Okay, I've given the $20 challenge some serious consideration and here's my plan.

Tomorrow I'm going to put $20 on a gift card at Target. I think it needs to be $20 a week but I'll start with $20 for two weeks and see how that goes since the goal is to save, not spend. That's my 'at work' spending money. I don't shop there a lot but do get drinks and occasionally a snack when I'm on shift. I'll take drinks, dinner, and my snack in the attempt to spend less of that $20. What isn't spent during that two weeks goes into my savings jar. If there is none left at the end of two weeks, I won't be surprised. But this is an experiment so we'll see what happens.

By the way, I don't know if this is true at most retailers but if your Target gift card gets lost or stolen, the company will issue a new one if you have the original receipt for the card. So, if you buy Target gift cards, keep the receipts!

I'm also going to continue to put my change in the change jars, one for pennies, another for 'silver'. Once a week I take the quarters out and use those for laundry and that's a necessity so I won't change that but I'm going to not spend any of the other change and keep adding to it. Every two weeks I'll roll that and deposit it into savings.

Also, for every meatless meal I prepare and we eat, I'll add $1 to my challenge money. This won't be very easy as DH and I both are meat eaters and though we're happy to have meatless meals, he'll likely fuss if I serve too many. Right now he is eating a meatless breakfast so cha ching, there's $1! Ha ha, I just mentioned something about thawing ground turkey and he just said, "For sausage? That would go good with these eggs right about now." See?

I'm still thinking about this and will add changes as I figure them out.