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The Ultimate Guide to the 100 Envelope Challenge: Download Your Free Printable Tracker Here

How to Download a 100 Envelope Challenge Printable Tracker with the Numbers 1 to 100 on Them

If you are looking for a fun and easy way to save money, you might have heard of the 100 envelope challenge. This is a viral savings trend that promises to help you save up to $5,000 in 100 days by stashing cash in labeled envelopes. But how do you keep track of your progress and motivate yourself to stick to the challenge? One way is to download a printable tracker with the numbers 1 to 100 on them. In this article, we will explain what the 100 envelope challenge is, how it works, how to customize it to fit your budget and goals, and how to download a printable tracker with the numbers 1 to 100 on them.

download a 100 envelope challenge printable tracker with the numbers 1 to 100 on them


What is the 100 Envelope Challenge and How Does It Work?

The 100 envelope challenge is a way to gamify saving money. Each day for 100 days, you'll set aside a predetermined dollar amount in different envelopes. After just over 3 months, you could have more than $5,000 saved. Here's how to get started:

  • Label 100 envelopes from 1 to 100. You can be as creative with this as you wish. Some people use colored envelopes with calligraphy, others stick to classic white envelopes and a marker for numbering. What's important is that you use each number only once.

  • Put your envelopes in a container. You can either keep them in numeric order or mix them up. Many people prefer to pick envelopes randomly to make the amount they save each day a surprise.

  • Pick one envelope each day. The number on the envelope you choose is the amount of cash you should stick inside of it. For instance, you'd put $3 inside envelope #3 and $98 inside envelope #98. After you put the proper amount of money in the envelope, seal it up and place it somewhere safe.

  • Take stock of your savings. At the end of 100 days, you'll have 100 envelopes containing $5,050. That's right1 + 2 + 3 + ... + 99 + 100 equals just over $5,000.

The Benefits of the 100 Envelope Challenge

The 100 envelope challenge has some benefits that make it appealing for many people who want to save money. Some of these benefits are:

  • It makes saving money fun and exciting. You never know how much you'll save each day until you pick an envelope. It also gives you a sense of accomplishment as you see your envelopes pile up.

  • It helps you save money consistently and gradually. You don't have to save a large amount at once, but rather small amounts every day. This can make saving money more manageable and less stressful.

  • It can help you achieve your savings goals faster. Whether you want to build an emergency fund, pay off debt, save for a vacation, or invest for retirement, having $5,000 extra can make a big difference in your financial situation.

The Drawbacks of the 100 Envelope Challenge

However, the 100 envelope challenge also has some drawbacks that you should be aware of before you start it. Some of these drawbacks are:

  • It can be unrealistic and unsustainable for some people. Saving $5,000 in 100 days means saving an average of $50 per day, which may not be feasible for everyone depending on their income and expenses. Some days you may have to save more than $100, which can be challenging if you don't have enough cash on hand or if you have other financial obligations.

  • It can be risky to keep cash in envelopes. Storing cash in envelopes can make it vulnerable to theft, loss, or damage. You may also be tempted to dip into your envelopes for other purposes, which can derail your savings progress.

  • It can be inefficient to save cash in envelopes. Saving cash in envelopes means you are not earning any interest on your money, which can reduce its value over time due to inflation. You may also miss out on other opportunities to grow your money, such as investing in the stock market or opening a high-yield savings account.

How to Customize the 100 Envelope Challenge to Fit Your Budget and Goals

If you want to try the 100 envelope challenge but find it too hard or too easy for your situation, you can customize it to fit your budget and goals. Here are some ways to do that:

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Tips for Saving Money for the 100 Envelope Challenge

If you find it difficult to save money for the 100 envelope challenge, here are some tips that can help you:

  • Cut back on unnecessary expenses. Review your spending habits and see where you can save money by reducing or eliminating things you don't need or use. For example, you can cancel subscriptions you don't use, cook at home instead of eating out, or switch to a cheaper phone plan.

  • Find ways to earn extra income. You can boost your income by taking on a side hustle, selling things you don't need, or asking for a raise or a bonus at work. You can also look for cashback offers, coupons, or discounts when you shop online or in-store.

  • Automate your savings. You can set up a direct deposit or a recurring transfer from your checking account to your savings account every time you get paid. This way, you can save money without having to think about it or remember to do it.

Alternatives to the 100 Envelope Challenge

If you find the 100 envelope challenge too easy or too boring for your situation, here are some alternatives that can challenge you more:

  • The Reverse 100 Envelope Challenge. Instead of starting with envelope #1 and ending with envelope #100, you start with envelope #100 and end with envelope #1. This way, you save more money at the beginning of the challenge and less money at the end of the challenge. This can be helpful if you expect your income or expenses to change over time.

  • The 52-Week Challenge. Instead of saving money for 100 days, you save money for 52 weeks. Each week, you save the same amount as the week number. For example, in week 1, you save $1; in week 2, you save $2; and so on until week 52, when you save $52. By the end of the year, you'll have $1,378 saved.

  • The Spare Change Challenge. Instead of saving a fixed amount of money each day, you save whatever spare change you have left over from your transactions. For example, if you spend $4.75 on a coffee, you save $0.25; if you spend $9.50 on a lunch, you save $0.50; and so on. You can either save your actual coins in a jar or use an app that rounds up your purchases and transfers the difference to your savi