Set a Reminder: Schedule a weekly reminder on your phone for every Wednesday. This will help you remember to check the temperature and any additional weather conditions.

Once Per Week: Every Wednesday, look up the highest temperature forecasted for your area. Whatever that number is, that’s how much you save for the week. For instance, if the forecast says it’s going to be 98 degrees, you save $98. However, if it’s a cold winter day and it’s zero or below, you don’t have to save a dime.

This unique approach adds an element of surprise and makes saving money as unpredictable as the weather.

Adding Extra Savings: To add a twist to this challenge, incorporate savings based on specific weather conditions:

Rainy Days: If rain is forecasted, add an extra $5 to your savings.

Snowy Days: If snow is predicted, add an extra $10.

Sunny Days: On particularly sunny days, consider adding an additional $2.

Windy Days: If the forecast includes high winds, add another $3.

These extra savings can quickly add up and make the challenge more engaging.

Customize the Challenge: Feel free to tweak the rules to better suit your financial goals. The challenge should be fun, not stressful.

If the temperature-based amount seems too high or low, you can adjust the challenge to suit your financial situation. For example, you might set a minimum and maximum savings amount to ensure it stays within your budget. You can also save in cents and not dollars or set your savings based on how close the temperature is to 100 on hot days if you live in a hot part of the country.

The key is to make the challenge flexible enough to fit your needs while still keeping it fun and engaging.

Save the Amount: Transfer the dollar amount of the temperature into your savings account, plus any extra amounts based on the weather conditions. You can do this through your bank’s app, a transfer to a savings jar, or any other method that works for you.