20 Brilliant Money Saving Challenges for Couples

Saving money as a couple doesn’t have to be boring—it can actually bring you closer together! Whether you’re saving for a dream vacation, a new home, or just trying to build better habits, turning money goals into fun challenges can make the journey feel like a team sport.

Instead of stressing over budgets, why not compete a little, cheer each other on, and celebrate the wins along the way?

Below are some creative and exciting money-saving challenges that can help you grow your bank account and your relationship at the same time.

No-Spend Weekend Challenge

Skip spending money over the weekend and find free things to do together. Go for a walk, watch movies at home, or clean out the garage. It helps break the habit of spending just because it’s the weekend.

Couples who do this can find new ways to connect without spending. It also makes you think twice about what really matters. Saving together like this can build trust and better habits. Over time, these weekends can really add up to help you save money.

To learn more: 25 Fun Ideas for a No Spend Weekend: How to Have Fun for Free

52-Week Savings Challenge

Start by saving $1 the first week, $2 the second, and so on. By the end of the year, you’ll have saved $1,378. Couples can take turns each week or match each other’s amount. It’s easy to follow and grows slowly, so it doesn’t feel hard.

This helps couples build steady saving habits. It’s also a fun way to reach a big goal together. It can teach teamwork and planning when it comes to money.

To learn more: Your 52 Week Money Saving Challenge + Free Printable

$5 Bill Savings Challenge

Every time a $5 bill shows up, set it aside. Keep it in a jar or envelope. You’d be surprised how fast it adds up. This is a simple way for couples to save without feeling pressured.

It can feel like a game between the two of you. This challenge keeps savings light and fun. Great for couples who want to save money without overthinking it.

To learn more: The 10k in 100 Days Envelope Challenge – Save to Make it Work for You

30-Day Money Challenge Reset

Spend 30 days focused on building better money habits. Cut back on spending, track everything, and check in with each other every few days – each day is a new challenge. Use this time to figure out where your money is going and what’s worth keeping.

Couples can reset how they handle money together and catch anything that’s been slipping through the cracks. It’s a solid way to take back control. This challenge helps set a strong foundation for the next money goal.

To learn more: 30 Day Money Challenge: How to Make Your Money Work For You

Spare Change Jar Challenge

Put all your coins into a jar every day. It’s easy to forget how much loose change adds up. When couples do this together, it can turn into a quiet way to grow savings. It doesn’t feel like a chore or a budget.

Just empty your pockets and see what happens over time. Use the money for a shared goal. This challenge is good for couples who like simple ways to save.

To learn more: 15 Mini Savings Challenge Printables To Save More Money

Monthly Budget Date Night

Pick one night a month to sit down and go over the budget. Make it relaxed, maybe have snacks or music in the background. Talk about spending, saving, and future goals. This helps couples stay on the same page.

It’s not just about cutting costs—it’s about making sure your money works for both of you. Doing this monthly keeps things from piling up. It builds strong habits for couples with money goals.

To learn more: 15 Red Flags When Balancing Romance with Financial Stability

Pantry and Freezer Challenge

Try using only what’s already in your kitchen for a week or two. You might find meals you forgot you had. Couples can work together to plan meals and avoid grocery trips. It helps cut waste and keeps spending down.

It’s also a good reminder to use what you have before buying more. This challenge is good for saving money fast, plus it also builds teamwork in the kitchen.

To learn more: How to Do a Pantry Challenge and Cut Grocery Expenses

30-Day Meal Prep Challenge

Spend one day a week planning and prepping meals. It cuts down on takeout and grocery runs. Couples can cook together and share the load. Prepping meals saves time and helps you stick to a food budget.

This challenge is great for couples who want to save money and eat better.

To learn more: Meal Planning 101 (plus save money each week)

DIY Gift-Making Challenge

Instead of buying gifts, make them yourself. Try crafts, baked goods, or photo albums. Couples can make gifts together or for each other.

This helps save money during holidays or birthdays, and is a bonus of adding a personal touch. This challenge is good for couples trying to keep spending low while still being thoughtful.

To learn more: Overcome Gift Regret: Experience Gift Ideas That Do Not Go To Waste

Side Hustle Challenge

Choose a side gig and see how much extra money you can bring in. Sell stuff online, walk dogs, or do freelance work. Couples can support each other or work as a team. Set a goal and track it together.

This challenge can help couples save for something big. It also builds drive and shows what’s possible with teamwork.

To learn more: Find Fast Side Hustle Ideas and Jobs to Make Money

Cash-Only Week Challenge

Try using only cash for one week. No debit or credit cards. It forces you to think about what you spend.

Couples can set a cash limit and plan together. This challenge makes it easier to spot waste, and it’s a smart way to reset your spending habits to save more.

To learn more: 24 Brilliant Cash Envelope Savings Challenge for Quick Results

Debt Snowball Race

List all your debts and start paying off the smallest one first. Race to see how fast you can knock them out. Couples can work together or compete in a friendly way. Every small win builds momentum.

This challenge helps couples with debt stay focused and fired up. It’s also a good way to support each other while getting closer to financial freedom.

To learn more: 5 Reasons NOT to Choose the Popular Debt Snowball Method

Subscription Audit Challenge

Look at all the streaming, apps, and other monthly payments. Cut out the ones you don’t really use. Couples can do this together and compare what they find.

You might be surprised how much is going out every month. This helps couples save without much effort, with a fast way to lower bills and free up money.

To learn more: 10 Ways on How to Drastically Cut Expenses Now

One-In, One-Out Shopping Rule

For every new item brought home, one old item has to go. It helps control clutter and keep spending in check. Couples can hold each other to the rule.

This keeps shopping from getting out of hand. It also makes you think before buying something new. Great for couples who want to save money and simplify.

To learn more: 175+ Simple and Easy Frugal Living Tips to Save Money

Double the Savings Match Challenge

Every time one of you saves, the other matches it. If you put $10 in, your partner does too. It turns saving into a team effort.

Couples can set a goal and watch their money grow faster. This challenge helps keep both people motivated. It’s simple, fun, and great for building savings together.

To learn more: How Much to Save Monthly – Your Savings Percentage

Thrift Store Treasure Hunt

Go to a thrift store with a small budget. See who can find the best deal or most useful item. It’s a low-cost way to shop and spend time together.

Couples can use this to practice spending less while still having fun. It also shows how to get value for less money and helpful for building smart shopping habits.

To learn more: 13 Insider Secrets to Thrift Store Shopping from an Expert

Envelope Budgeting Challenge

Use cash envelopes for different spending categories. Once the money’s gone, that’s it. Couples can plan the envelopes together.

The cash envelope system helps with sticking to a budget and seeing where money goes. It’s a hands-on way to manage spending. Good for couples who want to save and stay in control.

To learn more: The 100 Envelope Challenge: Easy and Fun Way to Change Your Life!

Skip Takeout for a Month

Say no to takeout for a full month. Cook at home and keep track of how much you save. Couples can share cooking or trade off.

This helps save a lot of money fast, builds healthy habits, and forces you to attempt cooking. A great challenge for couples with goals like saving for a trip or paying off debt.

To learn more: 100+ Frugal Meals for When You’re Broke or on a Budget

Save Your First 100k

Many couples look at saving $100k and get scared off by the idea. By saving your first $100k, you open the doors to many opportunities and jumpstart your net worth.

Saving this much isn’t fast, but with steady effort and smart habits, it’s possible. Talk through what matters most and stay committed. This is a big challenge, but it helps couples think long-term and stay focused together.

To learn more: 15 Must Know Steps to Save Your First 100K

Financial Goal Vision Board Challenge

Make a vision board with all your money goals. Use photos, words, or drawings. Keep it somewhere you both can see. This helps remind couples what they’re working toward.

It also gets both people thinking about the future – specifically your future together.

To learn more: The Ultimate Guide to Creating Money Vision Boards

Pick the Money Saving Challenge that Works for Both of You

Saving money doesn’t have to be boring or stressful—especially when you and your partner work together. The key is to find a money saving challenge that fits your goals, your lifestyle, and your relationship.

Whether it’s a no-spend weekend, a $5 savings jar, or something totally unique, the most important part is starting together.

If you’re ready to make saving fun and meaningful, follow Money Bliss for more simple, creative ways to take control of your finances as a team. You’ll find challenges that actually work—and keep you both motivated every step of the way!

To learn more: Top 20 Epic Money Saving Challenges Unveiled to Save Money

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