Reverse 52 Week Money Challenge with Printable

The Reverse 52 Week Money Challenge is a great way for people to save their end of the year bonus or holiday money in order to secure the bag.

On the 7th day of blogmas, Aitza gave to me…money savings tips to make 2018 financially amazing.


A few years ago I the 52 Week Money Challenge floating around social media. Wanting to start an emergency fund, I thought it would be an excellent way to jumpstart said fund. The premise of the challenge is to save $1,378 in 52 weeks. If you’ve read my post one Why College Grades Need a Chime Account, you’ll remember I stated nearly 69% of Americans do not have $1000 saved up. Here you have a tool to help you get over that first hurdle. Unfortunately, the traditional money challenge did not work for me for several reasons. Being the stubborn person I am, I was determined to make the Week Money Challenge work in my favour. That’s how I came up with the 52 Week Money Challenge in Reverse


The Traditional 52 Week Challenge

The traditional challenge has the saver setting aside an increasing amount of money every seven days. Week one you’ll have $1, Week two you’ll see the balance increase to $3 once you’ve added $2 and so on and so one.


When I started off, everything was going great. I made it half ways with about $400 saved in July. If you peep the chart above, you’ll see the goal for Week 28 is a balance of $406. So what happened after week 28 you ask? Life. July meant internships were coming to an end, a gap in pay checks, stocking up the dorm fridge. Then as soon as I get settled in August, it is celebration season. Labor Day, Granddaddy’s Birthday, my birthday, Mommy’s birthday, fall break, Thanksgiving, winter break, and Christmas. Ya girl needs a lot of disposable income towards the end of the calendar year. That’s why I decided to reverse the 52 Week Challenge. It is easier for me to part with $3-$20 every pay period than it is to part with $60-$100.


Reverse 52 Week   Money Challenge

The reason I recommend doing this challenge in reverse, is to take advantage of your cash flow at the beginning of the year. Perhaps someone gifted you $25 or $30 for christmas, well that’s half of your first week’s despoit right there. Maybe your company gave your an end of they year bonus, just go ahead and transfer that into your 52 Week Challenge savings. If you’re in college you might be getting a refund check. Take about $250-$400 out of that to jump start you savings.  Maybe none of these scenarios apply to you, but you know you’ll be getting money back during income tax season. Then that is also a splendid time to jump right on in. Then you’re not taking a large sum out each pay check.

For many having disposable at the end of the year is a must. That's why I do the Reverse 52 Week Challenge Click To Tweet

Once you’ve built your nest egg, it is more difficult to watch your balance drop from $388 than from $26. Not to mention it’s nice to look back at the end of the year and reflect on how are you’ve made it. Personally, I don’t like to feel as if I have to choose between treating myself to a weekend trip to the mountains are dropping almost $200 in my savings account at the end of the year. Just no. Especially knowing that when January comes around, I don’t want to see people. It is just me, my books, and my knitting needles.

The Reverse 52 Week Challenge is great for those looking to save some of their holiday gift #money or end of the year bonus



Do’s and Don’ts of the Money Challenge

Don’t Save Your Money in a Jar

I am not one of those people to tell you to take cash out of your bank account and place in a mason jar or envelope or shoe box under your bed. It is not safe and your money isn’t insured. If your house gets robbed you aren’t going to get the $558 back you saved.

Do Create an Online Savings Account

I’m a huge fan of online savings accounts.  Currently I’m using Barclays Dream Account which has no maintenance fee, 2.5% on six months earned interest with no withdrawals, and 1.05 % APR (annual percentage rate). Though at the moment the APR is 0.95%.

I prefer online savings accounts because they act like an out of sight out of mind savings method. It takes a couple of days for me to transfer the funds, so no impulse spending. With the right account, your money can earn 1%-1.35% APY just sitting there for Free 99.


Do What is Feels Comfortable

If you aren’t a fan of online savings accounts that take a few days for funds to transfer, I suggest other online accounts that come with a debit card and have no bank fees. As you know, I’m a fan of Chime Accounts, at there are ZERO fees involved and if need be, you can transfer from your savings to checking ASAP. If you do choose this route, keep your Chime card tucked away. That way you aren’t quick to grab and swipe.


Chime is giving the Petite Crew a $5 bonus when opening a Chime account. Don’t miss out on free money and join today!

Doing the reverse money challenge does not mean you have lots of play money

Don’t  Treat This as Play Money *

*terms my vary

If your goal is to save our $1,000 to have an emergency fund, don’t dip into this when you want to eat out with friends or take advantage of a 40% off sale at your favourite store. Your future self won’t be thanking you. But if the purpose of this account is to pay for an upcoming trip or fund a move, then it is okay to dip Into it if you are presented with the chance to buy a discounted plane ticket or put down a deposit on your dream place before it’s snatched.

Do Be Realistic About Your Saving

I am all for paying yourself first, but sometimes emergencies happen. If your paycheck is short one week and a bill is due, pay the bill. You’ll be glad you avoided the late fees that can add up. Don’t throw away money if you can help it, then during your next pay period make up for the difference.



That’s all I have good people. I hope these tips help you start your 2018 financial goals off to a great start. If you plan on participating in the challenge, let me know. If you have other money savings tips, I’d love to hear about those too.

Until Next Time,


  • I’ve always want to try these challenges but have never actually succeeded in making it past a few weeks. Is it weird that I read the first line to the tune of the 12 days of Christmas…lol

  • Shannon

    I will be honest I was a bit off put by the original GIF but I really enjoyed your article. great tips here

  • I ABSOLUTELY love this idea!! I have to try this because the way my bank account looks after all this holiday shopping…just nah 😂


    Aïchatou Bella

  • I think I might have to try this challenge at the beginning of the new year. Sounds like a really great idea.

  • This is a great idea! I agree, it’s way harder to put away large amounts of money as it gets closer to the holidays.

  • Why you got me here…printing out these Reverse Money Challenges for my Co-Workers…Like now you don’t have an excuse. LOL

    My little trick is every first of the month (we are paid once a month) I automatically set up my joint account to deduct 300€ from my personal account to my savings and I go on about my day. So I just get myself used to my new salary rather than actually forcing myself to take money out and putting it into another place. Not that I am saying everyone should do this option or the amount but something where it happens automatically helps me not to get tempted to spend. What you think?

  • Lisa Rios

    Saving is such an important tip, and I think we all get confused sometimes and think we “should” save a specific amount, but really we should do what works for us. We have different families, jobs, things to do, and goals/dreams, but we need to adjust accordingly.

  • Razena

    This looks a very doable way to save. I too prefer the reverse challenge as it does work better with my circumstances and will start in Jan.

  • I really like this idea, and I’m going to try it. We’re trying to save for a family vacation.

  • Wow, this idea is actually better than the traditional way lol

  • Rachael Burow

    oh how perfect is this for the new year?! I love it, I’m totally going to share with hubby and attempt this challenge! Great idea and blog post!

    • Aitza B

      Best of look with your 2018 savings goals, Rachel! Thanks so much for commenting.

  • I absolute love this idea and will be sharing it with my friends. Awesome way to secure a bag in 2018.