To get in touch with me please email

The last post was about how to start saving. In line with that theme, I’d like us to take this challenge together. The original challenge was by Bank Rate  for 2015. The challenge was to save $1 on the first week of the year, and to increase the amount saved by $1 every week, until the 52nd week.

The point of the challenge is to set aside change that you’d otherwise thoughtlessly spend because it isn’t much.  Like when you go to the supermarket with a shopping list, then while waiting on the queue to pay, you grab that bar of Top Deck Dairy Milk chocolate because 175 bob is not much money? I do that all the time.

This challenge is for us to save such small amounts and see it add up. It will also get us thinking actively about how we can save more by adjusting our lifestyle. I also think it is good fun!

So here goes the challenge. 

Starting week 1 of 2016, save 50 bob, then 100 bob this week, 150 bob next week and so on and so forth, until the last week of December where you will save 2,600 bob, and your savings will add up to Kshs 68,900 .

We are late to start, which means this week, we need to save 150 bob to catch up, then 150 bob next week, 200 bob the week after etc.

The strategies to stay accountable

  1. Keep it visible. Print the table below and tick off every week as you save. Tape it on your wardrobe door, so you see it every time you are getting dressed as a reminder. New Picture (1)
  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. My strategy here will be M Shwari. Every week, I’ll be transferring the weekly amount via M Pesa to my M Shwari account.
  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!

How I intend to stay accountable?

On my weekly newsletter, I will have a section at the bottom where I post the M Shwari confirmation text, and an update of my running balance. Sign up to my newsletter below, let us keep each other accountable.

So? Are we on?




  1. Wamz January 12, 2016 at 10:16 am Reply

    Yes we are!!

    • kellie January 12, 2016 at 1:45 pm Reply

      Good stuff Wamz. Let us do this!

  2. Flavia January 12, 2016 at 2:30 pm Reply

    yes indeed! Excellent Idea

  3. мåµⓡ¡ςέ ☯ May 24, 2016 at 10:49 am Reply

    Catch up Kellie… “KEH6RV2U1U Confirmed. Ksh10,000.00 transfered to Lock Savings Account on 17/5/16 at 6:03 PM. M-PESA balance is Ksh518.00. Lock Savings Account balance is Ksh32,474.48.”

  4. Ndenengo October 15, 2016 at 3:16 pm Reply

    Oh! it sounds great! What can I do? Its already October, can still start?

  5. Deb December 22, 2016 at 1:59 pm Reply

    It’s the final. Week of 2016 are we getting an updated post? And yes 2017 I’m in.

  6. samuel December 27, 2016 at 11:15 pm Reply

    we are on.

  7. Pingback: Updated: Budgeting Template for 2017 – The Value Mama

  8. IceBreaker January 4, 2017 at 4:58 pm Reply

    This gonna be very interesting. Lets go..!

  9. Diana Ndungu January 5, 2017 at 1:12 pm Reply

    When do we start ? Very interested

  10. Ash January 5, 2017 at 8:26 pm Reply

    Very cool!! Thinking of how I’m going to translate this into ££ though….

  11. Maurice Odhiambo January 25, 2017 at 12:46 pm Reply

    Perfect Idea!

  12. lydia September 3, 2017 at 9:03 pm Reply

    Its sep 2017 n I feel like starting to day till next year sep is this ok

Leave a Reply

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.

Related Posts

Which is the best SACCO to join if you want to save for a home? This question came from one of my...

It is that time of the year when we make plans (I prefer to call them plans, not resolutions) for...

There is a joke that every Kenyan has a side hustle, so this article is probably moot but I will...