This Low-Effort 7-Day Savings Challenge is Actually Useful and Fun

Disclosure: We’re letting you know that this post contains sponsored links which The Smart Wallet receives compensation for, which may impact their order of appearance because talking about money should always be an honest discussion.

Finances can be overwhelming, and let’s face it, not everyone spends the time to really look at their money. Nor do they want to make spreadsheets and line item everything right? Boring.

But it’s more important than ever to be on top of your money, to fully be in control, and honestly, it’s really not that hard. Plus, it can actually be fun!

We like breaking things down into manageable tasks so here’s a 7-day savings challenge that you can spread out over *spoiler* 7 days to help get your finances on track.

Day 1: Let This Finance App Do All the Work to Save $720/Year

We love apps that can do the heavy lifting for us. In this case, it’s Truebill, a free money management app that’s like your personal financial assistant. It groups all your banking accounts together so you can see the ins and outs of your money. Plus, it helps you budget even if you don’t know how to.

It’s simple:

  1. Download Truebill for free
  2. Link your bank accounts and credit cards so Truebill can analyze transactions (it’s secure and read-only access!)
  3. You’ll get monthly reports of your spending and how it changes over time


  • The app finds all your recurring bills and subscriptions (even those you forgot about)
  • Helps lower your bills by 20% (Truebill negotiates for you)
  • The app also helps you start budgeting and set up auto-savings too

Day 2: Start Building Credit for Free (And Never Pay Monthly Fees)

Canva & Chime

It’s time to upgrade where your money lives with Chime, an award-winning financial app with absolutely no monthly fees (yes, seriously), and savings at 0.50% APY1 — which is 8x2 the national average!

Their SpotMe feature lets you continue with a needed transaction even if you overdraft. That extra $20 you needed for groceries? No worries, Chime will spot you up to $200.3

Plus, get access to Credit Builder, a valuable free option for members that want to build their credit easily and safely just by using their everyday purchases. There’s no credit check to apply!

No minimum balance requirement, no foreign transaction fees, and it’s FDIC-insured up to $250,000. Get paid up to 2 days earlier** too since Chime processes your employer’s deposit immediately, giving you access quicker than traditional banks.

Day 3: Cancel Your Car Insurance and Use This to Save $610/Year

Set-it-and-forget-it is nice sometimes, but not for car insurance. You could be overpaying on your policy, especially if it’s been more than 6 months since you last checked.

Search for quotes easily on EverQuote where they help match you amongst dozens of regional agencies and insurance carriers to find the best options for you to save.

It literally takes less than 4 minutes to fill out the form (info about yourself and driving record) to get their top choices. EverQuote can save drivers up to $610 a year on average* so we think spending a few minutes of your day to check is well worth it.

Day 4: Here’s $10 to Invest in the Legal Cannabis1 Industry. No Experience Necessary.

With daily news about stocks and crypto, have you started yet? You don’t have to be rich and it doesn’t have to be complicated.

Stash, an investment app, lets you start investing with as little as $1. You can choose where to put your money, and they’ll provide guidance and tools to help. You can invest in some of the major companies that you regularly use to make a custom Personal Portfolio.

You can even invest in the legal cannabis industry which is big business as retail sales are projected to hit $70 BILLION by the end of 2028.* 

Plus, with Stash Growth and Stash+, you can also choose the Smart Portfolio option which offers hands-off stress-free investing based on your risk tolerance. Also, you can claim bonus stock when you attend Stash’s virtual Stock Parties!2

It takes less than 2 minutes to get started and they’ll even give you $10 to start investing when you sign up and deposit $5 or more into your Personal Portfolio.

Paid non-client endorsement. See Apple App Store and Google Play reviews. View important disclosures.

Day 5: Turn Your iOS Screen Time Data Into Money

Utilize your most-used tech to generate some money to sock into savings or to make extra fun money. Just share information on how you use your iPhone and get rewarded with the MSR app.

MSR uses simple “video tasks” instead of boring surveys. A 2-minute video task pays out as much as an average 20-minute survey on other platforms. Legit and easy.

You’ll earn points and redeem free gift cards from 40+ brands including Amazon, VISA, and more. Or you can earn straight cash via PayPal. Plus, it’s free to join! 

Within the first 4 weeks, members have earned more than $20 in rewards with minimal effort. There are also surveys and other earning opportunities available.

For extra rewards, refer friends to earn 40% of everything they get for passive earning!

Day 6: Ask This Company To Help Pay Off Your Credit Card Debt (Up to $50,000)

@nardly | Unsplash

Debt sucks but make sure it doesn’t get to Squid Game level debt.

If you have credit card debt of $50,000 or less, then AmONE can help by matching you with a low-interest loan to pay off all your balances.

This will leave you with just ONE bill each month, making it easier to manage as well as benefiting from a lower interest rate. AmOne starts at just 2.49% APR compared to credit cards that can go as high as 36%!

The lower the APR, the less interest over time you have to pay back which means getting out of debt even faster giving you breathing room to save. Plus using AmONE has no credit score impact and repayment periods are flexible.

It only takes 2 minutes to check and you can get the funds as quick as 1 business day.

Day 7: Sign Up for This Free Survey Company To Start Earning Up to $20 Per Survey 

Companies are always looking for feedback to improve their products so get paid for just giving your honest opinion!

Just sign up for Survey Junkie (it’s free!), and join over 20 million members already earning cash. Completing a survey earns you 20 to 100 points. Each point is worth one cent, and when you hit 500 points (or $5) you can cash out, which is one of the earliest cash out points we’ve seen!

Redeem for popular online gift cards, Paypal cash, or bank transfer.

It only takes a few minutes to join Survey Junkie and you’ll earn your first 100 ($1 value!) points just by creating an account and verifying your email address. Earn even more when you take more surveys.

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC.

1Chime SpotMe is an optional, no fee service that requires $500 in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency, and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. SpotMe won’t cover non-debit card purchases, including ATM withdrawals, ACH transfers, Pay Friends transfers, or Chime Checkbook transactions.

2Early access to direct deposit funds depends on the timing of the payer’s submission of deposits. Chime generally posts such deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date.

3The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of November 1, 2021. No minimum balance required. Must have $0.01 in savings to earn interest.

4The average national savings account interest rate of 0.06% is determined by FDIC as of November 1, 2021 based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Visit to learn more.

*EverQuote’s individual savings, if any, and premiums will vary by customer. Savings amount based on countrywide survey of users from Nov 2018 to Apr 2019 who reported old and new premiums.