We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
2026 - 52 Week Envelope Challenge
LittleMissDetermined
Posts: 10,081 Forumite
Save £1378 in 2026!
Welcome to the '2026' 52 week envelope savings challenge!
This challenge ran the last couple of years and I have been asked to set it up again for 2026. It can really boost your savings pots and help with paying for Christmas, or a family holiday...anything you like really! It can be done wither with actual cash or virtually onlineWhat you will need for the physical challenge:
- 52 envelopes (the small cash envelopes are ideal)
- A safe place to keep cash such as a safe or lock box for example
- Cash
- A dedicated savings account/pot OR
- A spreadsheet/tracker to identify the money in a cumulative savings account
- A means of selecting a 'random' week number if you're adding money randomly
Don't forget to bookmark this thread to make it easier to find!
How it works:
Take 52 envelopes and label them from week 1 to week 52, or a handy tracker like you can find in the link a few posts on.
Throughout 2026 we will be adding money in £'s equivalent to the numbers on the envelopes.
At the end of the year you will have saved £1378 to use for whatever you like.
Each week, add a post with which envelope you've filled and I will update the tracker spreadsheet. It is helpful if you can add it with your number in bold to make it easy for me to keep track
Filling order is optional!
- Consecutively (forwards or backwards) 1-52 or 52-1
- Randomly by picking an number each week and adding that amount
- Alternately selecting 1, 52, 2, 51, 3, 50, 4 etc which evens it out across the year
- Equally by adding £26.50 each and every week
Life gets in the way...PADding is addictive...Saving's better than spending...
My savings diary - Now for a healthier, wealthier me
2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
EF £1000/£1000 | Sabbatical £4055/£6000
1
Comments
-
2026 - 52 week challenge roll call
#01 LittleMissDeterminedLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4055/£60000 -
Spreadsheet of amounts paid in 2026
https://docs.google.com/spreadsheets/d/14SiMlrMnnyPKrtyXtGboOqiAPImImBofC_tLt12v2tM/edit?gid=1262106362#gid=1262106362
When you post with your updates, I will add them to this trackerLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4055/£60000 -
Here's a handy tracker to print out and complete as you work through the challenge
https://docs.google.com/document/d/18qa3xzk4zQtyQ11i3Gk0ta0tJ8NRFEU_bsNgu3DAFEQ/edit?tab=t.0Life gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4055/£60000 -
Thanks @LittleMissDetermined for the new thread. Im in! Happy holidays
Challenges
NSD - Dec 5/10
Pay off all your debts by Christmas 2025 #7 £6,500/£6,500 - All gone, paid off.
52 Week Envelope Saving Challenge #7 £1,378/£1,378 -(52/52)
The Save £12k in 2025 challenge #4 £12,317/£30,500
2025 Mortgage-Free Wannabes #61 £35,801.82/£38,000
Mortgage - Jan 2025 £75,600-Current bal £36,851.26 Target MF - Jun 26, 196 days away.
Loan - Jan 2025 £4,095 - Current balance £1,288
"Look after the pennies and the pounds will look after themselves"
0
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.8K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.7K Spending & Discounts
- 245.9K Work, Benefits & Business
- 602K Mortgages, Homes & Bills
- 177.8K Life & Family
- 259.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards