This saving challenge is known as the Snowball Effect. Each month corresponds to the amount you need to save in your envelope. You begin with R100 in January, then R200 in February, R300 in March, R400 in April, R500 in May, and so on. The challenge gets its name because you start with a small amount and gradually increase it, just like a snowball gathering more snow as it rolls. By the end of the year, you will have saved R7,800. Alternatively, you can start in December with R1,200 and decrease the amount each month.
When you purchase this challenge, you'll receive a clear rose gold 6-ring binder, a snowball visual tracker, and 12 zip envelopes personalized for each month. Remember, it's never too late to start saving. Begin small and gradually increase your savings you'll never regret being responsible with your finances.
