2026 Money254 Savings Challenge: The 20 Bob Challenge

In 2025, we ran a successful 10 Bob Savings Challenge that helped more than 600 people save over Ksh30 million. This money supported emergencies, sinking funds, and purchases like electronics, and even helped many people finance their festive season with ease.

This year, we are taking things a notch higher with an upgrade to the Ksh20 Bob Challenge.

The Concept

The goal is to keep your momentum by increasing your savings steadily with the 20 Bob Challenge.

On January 1st, you start by saving Ksh20, then increase the amount by Ksh20 every day. On January 2, you save Ksh40, on January 3, you save Ksh60, and the pattern continues until the end of the month.

At the beginning of each new month, you reset the daily savings but start Ksh20 higher than the previous month. February 1 starts at Ksh40, March 1 starts at Ksh60, and by December 1, you will start at Ksh240.

If you stay consistent, by the end of January, you will have saved Ksh9,920. By the end of the first quarter, you will have Ksh29,760. By mid-year, your savings will be Ksh65,560, and by December 2026, your total savings will be Ksh155,100.

This amount could be higher depending on the returns offered by your preferred savings vehicle, which could be a money market fund. (Check below for the full table showing how your savings will grow throughout the year.)

Also Read: 2026 Money254 Savings Challenge: The 10 Bob Challenge

The 20 Bob Challenge is not intended to replace any existing savings plan you already have. Its purpose is to demonstrate the power of consistency and, for our community, to build on last year’s 10 Bob Challenge. (We have a new 10 Bob Challenge this year, check it out here.)

Ideally, the money should come from your regular expenses budget. Look for areas where you can free up an extra Ksh20. Skip a snack, walk instead of taking a short ride, choose a cheaper meal, negotiate for a better deal, then increase the saved amount by Ksh20 every day until the month's end.

You have full control over where you save and how you use your money. We would, however, love to hear your experience, as the Money254 fraternity will also be participating. You can join the WhatsApp community here.

This challenge is meant to build both financial discipline and a sense of community. You will join a group of like-minded savers, stay motivated, and work together toward achieving your financial goals.

Also Read: 6 Money Habits to Leave Behind in 2025

Why Participate in This Challenge

1. Master financial discipline. Saving daily helps you build habits that last well beyond the challenge.
2. Become part of a supportive community. You will be surrounded by people who encourage, motivate, and share tips, wins, and lessons throughout the year.
3. Explore savings and investment opportunities. As your savings grow, you will have a chance to learn ways to invest and maximize returns.

How It Works

1. Start small. Begin on January 1st with Ksh20. Increase the daily amount by Ksh20 and watch your savings grow as your consistency strengthens.
2. Monthly growth. Each new month begins with a higher daily starting point. February starts at Ksh40, March at Ksh60, and the trend continues throughout the year.
3. Track your progress. Stay focused by recording your daily savings. Join the Money254 community and share your progress using the hashtag #Money254Challenge to inspire others.
4. Grow your money. Every quarter, we will highlight investment opportunities to help you maximize your returns.
5. Celebrate your success. By December, you will have saved Ksh155,100.

Are you ready to make 2026 a year of financial growth? Sign up for the Money254 Savings Challenge, join our WhatsApp community here, and watch your financial discipline and savings grow throughout the year. Let this be the year you take control of your financial future.