Say. Did you know that July is National Savings Month? No? Well, it is.

Now you may be thinking, “nice thought but, um, who has money to save?” Right? Ahem. Well, we think pretty much most people do. And we want to challenge you to find some.

So, here it is:

22 days, seven ways to Get Your $ Together.

We’ve got a collection of challenges that we think will help you find more money. Choose seven of them and complete them in 22 days.

You’ll be in good company – we’ve roped in some of our celeb and blogger friends: Deep Fried Man, Marc Ashton and his team at MoneyWeb, Dax Villanueva, Tibz Motsoane, Candice-Lee Kannemeyer, Rafiq Phillips and Tanya Kovarksy will be sharing their successes and failures, thoughts and observations as they go. It would be awesome if you do the same. Let us know how much money you find or save on each challenge, and how much $ you got together at the end of them all.

Challenges:

GY$T Go carless

Go carless.
Walk/cycle/bus/train/Uber to work for a week instead of driving. Compare that to the total cost of driving* (including car insurance, repayments, maintenance, petrol and parking).

GY$T Put the “sure” into insurance.

Put the “sure” into insurance.
Get competitive insurance quotes and see how much less you could pay.

GY$T Subscription subtraction.

Subscription subtraction.
Cancel or reduce a subscription (or three) that you wouldn’t miss: DSTV, gym, magazines, gaming, streaming services or data (e.g. go from uncapped to capped), etc.

GY$T Decellerate

Decellerate.
For your cell phone airtime and data, compare what you’d be paying if you changed from contract to prepaid, or vice versa.

GY$T Lunch deloaded.

Lunch deloaded.
Pack lunches for a week instead of buying them. Compare that cost with what you normally spend on food*. (Or, make coffee at home and work instead of buying it).

GY$T Happy snaps.

Happy snaps.
Take a picture of the thing that made you happiest today or this week, and the thing that was most expensive. Tomorrow or next week, do more of the happy and less of the expensive.

GY$T Spring clean.

Spring clean.
Sell stuff you don’t use anymore, or give it away. (Or find another additional income, regular or once off).

GY$T Find something free.

Find something free.
Do something free (or cheap) for entertainment and compare that to what a meal or night out would have cost.

GY$T No-spend Sunday.

No-spend Sunday.
One Sunday, don’t spend a cent. Cook from your pantry, read a book, go for a hike… and compare that with what you might have spent on a normal Sunday*.

GY$T Cash it to cap it.

Cash it to cap it.
On a night out, decide what you want to spend and only take that much cash (no cards) so you can’t keep spending.

GY$T - Coin jar.
Coin jar.

Put any spare change that comes your way into a jar for 22 days and see how much it comes to at the end.

GY$T - Bust your bank fees.

Bust your bank fees.
Calculate what you’re actually paying in bank fees* (including ATM fees, interest and other charges). See how you can bring it down (stop using other banks’ ATMs? Change to a different account, or bank?).

GY$T - Pay yourself first on payday.

Pay yourself first on payday.
Put a few hundred bucks into a loan or savings account or investment and see if you even miss the money later in the month.

GY$T - Groovy Gift

Groovy gift.
Make a gift for someone rather than buying it. (If there’s no gifty occasion this month, bank it.)

*Easy to work out if you use 22seven. Just saying.

Choose your challenges and use #GYST to share your progress.