24 Paycheck Money Saving Challenge

I have an addictive personality. Right now, I am feeding it by obsessing over how to save more money in 2015. I adore the idea of the popular 52 Week Money Saving Challenge that dominates Pinterest at the beginning of every year. Unfortunately, I don't find it conducive to my family's particular situation. My husband is our only family member who works for money and he is paid bi-monthly on the 10th and the 25th. I regulate all of our bills off of these two dates and would prefer to tuck away money ONLY on these two dates in order to clearly see how much is left for the rest of the pay period.

In an attempt to make it easier for me, I have changed it from a 52 Week Money Saving Challenge to a 24 Paycheck Money Saving Challenge! Also, the $1,378-$1,729 (depending on which method you chose to use) you end up with at the end of the challenge challenges my OCD so I have added a few extra dollars to end up with a nice, calm, and even $2,000. You're welcome. I of course realize the deposits are grander than the weekly version, so it might not seem quite as conquerable. Just remember you're only making half of the number of original deposits!

To make it easier for me I also felt that I needed to tweak not having the bulk of the savings coincide with the holiday season. Ouch. I have seen the challenge offered in reverse as well: you start off saving the higher amounts at the beginning and then reduce the amount weekly. Again, ouch. To help smooth this out and give my new savings habit an easier start, I tapped into my inner statistics loving self and designed it after the classic bell curve. Your pockets will feel the increase happen sooner, true, but you'll also feel the decrease sooner, too!

One last trick I plan to implement is to ensure I don't touch the money: I opened another savings account, separate from where I normally bank, to help it become "out of sight, out of mind." Anyway, here's a link to my 24 Paycheck Money Saving Challenge if you'd like to make your own adjustments. Please let me know if you have any other suggestions and stay tuned for ways to help come up with the deposit amount. Happy savings!

24-Paycheck Money Saving Challenge
Paycheck	Deposit Amount	Account Balance
1	$55	$55
2	$60	$115
3	$65	$180
4	$70	$250
5	$75	$325
6	$80	$405
7	$85	$490
8	$90	$580
9	$95	$675
10	$100	$775
11	$105	$880
12	$120	$1,000
13	$120	$1,120
14	$105	$1,225
15	$100	$1,325
16	$95	$1,420
17	$90	$1,510
18	$85	$1,595
19	$80	$1,675
20	$75	$1,750
21	$70	$1,820
22	$65	$1,885
23	$60	$1,945
24	$55	$2,000