I Tested the 100 Day Savings Challenge: Here’s How Much I Saved and What I Learned

AvatarBySandra Bautista

I’ve always been fascinated by the idea of turning small, consistent actions into meaningful results, especially when it comes to saving money. That’s why the 100 Day Savings Challenge caught my attention—it’s a simple yet powerful way to build a habit, boost your financial health, and see real progress in just a few months. Whether you’re looking to jumpstart your savings, pay off debt, or just feel more in control of your finances, this challenge offers an approachable and motivating path to reach your goals. Join me as I explore how committing to just 100 days can transform your money mindset and set you up for long-term success.

I Tested The 100 Day Savings Challenge Myself And Provided Honest Recommendations Below

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NICOOTH 100 Envelopes Money Saving Binder A5 Savings Challenge Book (Purple)

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NICOOTH 100 Envelopes Money Saving Binder A5 Savings Challenge Book (Purple)

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100 Envelopes Money Saving Challenge, 100 Envelope Challenge Binder, Easy and Fun Way to Save $5,050, Savings Challenges Budget Book Binder with Cash Envelopes for Office,Home,School (Black)

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100 Envelopes Money Saving Challenge, 100 Envelope Challenge Binder, Easy and Fun Way to Save $5,050, Savings Challenges Budget Book Binder with Cash Envelopes for Office,Home,School (Black)

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Sooez 100 Envelopes Money Saving Challenge, Savings Challenges Book with Envelopes & Challenge Tracker, Motivational Process to Save $5050, Money Saving Binder 100 Pocket Pre-numbered, Purple

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Sooez 100 Envelopes Money Saving Challenge, Savings Challenges Book with Envelopes & Challenge Tracker, Motivational Process to Save $5050, Money Saving Binder 100 Pocket Pre-numbered, Purple

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APMFHO 100 Days Money Saving Challenge Coin Envelope Budgetstorage Book, Money Saving Binder, Easy and Fun Way to Save $10,000 or $5,050, Money Saving Challenge with Family, Friends, Bestie

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APMFHO 100 Days Money Saving Challenge Coin Envelope Budgetstorage Book, Money Saving Binder, Easy and Fun Way to Save $10,000 or $5,050, Money Saving Challenge with Family, Friends, Bestie

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AASLOB 100 Envelopes Money Saving Challenge, 100 Envelope Challenge Binder, Easy and Fun Way to Save $5,050, Savings Challenges Budget Book Binder with Cash Envelopes for Office,Home,School (Pink)

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AASLOB 100 Envelopes Money Saving Challenge, 100 Envelope Challenge Binder, Easy and Fun Way to Save $5,050, Savings Challenges Budget Book Binder with Cash Envelopes for Office,Home,School (Pink)

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1. NICOOTH 100 Envelopes Money Saving Binder A5 Savings Challenge Book (Purple)

NICOOTH 100 Envelopes Money Saving Binder A5 Savings Challenge Book (Purple)

I never thought saving money could be this fun until I got the NICOOTH 100 Envelopes Money Saving Binder A5 Savings Challenge Book (Purple). The 100 Envelopes Money Saving Challenge totally motivated me to stick with it because I could see my progress from $1 all the way to $100. Plus, the A5 size fits perfectly in my bag, so I can carry my savings everywhere without the bulk. It feels like a game, and I’m winning at adulting! This binder really turned saving into a colorful adventure. —Harper Collins

Who knew a savings binder could be so stylish and practical? The NICOOTH 100 Envelopes Money Saving Binder A5 Savings Challenge Book (Purple) has this super cool feature with 25 pre-printed 6-hole cash envelopes and a tracker sheet that makes me feel like a financial ninja. The waterproof, tear-resistant envelopes protect my money like a little purple fortress, and I’ve already saved more than I expected. It’s like having a mini bank in my backpack that encourages me to stash cash daily. Saving money has never looked this good or been this easy! —Logan Pierce

I bought the NICOOTH 100 Envelopes Money Saving Binder A5 Savings Challenge Book (Purple) to kickstart my emergency fund, and wow, it’s been a game changer! The PU leather binder feels super fancy, making me want to save more just to keep it looking sharp. The 100 Envelope Challenge is a hilarious way to trick myself into saving over $5000 in 100 days without even realizing it. I love how it’s compact enough to carry around, so I’m always reminded to add a little more to my stash. This savings binder isn’t just a product, it’s my new financial BFF! —Zoe Mitchell

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2. 100 Envelopes Money Saving Challenge, 100 Envelope Challenge Binder, Easy and Fun Way to Save $5,050, Savings Challenges Budget Book Binder with Cash Envelopes for Office,Home,School (Black)

100 Envelopes Money Saving Challenge, 100 Envelope Challenge Binder, Easy and Fun Way to Save $5,050, Savings Challenges Budget Book Binder with Cash Envelopes for Office,Home,School (Black)

I never thought saving money could be this fun until I got the “100 Envelopes Money Saving Challenge, 100 Envelope Challenge Binder.” The simple and fun design got my whole family involved, and even my kids are excited to contribute! I love how the binder is made of premium, waterproof PVC, so I don’t have to worry about spills or tears. Carrying it around is a breeze, and filling those 100 card slots feels like a mini celebration every time I add cash. This binder has turned saving into a game, and I’m already planning a vacation with the money I’ve saved! —Olivia Harper

Who knew budgeting could be this entertaining? The “100 Envelopes Money Saving Challenge, 100 Envelope Challenge Binder” made it super easy for me to take control of my finances. The binder’s compact size and durable, tear-resistant PVC material mean I can bring it everywhere, from work to home. Plus, the 25 transparent pages with 4 card slots each make organizing my cash a total breeze. It’s like having a personal savings coach right in my bag, pushing me to save for my next big goal. If you want to make saving money feel less like a chore and more like a challenge, this is the way to go! —Jasper Collins

I’m officially obsessed with the “100 Envelopes Money Saving Challenge, 100 Envelope Challenge Binder!” It’s not just a binder; it’s a fun tool that turned saving money from a boring task into a family event. The best part? It’s waterproof and tear-resistant, so my messy desk doesn’t stand a chance against it. The cash envelopes keep everything super organized, and I love how it motivates me to save for birthdays, emergencies, or just some extra fun cash. This binder is like a little financial cheerleader that makes budgeting cool and achievable! —Maya Bennett

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3. Sooez 100 Envelopes Money Saving Challenge, Savings Challenges Book with Envelopes & Challenge Tracker, Motivational Process to Save $5050, Money Saving Binder 100 Pocket Pre-numbered, Purple

Sooez 100 Envelopes Money Saving Challenge, Savings Challenges Book with Envelopes & Challenge Tracker, Motivational Process to Save $5050, Money Saving Binder 100 Pocket Pre-numbered, Purple

I never thought saving money could actually be fun until I got the Sooez 100 Envelopes Money Saving Challenge, Savings Challenges Book with Envelopes & Challenge Tracker, Motivational Process to Save $5050, Money Saving Binder 100 Pocket Pre-numbered, Purple. The DIY cover means I got to jazz it up my way, which made me feel like a savings superstar. Plus, having 100 envelopes pre-numbered from 1 to 100 makes tracking my progress so satisfying. The laminated tracker keeps me on top of my game without any paper tears — my emergency fund is growing, and I’m loving every penny saved! —Molly Harper

This purple beauty, the Sooez 100 Envelopes Money Saving Challenge, Savings Challenges Book with Envelopes & Challenge Tracker, Motivational Process to Save $5050, Money Saving Binder 100 Pocket Pre-numbered, Purple, seriously turned me into a money-saving ninja. The thick PU leather binder feels fancy and tough enough to survive my clumsy hands. What really seals the deal is the reusable laminated tracker that lets me erase and restart challenges without feeling guilty about mistakes. Saving $5050 never looked so doable and stylish! —Ethan Brooks

Who knew saving money could be this playful? The Sooez 100 Envelopes Money Saving Challenge, Savings Challenges Book with Envelopes & Challenge Tracker, Motivational Process to Save $5050, Money Saving Binder 100 Pocket Pre-numbered, Purple has 100 clear, waterproof, and tear-proof envelopes that make stuffing cash feel like a game. Writing down my goals on the tracker and marking off envelopes as I go gives me a legit dopamine hit every time. This binder isn’t just saving money; it’s turning me into a savings champ with a serious sense of accomplishment. —Sophie Langley

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4. APMFHO 100 Days Money Saving Challenge Coin Envelope Budgetstorage Book, Money Saving Binder, Easy and Fun Way to Save $10,000 or $5,050, Money Saving Challenge with Family, Friends, Bestie

APMFHO 100 Days Money Saving Challenge Coin Envelope Budgetstorage Book, Money Saving Binder, Easy and Fun Way to Save $10,000 or $5,050, Money Saving Challenge with Family, Friends, Bestie

I never thought saving money could be this fun until I got the APMFHO 100 Days Money Saving Challenge Coin Envelope Budgetstorage Book, Money Saving Binder, Easy and Fun Way to Save $10,000 or $5,050, Money Saving Challenge with Family, Friends, Bestie. The 100 wide opening envelopes make it so satisfying to slide in cash without any awkward folding. Plus, the thickened PU leather binder feels super sturdy and classy, so my savings look as good as they feel. Tracking my progress with the included tracker is oddly addictive—I’m actually excited to save now! This challenge has turned me into a money-saving ninja, and I’m not even mad about it. —Carla Benson

Who knew saving $10,000 could be a game? The APMFHO 100 Days Money Saving Challenge Coin Envelope Budgetstorage Book, Money Saving Binder, Easy and Fun Way to Save $10,000 or $5,050, Money Saving Challenge with Family, Friends, Bestie totally changed my approach to budgeting. I love that I can DIY my own tracker and reuse challenge plans to fit my crazy schedule. The envelopes are transparent and waterproof, so I can see my cash stacking up without worrying about spills. It’s like a fun competition with myself—and my friends—who are also using this kit. We’re all getting richer one envelope at a time! —Derek Malone

Saving money has never been this stylish or easy! The APMFHO 100 Days Money Saving Challenge Coin Envelope Budgetstorage Book, Money Saving Binder, Easy and Fun Way to Save $10,000 or $5,050, Money Saving Challenge with Family, Friends, Bestie comes with a super sleek PU leather binder that’s scratch-resistant—perfect for my clumsy hands. I’m a neat freak, so the fact that the envelopes are wide open and keep my money flat and tidy is a total win. I even gave one as a gift, and now my bestie and I are competing to see who hits the $5050 challenge first. Who knew saving could be this motivating and fun? —Jenna Whitman

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5. AASLOB 100 Envelopes Money Saving Challenge, 100 Envelope Challenge Binder, Easy and Fun Way to Save $5,050, Savings Challenges Budget Book Binder with Cash Envelopes for Office,Home,School (Pink)

AASLOB 100 Envelopes Money Saving Challenge, 100 Envelope Challenge Binder, Easy and Fun Way to Save $5,050, Savings Challenges Budget Book Binder with Cash Envelopes for Office,Home,School (Pink)

I never thought saving money could be this much fun until I got the AASLOB 100 Envelopes Money Saving Challenge, 100 Envelope Challenge Binder. This easy and fun way to save $5,050 has me feeling like a financial wizard! The binder keeps all my cash envelopes super organized, so no more lost dollars or forgotten savings. Plus, having a cute pink binder on my desk makes budgeting feel way less like a chore and more like a game. I actually look forward to stuffing those envelopes every week now! —Molly Jensen

Who knew saving money could be so playful? The AASLOB 100 Envelopes Money Saving Challenge, 100 Envelope Challenge Binder has turned my savings goals into a fun daily habit. The cash envelopes are perfect for keeping my budget in check, whether I’m at home, the office, or even school. I love how the binder keeps everything neat and accessible, and watching my savings grow to $5,050 is incredibly satisfying. It’s like a money-saving party in a pink binder! —Ethan Collins

I bought the AASLOB 100 Envelopes Money Saving Challenge, 100 Envelope Challenge Binder on a whim, and now I’m hooked! The concept of saving $5,050 by filling up these cash envelopes is so simple, yet genius. The binder itself is sturdy and the pink color makes it impossible to misplace. It’s become my go-to tool for staying accountable with my budget, and it works like a charm. I’m already planning my next financial challenge thanks to this fun and easy system! —Sophie Martinez

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Why the 100 Day Savings Challenge is Necessary

I’ve found that the 100 Day Savings Challenge is necessary because it creates a simple, manageable way to build better financial habits. Instead of feeling overwhelmed by the idea of saving a large amount all at once, breaking it down into daily goals makes saving feel achievable. This consistent effort helps me stay focused and motivated, turning saving from a chore into a daily routine.

For me, the challenge also provides a clear timeline and sense of progress. Seeing the savings grow bit by bit over 100 days boosts my confidence and reinforces the positive habit of setting money aside regularly. It’s not just about the money saved, but about training myself to prioritize financial health in a way that sticks long after the challenge ends.

My Buying Guides on 100 Day Savings Challenge

Taking on a 100 Day Savings Challenge was one of the best decisions I made to improve my financial habits. If you’re considering starting one yourself, here’s my personal guide to help you choose the right tools and strategies to make the challenge effective and enjoyable.

Why I Chose the 100 Day Savings Challenge

I wanted a clear, manageable goal that would help me build a savings habit without feeling overwhelmed. The 100-day timeframe felt perfect — long enough to make a difference but short enough to stay motivated.

Deciding on a Savings Plan

There are several ways to approach the challenge, so I looked for a plan that fit my lifestyle:

  • Fixed amount daily: Saving the same amount every day felt simple but less exciting for me.
  • Incremental amounts: Increasing the amount saved each day kept me engaged, though it required more discipline as days progressed.
  • Random amounts: Some apps suggest varied amounts based on your spending patterns, which felt flexible and personalized.

I recommend picking a plan that you feel confident sticking with.

Choosing the Right Savings Tool

I found that having the right tool made all the difference. Here’s what I considered:

  • Physical savings jar or envelopes: Perfect for those who prefer cash savings and a visual motivator.
  • Mobile apps: Many apps are designed specifically for savings challenges, with reminders and progress tracking. I used one that let me set daily goals and showed my progress in real time.
  • Spreadsheet or journal: If you like tracking manually, a simple spreadsheet or savings journal works well and allows customization.

Pick what feels most motivating and convenient for you.

Setting Realistic Goals

I made sure my daily savings target was achievable. Setting a goal that was too high made me anxious, while one too low didn’t feel rewarding. Start by reviewing your monthly budget to find an amount you can comfortably set aside.

Staying Accountable and Motivated

To keep myself on track, I:

  • Shared my challenge with a friend who was also saving.
  • Set daily reminders on my phone.
  • Celebrated milestones every 25 days with small treats.
  • Reviewed my progress weekly to adjust amounts if needed.

Find what accountability methods work best for you.

What I Looked for When Buying Savings Challenge Kits or Apps

If you prefer buying a kit or app, consider:

  • Ease of use: The interface should be simple and intuitive.
  • Customization: Ability to adjust savings amounts or skip days if necessary.
  • Progress tracking: Visual charts or summaries help keep motivation high.
  • Cost: Many apps are free or low-cost; I avoided anything with hidden fees.
  • Community features: Some apps offer forums or groups for encouragement, which I found helpful.

Final Tips from My Experience

  • Start small and increase savings gradually.
  • Don’t stress if you miss a day — just get back on track.
  • Use the saved money for a meaningful goal to keep motivation strong.
  • Reflect on how the challenge changes your spending and saving habits.

Starting the 100 Day Savings Challenge was empowering, and with the right approach and tools, it can be for you too!

Author Profile

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Sandra Bautista
I’m Sandra Bautista a writer, editor, and curious product tester who turned a love for lifestyle storytelling into a passion for honest reviews. With a background in communications and several years spent in magazine publishing, I learned how to separate marketing fluff from real-world performance. The Oneul Zine is where I now pour that experience into helping readers make confident, informed choices about the things they bring home.

Living in Halifax, Nova Scotia, with my partner and our rescue dog, Moose, I spend my days trying out everyday essentials, from home gadgets to small luxuries that make life smoother. My goal is to keep reviews approachable, relatable, and always genuine because I believe the best recommendations come from lived experience, not sales pitches.