How to Save an Extra $1378 this Year

by Maria Koropecky, Wellness Coach

Since we’re heading into a new year, I thought it would be nice to share a system to save an extra $1378 in 52 weeks.

Who couldn’t use an extra $1378 in their pocket one year from now?

piggy bank.
Matthew Henry, photographer

52-Week Money Challenge

It’s called the 52-Week Money Challenge.

You may have come across this 52-Week Money Challenge system before and you may have thought it was a good idea, but for some reason you didn’t follow through. Well, it’s a new year and a new you so let’s give it another try together!

And if you have managed to save money with this challenge in previous years, please let us know in the comments and share your tips on how to be a successful saver!

In my coaching conversations, I talk about practicing self-care often and saving money is part of a healthy Financial Self-Care plan. I highly recommend getting into the habit of paying yourself first and tucking away some money for your future!

Anyway, I’m planning to follow this 52-week Money Savings Challenge myself each week for the next 12 months and I’m inviting you to join me. It’ll be fun!

Instructions

There are 3 different ways that you can participate in this 52-Week Money Savings Challenge so don’t feel like you have to follow it to the original letter (Option #1) to be successful.

Option #1 — Original Method

  • Week: 1, Deposit: $1, Account Balance: $1
  • Week: 2, Deposit: $2, Account Balance: $3
  • Week: 3, Deposit: $3, Account Balance: $6
  • Week: 4, Deposit: $4, Account Balance: $10
  • Week: 5, Deposit: $5, Account Balance: $15
  • Week: 6, Deposit: $6, Account Balance: $21
  • Week: 7, Deposit: $7, Account Balance: $28
  • Week: 8, Deposit: $8, Account Balance: $36
  • Week: 9, Deposit: $9, Account Balance: $45
  • Week: 10, Deposit: $10, Account Balance: $55
  • Week: 11, Deposit: $11, Account Balance: $66
  • Week: 12, Deposit: $12, Account Balance: $78
  • Week: 13, Deposit: $13, Account Balance: $91
  • Week: 14, Deposit: $14, Account Balance: $105
  • Week: 15, Deposit: $15, Account Balance: $120
  • Week: 16, Deposit: $16, Account Balance: $136
  • Week: 17, Deposit: $17, Account Balance: $153
  • Week: 18, Deposit: $18, Account Balance: $171
  • Week: 19, Deposit: $19, Account Balance: $190
  • Week: 20, Deposit: $20, Account Balance: $210
  • Week: 21, Deposit: $21, Account Balance: $231
  • Week: 22, Deposit: $22, Account Balance: $253
  • Week: 23, Deposit: $23, Account Balance: $276
  • Week: 24, Deposit: $24, Account Balance: $300
  • Week: 25, Deposit: $25, Account Balance: $325
  • Week: 26, Deposit: $26, Account Balance: $351
  • Week: 27, Deposit: $27, Account Balance: $378
  • Week: 28, Deposit: $28, Account Balance: $406
  • Week: 29, Deposit: $29, Account Balance: $435
  • Week: 30, Deposit: $30, Account Balance: $465
  • Week: 31, Deposit: $31, Account Balance: $496
  • Week: 32, Deposit: $32, Account Balance: $528
  • Week: 33, Deposit: $33, Account Balance: $561
  • Week: 34, Deposit: $34, Account Balance: $595
  • Week: 35, Deposit: $35, Account Balance: $630
  • Week: 36, Deposit: $36, Account Balance: $666
  • Week: 37, Deposit: $37, Account Balance: $703
  • Week: 38, Deposit: $38, Account Balance: $741
  • Week: 39, Deposit: $39, Account Balance: $780
  • Week: 40, Deposit: $40, Account Balance: $820
  • Week: 41, Deposit: $41, Account Balance: $861
  • Week: 42, Deposit: $42, Account Balance: $903
  • Week: 43, Deposit: $43, Account Balance: $946
  • Week: 44, Deposit: $44, Account Balance: $990
  • Week: 45, Deposit: $45, Account Balance: $1035
  • Week: 46, Deposit: $46, Account Balance: $1081
  • Week: 47, Deposit: $47, Account Balance: $1128
  • Week: 48, Deposit: $48, Account Balance: $1176
  • Week: 49, Deposit: $49, Account Balance: $1225
  • Week: 50, Deposit: $50, Account Balance: $1275
  • Week: 51, Deposit: $51, Account Balance: $1326
  • Week: 52, Deposit: $52, Account Balance: $1378

Option #2 — Random Method

Option #2 uses the same chart as above, but instead of following the incremental order as outlined, you can pick any amount from the list and deposit that amount during any given week. You may want to get some of the bigger ones out of the way early so they don’t all pile up at the end and stop your progress. Just remember to check them off as you go!

Option #3 — Equal Installments Method

Option #3 is perhaps the easiest option of the them all. Some people stop doing the 52-Week Savings Challenge part-way through because they forget which week they’re on and how much they’re supposed to deposit at that time.

The answer is depositing the same amount into your savings account each week, every week. No pressure, no guesswork. In this case, if you still want to go for having an extra $1378 at the end of the year, just deposit $26.50 each week (or $1378/52 weeks) like clockwork for 52 straight weeks!

Whatever option you choose, have some fun with this. Remember you’re a creative and resourceful human being — you can find this extra cash if you keep your eyes open!

But if you happen to miss some weeks, that’s OK. Just pick up where you left off and keep going. Even a fraction of the $1378 is better than nothing!

Photo by Shopify Partners

Tips to Save Money

First of all, in order to start saving money on a regular basis, it’s important to have a safe place to keep your cash. You can open up a designated Savings account at your bank. You can also save your cash in a special jar at home.

Just make sure you know your opening balance in your Savings account or piggy bank before you start adding cash so you know your starting point and then watch your savings grow from there!

Some experts suggest moving 10% of your paycheques into your savings account each time you get paid before you spend it anywhere else. You can set this up automatically with your bank.

You can also slide a certain dollar amount or percentage over to your savings account every time you use your debit card.

Also, if you get paid in tips, (which is free money in a way) try salting those coins and dollar bills away instead of spending them.

Another savings trick is to pay cash for everything. It’s old school but it may help you be more conscious of where you’re spending your money and how much you have on hand. Also, anytime you have some change leftover from your cash purchases, set it aside as well!

With cash, you also save your money because you’re not paying interest charges on top of the original purchase price for years on end on your credit cards. Why pay unnecessary bank charges?

Another savings tip comes after you buy something on sale. You know how your receipt often says, “You saved X-amount of dollars on your purchase?” Well, if you want, you can quickly move that same X-amount of dollars into your Savings account right after your shopping trip and actually save the money before you spend it on something you don’t really need. And then you’ve actually saved the money the store said you did!

If you’re starting with me today, you have until end of day on Saturday, January 5, 2019 to make your first deposit. Of course, you can start this anytime of year.

During this first week, think about what you’d like to do with your cash in 365 days. Knowing the why behind your effort and commitment to saving your money will help you stay focussed on your goals.

So, what is your intention for saving this money?

  • Are you saving money to go on a trip?
  • Are you paying for your own upcoming wedding?
  • Are you planning to put the cash towards a downpayment on a house or car?
  • Are you thinking of investing in yourself by going back to school or signing up for a coaching program?
  • Do you want to give this money as a gift to someone else?

Whatever you do, don’t say you’re saving money “for a rainy day” because that’s too vague and you’ll just end up creating a bunch of rainy days.

Save for something you’re excited about having one day. In our culture, we’re all about getting instant gratification but I invite you to train yourself to think beyond instant gratification and strive for the long-term. That’s what savings is all about!

Also, please resist the temptation to withdraw from your Savings Account before the end of the year! Keep it to DEPOSIT ONLY!

Add some Sparkle to this Savings Challenge

Also, as a bonus option, if you want to add some sparkle to your 52-week money savings challenge, you can:

  • Create a Pinterest Board or Vision Board
  • Say affirmations like, “My Savings account is growing and growing each day.”
  • Wear crystal jewellery such as Amazonite, Amber, Bloodstone, Citrine, Garnet, Green Aventurine, Jade, Morganite, Peridot, and Tiger’s Eye to remind yourself of your goals.
  • Use cloves as an essential oil and in cooking because it helps with prosperity.

Please let me know if you’d like to participate in this challenge and we can help each other stay on track. I’m looking forward to celebrating with you at the end of the year next year!

Good luck! Maria

Free Crystal Mapping Sessions Available

Would you like to have some spiritual guidance on this topic? Consider signing up for a Free Crystal Mapping Session with Spa Therapist and Wellness Coach, Maria Koropecky. Email Maria to book your free Crystal Mapping Session today!

Wellness Coach Maria Koropecky.

7 Inspiring Celebrity Self-Care Quotes

by Guest Blogger, Paul Joseph from Health and Fitness Travel
and Maria Koropecky, Wellness Coach

Now a trillion-dollar industry, wellness has become a buzzword and a lifestyle of choice for many. Each day, as countless people are becoming more proactive about their health and wellness, new companies are sprouting up to serve them. With all of the choices out there, sometimes it’s hard to know what to do next to keep things fresh.

That’s why I’ve teamed up with Health and Fitness Travel to write this piece. As avid promotors of healthy living, Health and Fitness Travel, the wellness holiday specialists, explore the famous faces responsible for inspiring us to shift our attitudes towards wellness, self-care, and healthy living. From actors, to musicians, to athletes, here are 7 celebrity self-care quotes to inspire and encourage you on your healing journey.

lounging in Cali.

1) Self-Care Tips From A Friend: Jennifer Aniston

With her sparkling blue eyes and phenomenal figure, you can just tell Jennifer Aniston takes good care of herself. As a long-term yogi and an open advocate for organic nutrition, Jen promotes a wholesome diet, getting your beauty sleep, and applying nourishing skin care products daily to encourage a healthy mind, body, and soul.

“Sunday is my spa day. I usually do a little mini facial time where I just give myself a good scrub, use a mask, and then the new Aveeno hydrating facial. I leave it on overnight and when I wake up, I have that dewy, glowing, twinkling skin,” ~ Jennifer Aniston

spa treatment.

2) Music For Mental Health: Zayn Malik

A long-time sufferer of anxiety, Zayn Malik, the ex-One Direction singer, has shined a light on the topic of mental health, especially for men. After pulling out of the 2016 Capital Summertime Ball because of his struggles, this defining move opened up the conversation and lead him to the recent #ITSOKAYTOTALK campaign that has raised an alarm to the growing male mental health crisis. With the single biggest killer of men under 45 being suicide, many celebrities including Ricky Gervais, Matthew Lewis, and Harley Bonner are taking part in the campaign to give men the confidence to talk about their mental wellness. Regardless of whether you’re a man or woman, or older or younger than 45, if you’re going through a mental health crisis, please reach out to someone and get help right now. #ITSOKAYTOTALK

“This is for girls who have the tendency to stay up at night listening to music that reminds them of their current situation. Who hide their fears, hurt, pain and tears under the smiles, laughs and giggles on a daily basis. The girls who wear their heart on their sleeve. The girls who pray that things will work out just once and they’ll be satisfied. The girls who scream and cry to their pillows because everyone else fails to listen. The girls who have so many secrets but wont tell a soul. The girls who have mistakes and regrets as a daily moral. The girls that never win. The girls that stay up all night thinking about that one boy and hoping that he’ll notice her one day. The girls who take life as it comes, to the girls who are hoping that it’ll get better somewhere down the road. For the girls who love with all their heart although it always gets broken. To girls who think it’s over. To real girls, to all girls: You’re beautiful,” ~ Zayn Malik

3) Age Is Just A Number: Cameron Diaz

One of Charlie’s Angels is now a vocal advocate for the natural process of aging, stating that beauty is not just about your face… it’s about how you take care of your whole body. Her principles, accompanied by a healthy dose of science, are printed in ‘The Body Book” and “The Longevity Book.” Together, these are revolutionary wellness bibles on how to look and feel well. Her wholesome, holistic, and all-loving approach to aging is truly refreshing, especially these days where women are constantly pressured to keep themselves looking young.

“It is the responsibility of every human, not just dancers, sports stars, kids, and Olympians—to move. To embrace movement. To become movement. To live movement. Because moving can turn a regular Monday into an extraordinary start to your week. It can turn Tuesday into a quest, Wednesday into an adventure, Thursday into a triumph, Friday into a feat. No matter how you spend your days, claiming your right to MOVE is like claiming your FREEDOM,” ~ Cameron Díaz

Beach fitness.

4) Feeling Fabulous: Kate Hudson

Kate Hudson is incredibly passionate about inspiring others to lead happy and healthy lifestyles. In 2013, she started her own line of athletic wear called, ‘Fabletics’ and it has truly taken off! With her stunning and inspiring Instagram posts of her cardio and Pilates routines, it’s no surprise that Kate has inspired both men and women to ramp-up their fitness while having fun and looking fabulous, too. She’s also been known to emphasize the importance of good skin care, stating that she loves a facial massage and toner to keep her skin looking fresh and rejuvenated.

“The irony is that when we take care of ourselves first, we are in a much stronger place to take care of those we love,” ~ Kate Hudson

5) Meditation For Peace Of Mind: Russell Brand

With Russell Brands’ loud personality and flamboyant wardrobe, it’s hard to imagine him in a moment of serious quietness. After years of struggling with addictions, he realized that to recover, he needed to dig deeper within and confront the side of himself that he’d been trying so hard to cover up. With the help of meditation, the well-known comedian, actor, and activist was able to find peace. A true inspiration within this wellness revolution, he’s also the author of “Recovery: Freedom from Our Addictions” and is now helping others by sharing his story and promoting the David Lynch Foundation, which provides transcendental meditation classes to people in at-risk communities.

“You need only allow gentle hope to enter your heart. Exhale and allow hope, and give yourself some time. This is a process of change that requires a good deal of self-compassion, which is neither stagnant nor permissive. We can just start by being a little kinder to ourselves and open to the possibility that life doesn’t have to be bloody awful.” ~ Russell Brand

man in pool.

6) Serving Up The Sun Protection: Maria Sharapova

Playing tennis all day and living in the “Sunshine State” certainly have their perks, but like Maria Sharapova will tell you, you have to remember to take care of your skin health while you’re out there, too. Following sound advice from her mother, the international tennis champion grew up with a great awareness about the effects of the sun on our skin. Inspired by shocking skin cancer statistics, Maria co-founded the sun-cream brand Supergoop to encourage others that no matter how old or young you are, or where you live on our planet, the time to start wearing sun cream is now!

“I still love things that you don’t even need to pay for. Going to the beach and being around five of your friends and having a good time means so much more than going out and spending hundreds of dollars,” ~ Maria Sharapova

7) Queen Of The Green: Beyoncé

After confirmation that Beyoncé would be headlining the much-anticipated Coachella Festival this year, the ‘Single Ladies’ star went vegan. She followed a 22-Day Nutrition meal planner, a program which she co-founded with her husband, Jay Z, and celebrity trainer Marco Borges. The aim of the program was to challenge both themselves and the public to move towards a plant-based lifestyle to benefit not only personal health, but also the health of our planet. She’s a Green Leader through and through! With environmental awareness growing and the love for animals spreading, veganism has been hailed as the single biggest way to reduce our environmental impact on Earth.

“We have to care about our bodies and what we put in them. Women have to take the time to focus on our mental health — take time for self, for the spiritual, without feeling guilty or selfish. The world will see you the way you see you, and treat you the way you treat yourself,” ~ Beyoncé

So, that’s it for now. If you’d like to refresh your wellness and self-care practices with some new ideas, we hope these 7 celebrities have inspired you! Whether you’d like to fuel your body with more nutritious food, or change up your skin care routine, or become a Green Leader in your community, or lengthen your meditations, or spice up your wardrobe, or try a new sport, the important thing is to just go for it starting today!

Looking to go on a Wellness Holiday?

With offices in London, Melbourne, Manila, and Toronto, Paul Joseph is the co-founder of Health & Fitness Travel, the Wellness Holiday Specialists. For advice, guidance, and booking, visit: www.healthandfitnesstravel.com or call 0203 397 8891.

Spiritual Guidance Available

Would you like to have some spiritual guidance on this topic? Consider signing up for a Free Crystal Mapping Session with Spa Therapist and Spiritual Wellness Coach, Maria Koropecky. Subscribe to this Crystal Clear Coaching blog and book your free Crystal Mapping Session today.