# Fun & Easy 100 Envelope Challenge Chart (Free Printable)

Take up the challenge of downloading 100 free envelopes and get started. This easy-to-use and enjoyable envelope system will assist you in staying on track with your savings goals. Join the challenge and enter 100 money envelopes every day, while also having fun!

Please read my full disclosure for more information. If you make a purchase, this post may contain affiliate links, and I may earn a commission at no cost to you.

## What is the 100-day financial challenge?

Before you know it, you can track your progress with a savings tracker and see how much money you should save each day by setting up an envelope system with numbers on each corresponding envelope. Setting up this system involves assigning numbers to each corresponding envelope to determine how much money you should save each day. Additionally, the 100-day challenge, also known as the money challenge, is a fun way to help you consistently save more money.

You’re striving to achieve any financial objective you desire with the assistance of a debit or credit card, to obtain funds to fulfill your emergency needs, you can utilize this additional cash.

## What is the mechanism behind the 100 envelope challenge?

Let’s dive in, you just need a few things for your 100-day money challenge, and it’s set to be pretty easy (you may already have the supplies in your house).

• Step One: Collect 100 cash envelopes (here are some affordable ones).
• In the second step, assign numbers ranging from \$1 to \$100 to your envelopes, and then haphazardly shuffle them to ensure that the numbers are thoroughly scrambled.
• Step Three: Discover a location to store your envelopes – a shoe box or a recipe box works wonderfully.
• Step Four: Select a random envelope each day (simply choose one, without looking!).
• Step Five: Include that sum of money into the envelope.
• Step Six: Divide your filled envelopes (simply store them at the rear of the container).
• ## 100-day Money Saving Challenge Calculation

A \$56 package, then the following day, a \$3 package you could obtain. Every week, the amount you save will fluctuate as you will select packages randomly during the 100-day money challenge, resulting in a total savings of \$5,050.

• If you selected the tiniest envelopes, such as 1-7, then the minimum amount you would save in a week is \$28.
• If you obtained the topmost envelopes, like 94 – 100, then the maximum amount you would save in a week is \$679.
• Typically, you will find yourself somewhere in the midst.

## 100 chart for the envelope challenge

I absolutely love a good printable tracker! It helps me visually track my progress, which keeps me motivated. If you enjoy tracking your progress as well, then you should definitely make sure to grab your free 100 envelope challenge chart. Some people are not as interested in this, but there are definitely others who are.

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If you have previously used trackers but have not achieved success, then I will provide some suggestions that might assist you.

• It is crucial to keep it in the center and at the forefront. Somewhere you will see it every day, whether it be on your bathroom mirror or your refrigerator. Do not tuck it away in a pile of papers or a binder – keep it where you can easily see your tracker.
• Before going to sleep, you have the option to complete your tracker immediately after brushing your teeth. As an illustration, if you already have a habit you wish to incorporate either before or after establishing a new habit, such as habit stacking, include the task of filling out your tracker as a component of your daily routine. This way, our bodies develop a fondness for habits, whether they are beneficial or detrimental. Incorporate it into your regular practice.
• Alright, if you happen to need an extension on your challenge, I promise nothing bad will happen if you miss a day. Just don’t throw in the towel and quit if you miss a day. It means that this “challenge” is difficult, but it’s not impossible.
• ## Materials required for 100-day financial undertaking

If you do happen to require ordering items, what you will require is this, although it is likely that you already possess everything you require in your household.

• DIY 100 envelope challenge tracker – grab it here! (It’s free, simply download and print).
• 100 monetary envelopes – you have the option to utilize plain white or vibrant envelopes.
• The 100 envelope challenge box – any shoe box will suffice, or if you can acquire a lively cash box.
• Pens – vibrant markers to sketch your beloved quotes on your envelopes.
• Items to enhance the enjoyment – decals, seals, etc. (Optional).
• The materials are not overly costly; certainly, feel free to add a touch of enjoyment for yourself, if adorning it attractively and charmingly will increase the likelihood of your commitment. However, considering it is cost-free, I strongly recommend utilizing your existing possessions as this is a challenge focused on saving money.

You can also get rid of stuff you don’t need anymore by grouping them with neighbors who want them. This is a group where you can ask for things you need, so you don’t have to buy anything. Don’t forget to ask around for supplies on my beloved local Facebook Buy Nothing group.

If you have a bag of clothes that your kiddo has outgrown, you can request people from the group page to get the items from you and post a picture of the items on the front porch, even if they come to pick them up.

You will see some local groups in your area and, if you search for “buy near me,” you can just go on Facebook; there are no groups to buy things all over the country.

### Advantages of the 100 envelope challenge

• It’s enjoyable to push yourself to accomplish difficult tasks! A financial challenge is an excellent method to set aside funds for an upcoming significant expenditure if you have a specific goal for saving money.
• Even after the challenge has ended, you will develop financial habits that will remain with you by establishing a regular practice of completing your tracker and selecting envelopes – effectively cultivating a habit of saving.
• Enhance your financial situation in 3 months – this money challenge is relatively brief, so you can quickly accumulate savings.
• Easy to follow – This challenge is very simple & straightforward; just grab an envelope and put that amount in it. Done.
• It is important that you don’t quit your work, as it can be a challenge-day 148 if you want. If you need to take a pause due to job loss, you can easily restart it when needed, as it is like a challenge-day 100.
• I derive a great deal of satisfaction from putting in a lot of effort and dedication! Once again, I adore using a tracker. You can see your progress with a printable PDF challenge envelope – there’s a tracker available.
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### Disadvantages of the 100-day money challenge

• It will be easier for you if you are a bartender or server and receive cash tips. I usually don’t have much cash lying around, so I have to go to the bank to deposit all sorts of bills. I’ll admit that I don’t usually have access to cash.
• Perhaps you’ll need a little extra help or a small cushion for those rainy days when your funds are running short. Maybe you could tuck away a little extra when you know you’ll need it. Handling the \$83 envelope will be a bit tougher, but grabbing the \$2 envelope will be a piece of cake. Figuring out your budget during high-dollar days can be a challenge.
• Overcoming the mental hurdle of finding ways to save money can be disheartening when you feel tight on money and are trying to save. If you’re not sure how to come up with it, figure out how to advise yourself all day; then, draw an envelope in the morning with the amount of money that you don’t want to slack off on, but make sure it’s a high dollar amount.
• ### Who should take on the 100 envelope challenge?

If you want to improve your cash situation and get more disciplined with spending, this challenge can give you an extra bit of motivation so you can reach your savings goals faster. It’s also great if you have a goal, like saving for a wedding, car, or vacation.

It’s meant to teach you how to be more mindful of your spending and have a plan for where your money is going. It’s important to remember that this won’t magically make extra money appear in your wallet or bank account, so it’s a challenge to save more.

### Who should AVOID participating in the 100 envelope challenge?

Those who have a monthly budget must prioritize their expenses. It might be better to focus on essential needs such as insurance, food, utilities, and housing – ensuring that all four walls are covered. If you are already in a difficult financial situation and don’t have enough money to cover your regular expenses, it may not be the best idea to take on this challenge.

You can try doing the \$5 Challenge or the Penny Challenge, which is a much easier challenge to fit into your budget for the week.

Enabling you to start the challenge to finish, both money and free time will be available for you; you can always do a money challenge later when you want to get rid of debt or increase your income.

## Methods to obtain fast cash for your predicament

There are plenty of different ways you can use to help you get some quick cash to challenge your savings. We have linked the best ways to make cash easy and quick here.

• Register to participate in surveys with companies that provide payment through PayPal.
• Earn cash by playing games on your mobile device, search for games that offer instant PayPal payments.
• If you reside in a state that has a bottle redemption policy, you have the option to bring back empty bottles.
• Exchange your extra coins at a coin machine.
• You can trade items that are no longer required… Trade your outdated accessories on the internet.
• Bring belongings you no longer desire to a pawn shop.
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## Tips for Overcoming Difficulty in the 100 Day Money Challenge

• When you feel like quitting and times get hard, you know you need to save for something important – keep your goal in mind and cut out a picture of what you’re saving for, to put it right up front on your tracker.
• You may be tempted to skip using this tracker – a chart challenge envelope that can be hugely unhelpful, showing only how much you saved but not showing the progress and commitment you are making. Please don’t skip this hard thing that you are doing to show your commitment and progress.
• To ensure that any bumps in the road do not derail your start, look ahead and make sure you spend more time on events, holidays, parties, birthdays, or any other challenges that may arise.
• Avoid going to Target and opt for Winco instead, where the temptation to purchase unnecessary items will be minimized. Identify your triggers – If you are aware that you tend to visit Target and get drawn into the Dollar Spot whenever you are feeling bored.
• ## 100 variations of the envelope challenge

If you want to be a bit more ambitious and try one of these 100 envelope variations, you can do so (or if the dollar amount doesn’t work for your budget).

• If you want to scale back a bit and try the 50-day challenge, you would have saved \$1,275 by the end. So, you would have labeled 50 envelopes (half in) and made cuts to the numbers on the timeline.
• This is certainly amazing for those with a lot of budget flexibility – at the end of the 100 days, you would have saved \$10,100. You start by labeling the envelopes with \$80, then \$60, then \$40, then \$20, except for the envelopes labeled \$2,000 and \$20. The same framework applies before as the challenge is to save \$10,000 in 100 days.
• ## Alternative cost-cutting difficulties

If the 100 envelope challenge doesn’t suit you, there are numerous alternative money-saving challenge ideas for you to explore.

• You will have saved \$667.95. On the last day, you saved \$3.65. And so forth, on day two you saved \$.02, then on day one you started with \$.01 – this is The Penny Challenge, a year-long challenge.
• How about I tell you how I did a no-spend month right here, and how you can do a no-spend challenge too? This is my favorite money challenge of all – the No Spend Challenge. It means that you can only spend money on must-haves like medications, gas for your car, and basic food.
• The \$500 to \$5 Challenge involves contributing to this fund whenever you receive a \$5 bill, without any specified time limit. Requesting various denominations from the cashier is required, and cheating is not allowed. The amount accumulated will go towards savings until you reach \$500.
• There is no specified duration, thus the range of \$5 to \$500 is equivalent to the \$1 to \$100 Challenge. This activity is particularly suitable for your tweens, as they are at an age where they possess their own money.
• These are only a handful of concepts, and there are numerous additional cost-cutting opportunities available right here.

## What are the reasons for participating in a money challenge?

I can see myself accomplishing a daunting and ambitious task if I challenge myself and enjoy doing difficult things. Plus, it’s a great way to stay motivated and focused on building good financial habits and saving towards your goals.

## By the conclusion of the day

Over time, even small amounts that prioritize us can also help. Anyone can add a little fun to their savings with some motivation and creativity – finding ways to save money doesn’t have to feel like a chore. There are several things to be learned from it, whether or not the 100-day money challenge is right for you.

Why not give it a shot? Running off and paying for it in the long run, freedom financial (also known as financial independence) is the key takeaway here. Developing a consistent and meaningful habit of saving is essential for managing your finances. You may be surprised at how much you can save, and who knows it better than yourself?

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