10, 2017 at 10:08 am Reply

    Thank you for this first of the best ideas I will come across in 2017. Am in it 100% starting today, and obviously have to cover for past week.

    Kudos for your winning idea. Encouraging my siblings n friends to join me for motivation.

  25. juma January 11, 2017 at 2:56 pm Reply

    I am in this time round, no stepping down!!!

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  31. RICHARD January 28, 2017 at 3:12 pm Reply

    Was late to join and it’s almost fourth week of January,how do I join.

  32. Peter Gathuna January 28, 2017 at 4:22 pm Reply

    Brilliant idea -started the challenge today

  33. Pristah midika June 26, 2017 at 6:04 pm Reply

    Am really loving was difficult for me to save but since I joined the 52wks challenge am telling u my December holiday will never b the same.I will face it a rich woman.

    • kellie July 6, 2017 at 2:57 pm Reply

      Well done Pristah! Please keep me updated on your progress.

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  35. Ann kathure January 9, 2018 at 1:29 pm Reply

    Hey I wanna join kindly help me on how I can join

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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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