Table of Contents
Introduction
Money-saving charts are tested and proven ways of creating financial goals and achieving them by saving on a periodic basis.
This technique works best for those who have struggled with money in the past or are still struggling to manage their bills, expenses, and investments efficiently.
Most of these charts are based on common budgeting techniques that ensure you plan towards unexpected or expected finance and social objectives. It is often argued that one of the most common mistakes that most people who are stuck in debt make is not planning for expected or unexpected purchases.
The key to achieving financial independence is knowing when to spend and when to save your money.
Did you know that you can save towards vacations or even pay for a new car on low income?
Do not be forced to believe the common misconception that only the affluent can be able to travel, drive new cars or wear new clothes because these are financial goals that can be achieved through proper planning.
While these money saving charts can help you save towards your financial goal they should be used with caution.
Do not save for a vacation if you have a piling amount of debt or save towards buying a new car when you can use public transport and invest your money into viable business ventures.
Always understand that the difference between affluence and poverty is in the former case money works for you while in the latter case you work for money. Wisdom is knowing when to save towards your vacation or pay your debt.
That being said, check out our list of curated, common money-saving charts that are available either in printable or downloadable format and can be edited to your preferences. All these charts are available for free.
52 Week Money Saving Chart
The 52 week money saving charts were initially created as a challenge to help people save towards financial goals in a period of one year. These types of charts take into account that one year has approximately 52 weeks. The most popular charts come with incremental or decreasing values. For instance, if you are using an incremental money-saving chart then you will begin the first week of the year saving a higher amount which reduces gradually until the last week of the year and vice versa for charts with decreasing values. The most efficient way to use this chart is to use those that can be accessed digitally and customized to your preferences. This is because not everybody has the same financial obligations or income. You should also use it to save towards a financial goal. For instance, most people use a lot of money during the holidays particularly Christmas. You can come up with the budget at the beginning of the year and save towards it. Let’s say you want to spend $1000 on Christmas gifts and parties. You can use a digital editable template to make sure that the weekly goals are tailored towards achieving this goal.

Some of these free, digital and printable 52 week money saving charts include:
Money-Saving Challenge Template
This site allows you to customise your weekly or monthly savings chart for any date range. Once you have finished customising the chart online, you can print it and track your progress. This site offers the ability to register for free and track your progress both online and offline.
Local Government Federal Credit Union
This money-saving chart is available in pdf format and can be customized to help the user save towards an annual goal of $1378. The lowest weekly saving budget is $1 and the highest is $51 as the deposits increase with $1 every week.
Reverse 52-Week Money Saving Challenge Chart
This resource comes with an extensive list of free money-saving charts which includes the 52-week money-saving chart where you save the most amounts of money during the higher spending period of the year. This chart is based on the idea that it is often difficult to save during holidays such as Christmas or Thanksgiving. In this chart, you begin the year with the largest savings goals and work your way to the smallest ones making it easier to save during periods when you have to spend the most.
12 Months Paycheck Chart
This is a money-saving chart that takes into consideration people who are paid on a monthly basis. These charts are created to ensure that you are able to save a portion of your income before you begin spending it on bills and other expenses. Most of these charts have customizable options that will enable you to input your payment date and expected income. Like other money-saving charts you need to come up with a financial objective for saving. Some of these charts implement an average money saving system where you save the same amount every month, others use the incremental or decreasing saving system where you begin with a larger or smaller amount and increase or decrease as the months go by. You need to choose a system that best works for your spending habits. For instance, if you are a big holiday spender then it is better to choose an incremental saving money chart where you begin January with a large amount and decrease the savings amount as the months go by. On the other hand, if you are a person who struggles with saving or are living paycheck-to-paycheck it’s better to use an average serving chart where you save the same amount every month.
Here are some of the free printable money saving charts that will help you save towards your goal within 12 months:
Money Bliss Monthly Savings Printable Charts
The charts offered by Money Bliss are designed in two stages. The first stages take into consideration that you might be in debt. As such they offer smaller saving challenges. This beginning stage charts include customizable printables that use your age multiplied by the number of months in a year to find your savings goal or smaller fixed goal objectives. The other later stage charts assume that you are debt-free and have higher saving goals such as $15000 or $25000 a year goals.
Unexpectedly Domestic
This site offers 15 money-saving charts running from mini-saving goal objectives like saving $689 in 12 months to bigger ones. These charts use a range of saving techniques including the traditional incremental saving mode or the reverse incremental one. The variety of charts means that you will have access to a wider range of money saving techniques that are customizable to your personal preference.

26 chart Weeks Paycheck
These money-saving charts are designed for those who have bi-weekly income. The charts divide the number of weeks in a year into two and create a structural savings plan according to tested and proven saving techniques. If you have a biweekly paycheck then you understand how difficult it is to make your income and expenses work seamlessly together. As such, it is often more difficult to save or invest towards a financial goal on such a paycheck. These money-saving charts take into account that some expenses and bills may have monthly or weekly payment limits and ensure that you are able to save towards any goal once you get your biweekly paycheck. Some of the free printable 26 week money saving charts include:
Mom Managing Chaos Money-Saving Charts
The 26-week money-saving chart provided by Mom Managing Chaos is founded on two things and they include how to improve your odds of success by paying yourself FIRST and how to save in an account to ensure that you do not get tempted to spend it on expenses or unexpected bills. The charts can be downloaded in printable format and customized to your income and preferences.
Coupon Xoo
This site provides an extensive list of free printables based on the 26-week money saving challenge available online. Most of the charts included in this list are derived from household-centric websites that focus on creating financial Management plans and courses for stay-at-home moms and dads. The printables are available in pdf format and can be customized according to your income and expenses. The site also provides the link to each blog where you get to understand the technique that was used in creating the printable chart. These principles are more tailored for household and low-income saving budgets.
52 Weeks Occasion Saving Chart
Holidays like Easter, Ramadan, or Christmas often come with huge expenditures which may add to your debt if not planned. The best part about such occasions is that they are expected. As such a savvy spender and worker should budget ahead for these expected bills. Most of the charts provided in this category are centered on the bills associated with hosting parties, catering, and gifts. While these may not seem like large expenditures they have a way of eating into your finances and putting you in more debt that expected. Having a budget and sticking to it is a wise way of taking hold of your finances. To be able to use these charts efficiently, you should have a rough idea of how much you spend on such holidays. Take into consideration how many family members you have over during the holidays, the amount of food and refreshments they need, the gifts for each of these family and friends and other unexpected expenses such as décor. Once you come up with a budget, it is often advisable to add at least 10% to it to cover for the unexpected bills that are common with such holidays.
The free printable occasion money-saving charts include:
The Life with Latoya
This site provides a Christmas money-saving printable template that will help you save towards your holidays. The chart comes in a weekly savings plan that is tailored towards an end goal. The range of money savings charts include the 52-weekly $500 money saving chart that culminates in a week before Christmas, and the 25-week Christmas savings plan that ends on the 23rd of December and helps you save $1000. The best part about these charts is that they can be customized for other holidays.
Productive Pete
This site offers a money-savings chart based on holiday expenses. The most common chart is the christmas saving chart that is offered in pdf format. All you have to do is download it, customize it to your holiday plans, and begin saving towards it to avoid any unexpected expenses.
Customizable Product Chart
Do you know how unexpected expenses such as procuring a new car can put you into debt if you have not planned for it? You no longer have to struggle to purchase a new car or the new bag that you want with this money saving chart. These charts put into consideration the cost of the product you are interested in, and factor in the length of time you are willing to save for the product and how much money you are able to save on a periodic basis. Using these charts are integral in becoming financially independent as they enable you to plan for all future purchases. The other advantage of using such charts is that you are able to procure any product you want regardless of the price associated with it. For instance, let’s say you want to buy a new car that is out of your budget or out of your reach because of your financial situation. Using these charts will enable you to spread the cost of purchasing this car thereby making it easier and more affordable for you. Do not despair if it takes longer to save the cost needed for a product. Always keep in mind that your financial independence is more important than your ability or desire to have something new that does not necessarily fit the bill of a need. Some of the customizable product templates include:
Mintnotion
This Site provides a list of 15 different saving printables that are classified as saving trackers. The trackers include a starter emergency fund, a house savings tracker printable, a college fund, vacation fund, saving for your dream wedding fund, three to six months emergency fund, clothing fund, birthday fund, Christmas fund, unicorn savings tracker, $1000 savings tracker printable fund, Valentine’s day fund, and a baby fund. All these printables can be customised according to your income and preferences. While some of them are tailored to occasions they can also be customised as product printables as they are based on the same financial idea or technique. Gain more financial freedom with his printables by planning for product purchases that may put you into debt.
52 Weeks Debt Payment Savings Chart
Debts are sinking funds that progressively destroy your financial independence and ability to survive on your paychecks as they come with incremental interests. Being able to take care of all your debts is one of the best ways of becoming financially independent. Take control of your Life by using one of these debt payment savings charts that are founded on different financial savings techniques. These charts consider your income and expenses and debts that are more expensive as their income or interests than others. Before using one of these charts you should make sure that you understand the main source of your debts.
This is because it is relatively futile to use one of these charts to pay for debts that support a lifestyle that you cannot continuously supplement. Living within your means is the best way of ensuring that you are able to become financially independent and even invest for your future. Always remember that these charts can be used whether you have a steady income or a living paycheck-to-paycheck. Most people are often discouraged by money-saving charts because they believe that they do not have enough disposable income to put towards saving. However, once you consider all your expenses and live within your means you will understand how easy it is to save towards your goal. Always live by the personal mantra that it is better to struggle now and enjoy your life later.
Some of the debt savings charts include:
Debt Free Charts
This site offers an extensive list of money-saving debt free charts that are either available at an affordable cost or free. The attached link will redirect you to a page that contains an extensive and exhaustive list of FREE money-saving debt charts. These charts are classified according to a number of common debt classes ranging from credit card payments to regular debt-free charts. You can browse through their free collection or select from their premium ones to create a tailored and efficient way of settling your debts and overcoming the cost associated with snowballing interest payments.
No More Debts
This site provides an extensive list of resources ranging from debt calculators that will show you how much you should put towards your debt savings plan to budget calculators. These resources are pretty nifty and are geared towards helping you create a more financially-independent life.
360 Degrees Financial Literacy
This site provides resources that will help you consolidate and pay off your debt. They use an accelerated debt payoff calculator that will show you how to pay off your debt in the shortest time possible. The technique that is being used is to use your consolidated loan monthly payment savings to the consolidated loan’s balance. Use the calculator to come up with an efficient debt savings plan.

Vacation Savings Chart
Saving towards a vacation goal is one of the best financial decisions you could ever make. This is because sites like Airbnb have made it quite alluring to just take the weekend off and spend some time with you and your loved ones. However, this may put you into more debt that will complicate your path to financial independence. Saving towards a vacation may seem like a luxury and not a necessity. However, not considering the possibility of having a vacation may result in you spending without any planning that may complicate your savings plan. To begin saving towards your vacation plan you need to consider some options such as what your ideal vacation is, how much you will need for transport, accommodation, excursions, and meals, and how many people you will be going with. It is also important to note that the travel industry is a volatile one and prices may go up or down depending on demand. As such, once you create a saving goal you need to add at least 10% to the end financial goal which will handle the unexpected increases. It is also important to ensure that you save towards medical insurance taking into account the possibility of becoming sick during your vacation. That being said, here are some charts that will help you create a savings goal for you and your family:
Tupennys Fireplace
This site provides weekly and monthly saving printable charts that are designed to provide an end financial goal objective.
Paper Angels
If you have little ones then you understand how Disney world can be a great destination for them. This site provides a Disney money saving chart that will help you save towards a fixed financial goal.
Conclusion
Money Saving Charts are important tools when creating your path towards financial independence. However, using them requires a high level of discipline as sometimes you may not have enough money to pay for your expenses and still save. It is also important to understand that not being able to successfully complete these money saving challenges does not mean that you are a failure or a bad planner. Life is full of challenges and we have to take them as they come. Sometimes these challenges may work against our goals and other times may contribute towards our success. Understanding this is integral in having a positive attitude towards money-saving and financial independence.
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