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4 Ways to Make Saving Money More Fun

I remember as a child pulling a dollar bill from a birthday card.  I ran to my room with it clutched in my fist.  When I got there, I carefully folded it so it would fit into the Care Bear bank my aunt had made for me.

I’m not sure that I was exactly excited about saving the money.  But I knew that later I could pull it all out, count it up, and see how many packs of baseball cards I could buy.

This post has been written by our fantastic staff writer, Jamie Jeffers.

4 Ways to Make Saving Money More Fun

If you aren’t the type of person who naturally gets a kick out of saving money, don’t worry!  There are ways to make saving money more fun…and even a bit interesting as well!  Let’s find a way that sounds like the most fun to you.

make saving money more funWhy Most People Don’t Save Money

If you’re like I use to be, you probably think that saving up money is something you’ll get to some day.  Even though you aren’t a spender, and you make sure you get the best deals when you buy things, that doesn’t mean that you’re good about keeping money in a stash somewhere.

The fact is, if you aren’t intentional about saving money, you will never do it.  I always thought I would save whatever was left at the end of the paycheck.  Do you know that story, too?  There’s never any extra, is there?!

People recommend that you pay yourself first, but that’s hard.  What if you put that money into savings and discover that you can’t cover the bills?  Or you don’t have enough to fill your gas tank on the way to school?

What you need is a new way to look at saving money.  Here are a few tricks I learned that make saving money more fun.

1) Use Your Imagination

The first thing you need to do is decide what you’ll do with your savings.  Do you want to start an emergency fund?  It’s a fantastic idea for everyone to have a rainy day fund.  Who wants to worry about money when times get tough?  Give yourself the gift of one less stresser.

  • If you’ve always wanted to take a small trip with your family, make your goal to do it debt free.
  • You’ve had your eye on a nice new couch.
  • Or you’ve always wanted to learn how to play the piano.

This fund can help you make your dreams come true.

And once you get into the habit of saving, you’ll find that it’s addicting.  It’s like a muscle that gets stronger the more you use it.  Learning to buy things debt free makes your money go farther.  It might be tough to believe when you want something now.  But paying yourself while you anticipate a purchase is actually a lot more fun than making payments on something you already own or have experienced.

It’s just a boring ol’ emergency fund, but you can already see how you can make saving money more fun, can’t you?

2) Find a Place for Your Money Stash

You might assume that you should keep your money in a bank, and maybe that’s true.  If having a good balance in a bank account is motivating for you, then do that.  But make sure it’s not too easy to move that money into your checking account the next time you get a craving for ice cream cake.

However, it might actually be more fun to keep that money in a glass jar.  Then you can see at a glance how well you’re doing!  You could also make a thermometer and color it in as you fill your account until you reach your goal.  Do a little celebratory dance whenever you drop more money in or color in the thermometer!

3) Play a Game

Keep saving interesting by making it a game.  Some people save every $5 they get.  (Not as easy to do if you rely on your debit card, but maybe it’ll get you into a better habit of using cash.)  Or make it simpler and save all the dimes you find.  You can keep them in an empty pop or water bottle.

You’ll be surprised how quickly that money adds up!

Another idea is to try to find one dollar every day.  You might dig coins from the couch cushion, skip the candy bar you wanted to buy, or convince someone to pay you a buck for doing a small task for them.  Get creative!  If a dollar isn’t enough of a challenge, try $5 instead.  (Or more!)

4) Challenge Yourself

If you are the type of person who has to win every competition (even if others don’t realize they’re competing with you!), this is the idea for you.  There are tons of money challenges out there.  

  • Try an eat at home challenge for a month.  (That should help you fill your savings account quickly if you have a habit of dining out.)  
  • Take a no spend challenge where you try to go a week, a pay period, or a month without spending money on anything but the bare necessities.
  • Or start a money saving chart challenge.  This one is fun, because it’s like a Bingo board.  It’s also pretty forgiving so you don’t quit when you’ve had a bad week.

Which of those gets your competitive motors going?  That’s probably the one for you! Stop thinking of saving money as one more obligation, and find a way to make it fun! That way, you’ll have a plan for the next bit of birthday money that comes your way!

How do you make saving money more fun?

Save Money

AUTHOR Derek Sall

Derek has a Bachelor's degree in Finance and a Master's in Business. As a finance manager in the corporate world, he regularly identified and solved problems at the C-suite level. Today, Derek isn't interested in helping big companies. Instead, he's helping individuals win financially--one email, one article, one person at a time.


  1. Right now we aren’t saving for anything in particular except for early retirement. I think the idea of maxing out different accounts is exciting on its own but i’m one those weird people.

    My son is 2 and gets super excited to put coins in his piggy bank. When we asks what he uses his money for he says, “for ice cream and fruit!” Works for me 🙂

    • Hey, early retirement works! I always contemplate it, but at 32 years old I figure it’s best for me to keep my nose to the grindstone for a little while. We’re still investing in rentals (don’t get me wrong), but I don’t have the pie-in-the-sky look on my face at work yet. 😉

  2. A mindset like that from childhood is pure DNA. For me, making savings like a game is exciting. I have to get better at challenging myself to spend even less. Thanks for this post.

    • I’m one of the few people that actually enjoys depriving myself of things…just for the pure challenge of it I guess. Saving money and investing large hunks of it gives me a bit of a high. Sounds like maybe you can relate. 😉

        • Ha! Glad I’m not the only one! 😉

  3. I couldn’t agree more with the statement that you have to intentionally save if you are going to save at all. I believe creating some sort of accountability will also motivate you to save. Whether you work with your spouse or tell a friend that you are planning to save a certain amount, they can help you stick to your goals.

    • If you can make something fun that’s typically a chore, your chances of winning improve dramatically! Plus, you’ll end up saving far more by doing it intentionally than if you try to trick yourself into saving through a tool like digit… (FYI, I’m not a fan…)

  4. Definitely making saving fun will provide better saving results. I feel like if one needs to use the jar trick, they should then move the money into a higher interest saving account at specific intervals. Keep the jar as motivation, help mitigate inflation !

    • Makes sense to me. Thanks for the added tip, MD!

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