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Yesterday, I announced the #52WeekChallenge to such great response from twitter that I am blown away. Over 500 people responded saying they are taking it on, and the post has been shared countless times! Yay! You guys are awesome.

This follow up post seeks to explain my thinking around this challenge, and at the end, I will share a form for those that want to go big, that is start with 100 shillings instead of 50.

For those who took it on last year, this challenge served a number of functions:

  1. It was a gentle introduction to savings and an easy way to form a saving habit for those who had not saved before.
  2. It was a way to be more conscious of your day to day spending and to see areas where you can save a bit more. This was true for me. Though I have/had a savings plan in place, I still felt I spent a lot of money on unimportant things. My approach was to save upfront out of my weekly allowance, then survive on what remains. And it worked!
  3. To save for a particular purpose, such as a holiday.  A number of my followers are saving towards a holiday this year too.

My approach this year will be similar to last year’s. I will save out of my living allowance every week, and any extra cash I get will go towards covering the final months that are quite heavy.

Last year, I did not have a purpose for the money, and I ended up spending some of it to top up my daughter’s school fees and I have KShs 22,000 still locked in my M Shwari account. This year, I want to invest the money. I will be looking to pick up a few stocks from the Nairobi Securities Exchange for cheap, and for the long-term. This is a small effort towards building my child’s university education fund.

What is your reason for doing this? Is this your first time saving? Let’s talk in the comments section, on Twitter using the hashtag #52WeekChallenge

Finally, for those that want to start with 100 bob, here is the worksheet.





  1. kelvin January 3, 2017 at 2:20 pm Reply

    need the calender. kindly send to

    • kellie January 9, 2017 at 9:10 pm Reply

      Hello Kevin, just right click on the photo (or long press if on the phone) and save it.

  2. Anne Japheth January 4, 2017 at 12:17 pm Reply

    I like the 52week challenge.Am gonna apply it in my personal finance this year.My year of resolution. Thanks alot Mr Rookie

  3. Dorine January 4, 2017 at 5:22 pm Reply

    Brilliant! Many thanks for this Mr. Rookie.

  4. Arbogast January 4, 2017 at 6:12 pm Reply

    Hey – could you share the workings of the “Balance” column? I don’t quite understand how those figures come are arrived at?

  5. Cici January 4, 2017 at 6:26 pm Reply

    How do i get the 52 week challenge sheet?

  6. Shiku January 5, 2017 at 3:19 pm Reply

    Done. Made my week 1 deposit. I’m very excited about this challenge. Thank you for this challenge.

  7. Sakina Mathenge January 6, 2017 at 9:41 am Reply

    I need the calendar, that’s my 2017 yr resolution, thank you, kindly send me via

    • kellie January 9, 2017 at 9:11 pm Reply

      Right click on the photo and save it Sakina. Or long press if on the phone. Ahsante.

  8. walter January 6, 2017 at 12:16 pm Reply

    brilliant idea. How can start saving with #52weekchallenege.

  9. Cynthia January 7, 2017 at 2:48 am Reply

    Thank you so much for the challenge.
    This is my first one. I want to save towards a holiday.

  10. Bridgit January 9, 2017 at 4:23 pm Reply

    need the calendar. kindly send to Thanks

  11. Merci January 10, 2017 at 8:44 am Reply

    I am taking the 100 challenge and starting from December. I think this will motivate me because I shall be contributing less as the year progresses.

  12. Pingback: Developing a saving discipline: The 52 Week Challenge | Eneza Education

  13. Faith June 23, 2017 at 4:45 pm Reply

    I can’t understand the balance amount how it doubles the account

  14. Sheila k January 2, 2018 at 2:03 pm Reply

    I would like to start the challenge please send me the chart

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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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