Although this was started as a challenge from the owner of this site, you can do your own chalenge to yourself. It's just easier when someone else puts out a challenge. I just started on my own around late November of one year and deposited my first $20.00 in December. I didn't wait for the new year. I started mine with change found around the house and deposited it into an ING account.My challenge to myself was to get at least $20. into the account each month. It could come from doing surveys, coupons, pennies savied, money found on the street, rebates, or even checks from credit card rewards. You can do by using your skills as in sewing, gardening, etc.
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