Save Up to Ksh24K This December With This Ksh50 Bob Challenge

December is an expensive month for many Kenyan households. Between travel upcountry, Christmas shopping, increased food costs, end-of-year parties, and school-related expenses, it is easy to spend without thinking about January.

Yet January is often the toughest financial month of the year, given the financial demands such as school fees and rent.

This is where the Ksh50 savings challenge comes in. It is a simple, flexible savings idea built on one principle: increase your daily savings by Ksh50 every day and build a buffer before the year ends.

Because not everyone has the same income or spending pressure in December, the challenge comes in three options. You can choose the one that best fits your financial reality.

Read more: 2025 Money254 Savings Challenge: The 10 Bob Challenge

Option A: The Full 50 Bob Daily Increment Challenge

This is the most aggressive version of the challenge and works best for people with relatively stable incomes in December.

The idea is simple: Day 1: save Ksh50, Day 2: save Ksh100, Day 3: save Ksh150, Day 4: save Ksh200, and continue adding Ksh50 more each day until the end of the month. By December 31, your daily savings amount will be Ksh1,550, and the cumulative effect is powerful.

If you use this challenge by Christmas (December 25), you will have saved Ksh15,000, and by the end of the month, you will have saved Ksh24,800.

This option demands discipline. As the days go by, the daily amount can feel heavy. If this option seems out of reach, you can try these two options.

Also Read: How To Boost Your Monthly Savings

Option B: Weekly Reset 50 Bob Challenge

This option recognises that daily increases may not be sustainable for a full month. Under this version, you save Ksh50 on December 1, and increase by Ksh50 each day. By Sunday (day 7), you are saving Ksh350. When a new week begins, you reset and start again at Ksh50

With this structure, by Christmas, you will have saved Ksh4,500, and by the end of the month, your total savings will be Ksh5,900.

Even Ksh5,900 can go a long way in January. It can pay electricity and water bills, transport for the first two weeks of work or school, or reduce reliance on loans that trap many people in debt early in the year.

Option C: Step-Up Weekly Start Challenge

Unlike Option B, you do not fully reset every week. Instead, the starting amount gradually increases as the month goes on, matching the reality that people often earn more or receive money towards the end of December.

Here’s how it works:

• Week 1: Start with Ksh50, increase by Ksh50 daily
• Week 2: Start with Ksh100, increase by Ksh50 daily
• Week 3: Start with Ksh150, increase by Ksh50 daily
• Week 4: Start with Ksh200, increase by Ksh50 daily
  
  

With this approach, by Christmas, you’ll have saved about Ksh6,000, and by the end of the month, your total savings will come to Ksh8,600.

Also Read: 5 Things You Can Do Today for an Easy January 2026 During Back to School

How the challenge can help

January financial stress is experienced by many households. In some cases, households enter the new year broke, borrowing to cover rent, school fees, transport, and food. This leads to a cycle of mobile loans, penalties, and stress that can haunt the first quarter of the year.

Saving in December, even in small amounts, changes this narrative.

• Rent: Having January rent ready removes pressure and power struggles with landlords.
• School fees: Even partial fees ease the reopening rush.
• Bills: Water, electricity, and internet do not pause because it is a new year.
• Dignity: Savings reduce the need to borrow from friends, chama, or digital lenders.

Whether you end December with Ksh4,500, Ksh6,000, Ksh8,600, or Ksh24,800, you will walk into January stronger.

To maximize your savings, you can channel the money to a Money Market Fund to benefit from the power of compounding.