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3 Month Money Saving Challenge

MoneyWhitney CarlsonComment
3 Month Money Saving Challenge | He and She Eat Clean

Sometimes it's best to start off small and easy, that is true for fitness and finance. With the new year approaching, many of you will be setting goals to save money. It sounds like a great goal (and IS a great goal) but if you don't really have a place to start it's overwhelming. You could do a no spend challenge but that might be a little bit too extreme for some. You could also start our beginner money saving challenge that puts you on a path to save $500 in six months but I want you to have bigger goals and accomplish them faster! You CAN do this!

This three-month money challenge will have you saving $600 by the end of the challenge. In order to do this, you will be saving $50 per week. This amount may sound easy for some but hard for others. I am confident that the majority of you CAN make this work.

In order to save the $50 per week, you will want to look at your expenses. This could be something as simple as quitting your morning drive-thru coffee habit (save at least $28 per week) and/or eating out for lunch or dinner (save at least $70 per week). No matter what time of year you are starting this challenge, you will likely have a holiday come up. Just because it's a holiday on the calendar doesn't mean you have to buy gifts or spend money. If you want to make the holiday special, do something with your loved ones! There are many free options and, again, gifts are NOT required. Another idea is to go through your bills and cut out unnecessary expenses. Maybe you can downgrade (or eliminate) your cable or you could lower the data you pay for on your cell phone plan. Every little bit adds up! You could also come up with this $50 per week by selling items that you no longer use or need. Each person will have their own journey so personalize this to you! Most of all, do not give up!

Looking for a printable version of this challenge? We've got you covered! Join our newsletter and you will be taken to a black and white printable version right away! Grab the printable challenge here.

3-Month Money Saving Challenge | He and She Eat Clean

The $50 per week breaks down to $200 per month but that can seem like a lot of money per month so I like to break it down into weekly goals. :) But if you like to think of it as $200 per month, go right ahead. Do what you need to do to accomplish your goals!

3-Month Money Saving Challenge | He and She Eat Clean

$300 12-Week Christmas Money Saving Challenge

MoneyWhitney CarlsonComment
$300 12-Week Christmas Saving Challenge | He and She Eat Clean

I know, I know...a lot of challenges all at once but that's just the mood I've been in. ;-) Our 30-Day Full Body Fitness Challenge starts on the first (or you can start now, if you want!). We haven't had a finance challenge in awhile so why not now?!

I promise I am going to post more soon about our lifestyle, how we live below our means, and share more about how we save (you can read about some of it here and here). There's just a lot of different angles for me to go into and I get overwhelmed so that's why I haven't published it yet. ;-) BUT I did want to go ahead and publish this 12-Week Saving Challenge so that you have time to get started before the holidays. Read on though, there's more.

My family wasn't that crazy about birthdays, and by crazy, I mean we weren't over the top. Growing up, Christmas was always our big holiday. Just a side note, my family has been selling Christmas trees for over 30 years at our family farm. Christmas was when our entire family got together and it was truly a special day and time. We did also get a lot of presents for Christmas but nothing extreme, especially compared to some stuff I've seen lately. When Scott and I got married we did continue on with the what some would consider "over the top" Christmas. We didn't really spend a lot of money but still felt the need to exchange gifts even if it was something that we already knew about (which it always was).

Fast forward, now Scott and I don't give each other gifts. Instead we save our money for trips and other experiences. People always ask how we travel so much and it's because we don't give anniversary, birthday, Christmas gifts, or gifts for any other holiday or made up holiday in between. I'm not saying that this is the answer for everyone but it allows us to spend money on what truly matters to us, instead of spending money on things.

RELATED: Read about our travels.

Not only do we save the money we don't spend on traditional gifts to travel but we also try to donate our time and money to charities throughout the year and during the holidays. The way that we look at it is there are so many people in this world who have so much less than we do. Instead of buying each other something that's just going to sit around we would rather help other people. That's why I wanted to create this challenge. You can use this challenge to save money to buy gifts for your friends and/or family or you could use the challenge to save money to use for "random acts of kindness" throughout the holiday season - and even continue it into the new year! No judgement here - it's your challenge and you use the saved money as you see fit.

If you follow this money saving challenge you will end up saving $300 in 12 weeks. This amount of money can easily be saved each week if you cut back on your dining out, drinks out, and unnecessary and small purchases that you probably overlook right now. Things like buying coffee, soft drinks, appetizers, and desserts add up quickly! Skip those!

If you do plan on using this money for "random acts of kindness" some ideas are paying for a strangers gas, food, or even put together bags for the homeless or a local hospital! The possibilities are endless! You don't have to spend money to be kind to others though, you can volunteer with local organizations or visit nursing homes or hospitals. Hopefully what you receive in return will encourage you to continue this after the holidays.

Looking for a printable version of this challenge? We've got you covered! Join our newsletter and you will be taken to a black and white printable version right away! Grab the printable challenge here.

$300 12-Week Christmas Money Saving Challenge | He and She Eat Clean

6 Easy Ways to Make Money with Things You Don't Need

Money, ShoppingWhitney CarlsonComment
6 Easy Ways to Make Money with Things You Don't Need | He and She Eat Clean

I have a saving problem. Yes, sometimes it can be as bad as a spending problem. I've actually loosened up lately - but only for travel. My heart still sinks when money is taken from our bank account. I completely believe in spending money on quality food, supplements, and travel. Those are the things I believe are worth spending money on but each person has to determine that for themselves.

Ever since I left my corporate job I have been organizing our life and simplifying even more! We wanted to get rid of as much as possible so that we could do some updates around the house without using money in our savings account.

6 Easy Ways to Make Money with Things You Don't Need

1. Sell old DVDs to a movie trade store. We took almost 300 DVDs and received a little over $150. We could have received a store credit for $300 but we do not really buy movies anymore so we took the cash instead. Selling 300 DVDs for $150 doesn't sound like much but we didn't pay much for them either. We usually bought movies when they were less than $5. I even had to dust them off before we took them in so it's just an extra $150 in our bank account!

2. Trade in old video games. Another thing that we have always done is when Scott wants to buy a new video game (he only buys 3 per year: Tiger Woods, NFL, and MLB) he trades in an old game so we don't ever pay full price for the new video game. I remember one of my sister's boyfriends would laugh at me for having Scott do this - but I don't care! What's worse than paying full price for a video game is having old ones sit around and collect dust! I HATE "stuff"!

3. Sell clothes to a local consignment shop. I have always done this but I have just now been able to get Scott to go through his clothes. The hardest part of this is finding a good consignment shop in your area. I take mine to the same place every time, which is also where I buy a lot of my clothes. If you haven't worn the clothes, shoes, or accessories in over a year you probably won't wear them again - get rid of them! At the consignment store I use, you can either get cash or store credit. I usually leave it as credit that way I can go shopping without actually spending money. At any given moment I will have $100-$300 credit and this is coming from someone who doesn't even like to shop in the first place! If you have a lot of designer clothing or accessories you can make a decent amount of money. I just went by and picked up a check for over $200 before we went on our last vacation! Talk about easy money!

4. List items you no longer use on Craigslist or eBay. Really think about what you need in your house. Do you need a TV in every room? We listed a TV, DVD player, and TV stand which resulted in an extra $400 in our pocket and we haven't missed it once!

5. Get rid of your cable or lower your package. This might sound crazy to some people but you CAN live without TV. When we first got married we didn't have cable but then we had to get it so Scott could watch the Cubs games (very important, right?). I called to cancel it again at the beginning of the year. They tried to talk me out of it, of course. They ended up offering us the lowest package for under $5 per month. We did take that offer so we do have local channels in case we need them (I'm not sure what for!). We don't really watch a lot of TV or movies at all anymore but if you are a fan try Amazon Prime (you get a lot of free rentals there) or Netflix.

6. Have a yard sale. I'm not a fan of these actually. Too much work to organize, haggle, and actually work at the garage sale. I've had a few but I guess I just don't have enough stuff to begin with to have a good return. Some people have great success though - if you have a lot of stuff to get rid of...go for it! Advertise it in your local newspaper, put up easy-to-read signs, and post about it in your local Facebook yard sale group. What doesn't sale - DONATE!

We choose to skip the expensive restaurants and designer handbags or shoes but we do travel and buy the best hiking gear. We all have random things we are willing to spend money on...you just need to find a balance (just like with fitness) that works for you and your BUDGET! Unfortunately in life we can't eat everything we want and we can't buy everything we want! ;-)

- Whitney