The penny challenge works because of the small incremental changes involved. Just about anyone can afford to save a penny or two. After a while, the amount snowballs into a real chunk of change.

If you’ve been around Fun Happy Home for a while, you might remember my post about the 365-day penny challenge. Today, we’re taking it to the next level with a tool that makes saving even easier.

You could build an impressive cash pot worth £667.95 by Hogmanay if you follow the daily or monthly guide to the ‘one penny savings challenge’. January is the perfect month to begin saving ...

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