12 Months of Savings Guide Each month brings new challenges, from the holidays and Valentine’s Day to the back-to-school shopping frenzy in late summer. So with that in mind, here are 12 ideas to help you save more and spend wisely one for every month of the year January Are you stepping into the New Year and reflecting on the spending you made on holiday presents? Pretty sure you'll be making credit card payments until the end of time? Download a 52 weeks challenge savings plan here or set up an automated weekly fund transfer to your savings account from your transactional account like what i did here. These are savings you put aside throughout the year and reserve for the holidays. You may earn a little interest if you put it in a bank. It is ok even if you put it in your biscuit tin or piggy bank. The main objective is to stash away some money so you don't end up with financial worries in December......