The concept of savings challenges is not new to me. I discovered the “savings challenge” method approximately 10-12 years ago when I needed to save money by a certain date for moving expenses. This method was extremely effective for keeping me on track, as well as help me to achieve my goal within a specific timeframe. After having a great first-time experience, I continued using different variations of challenges for things like Christmas shopping money, money to splurge on myself for my bir...