A money-saving challenge is the only sure-fire fun way to save money. I know what you’re thinking: It’s not fun to put money in a bank account when you can spend it on something you want. However, saving money is key to living a financially balanced life. Plus, once you make it a habit, it no longer seems so difficult.

The hard part is turning saving money into a habit. If you’re having a hard time making it a part of your monthly financial activities, you may want to try out a money-saving challenge.

A quick Pinterest search for money-saving challenges will bring up many different choices to try. Here are a few that you can try out and some advice to make sure that you actually complete each one that you take on:

1. The Penny-a-Day Challenge

The penny challenge is simple. Save one penny on day one, two pennies on day two, and so on until the last day of the year, when you’ll save $3.65 on day 365. At the end of this challenge, you’ll have $667.95 in your bank account.

It’s amazing how much power pennies can have when you save them.

While this challenge will seem easy in the beginning, it gets tougher as the year goes on. In the first month, you’ll only have to save $4.96, but in the last month, you’ll have to save $108.50.

If you start this saving challenge at the beginning of the year, that last month will be one of the most difficult months to save money, since it includes Christmas. I don’t know about you, but November and December are always big spending months in my household. As long as you think ahead and are prepared to save — even during the holidays — this challenge should be a reasonably easy one to complete, and it will help you work your way up to saving $100 per month.

2. The $30 Money-Saving Challenge

The $30 money-saving challenge is super straight forward, but may be exactly what you need to get used to saving. Simply save $30 every week of the year, and you’ll be rewarded with a savings account with $1,560 in deposits. This challenge has the most realistic chance of being accomplished if you can get over the initial hump of saving a decent amount of money right away.

For some, saving $120 in the first four weeks can be too much of a challenge. If that sounds like you, then try the penny challenge first before graduating to the $30-a-week challenge in year two. Then, if you’re really adventurous, you can try the next challenge in year three.

3. The $2,700 Savings Challenge

The $2,700 savings challenge isn’t for the faint of heart. Like the penny challenge, the $2,700 savings challenge starts off easy. In this one, you multiply the current week of the year by two to get the number of dollars you need to save that week. During week one, you’ll only need to save two dollars. During week two, you’ll save four dollars. Eventually, when you reach the last week of the year — week 52 — you’ll save $104

This one has a similar problem as the penny challenge: The biggest month of saving is during the expensive holiday season. Since this challenge has you saving $404 in the last month of the year, you definitely need to plan ahead with this challenge, as well.

One way to make sure that you can complete the challenge without worrying about the holidays is to delay starting it. Rather than starting on the first week of the year, try starting on Week 12 or Week 24. Grab a calendar and label your start week as “Week One” and continue numbering each week until you get to week 52. This could easily help you make saving during the holiday months a bit less painful, but you’ll still have to plan to save.

If you can continue saving $404 per month after the challenge, you’ll be able to put away $4,848 each year. A little extra will get you to saving $5,000 per year!

Pick the Right Money-Saving Challenge for You!

Sometimes you just need a way to gamify your financial goals to make them happen. If that sounds like you, then pick one of these money-saving challenges and start today. In a year, you’ll take a look at your bank account and be glad that you did!