The 100 Envelope Savings Challenge
$7.99
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The 100 Envelope Savings Challenge
Pick any envelope. Save that amount. Colour it in. Each of the 100 envelopes opens to its own page with a unique motivational message and four reflection prompts — because saving is not just about the number in your account. It's about who you become along the way.
$7.99
100 envelopes. 100 messages. 5,050 saved
Most people want to save money. The intention is always there. What's missing isn't motivation — it's a moment. A small, quiet moment where you put something aside and actually feel it count.
The 100 Envelope Savings Challenge was designed for that moment. Not an app pinging you with reminders. Not a spreadsheet tracking your guilt. A space where saving becomes something you do for yourself — one envelope at a time, at your own pace, in your own way.
How it works
Pick any number. Save that amount. Colour it in.
The index grid shows all 100 envelopes at a glance. There is no order and no schedule. Pick whichever number suits your week — a big one when you can, a small one when you need to, any one when you find unexpected change in your pocket.
Milestone markers at envelopes 25, 50, 75, and 100 show your cumulative total. Tap any cell to jump directly to that envelope's page. Colour it in when the amount is saved. Watch the grid fill up.
The maths is built to encourage early momentum. Envelopes 1 through 10 total just 55. That's 10 cells coloured in — visible progress — for the cost of a few coffees. The larger amounts come later, by which point the habit is already formed.
The messages and prompts
100 unique messages. One for every step.
Every envelope opens to a dedicated page carrying a message that meets you exactly where you are. Not generic affirmations. Not motivational clichés. Words written specifically for that point in the journey — the excitement of the beginning, the discipline of the middle, the emotion of the final stretch.
Below each message, four prompts capture the full picture:
How I saved this. What I'm one step closer to. Today I'm grateful for. How it feels to save today.
Over 100 envelopes, those answers become a personal record of your savings journey — not just the amounts, but the decisions, the sacrifices, the small wins, and the moments of pride.
The savings log
Every envelope. Every amount. One running total.
The savings log tracks your progress chronologically — date, envelope number, amount saved, and a running total that only goes up. Reachable from any envelope page with a single tap. One glance tells you exactly where you stand.
What is included
- 108 hyperlinked pages
- 100 envelope templates with unique motivational messages
- 4 reflection prompts per page
- Interactive index grid with milestone markers at 25, 50, 75, and 100
- 5 Savings log templates with running total
- Hyperlinked version for PDF annotation apps such as GoodNotes, Notability.
- Print version for pen and paper. Both versions included.
- No currency symbols — works in any currency, in any country.
Compatibility
Works with a PDF annotation app, on the devices you already use
iPad and iPhone GoodNotes, Notability, Noteshelf, Noteful, Kilonotes, CollaNote, ZoomNotes, and others
Android tablet and phone GoodNotes, Samsung Notes, Noteshelf, Flexcil, Kilonotes, Penly, and others
Mac GoodNotes, Notability, Noteful, Noteshelf, and others
Windows and Surface Pro GoodNotes, Drawboard PDF, PDF Annotator, and others.
Terms and conditions
Personal use licence. Your purchase includes a licence for personal use only.
All PlannerCentric products, designs, and digital files are protected by copyright and remain the intellectual property of PlannerCentric. By purchasing this product, you agree that you will not:
- Share or distribute the files
- Resell or redistribute the files in any format
- Copy, reproduce, or modify the designs for resale
- Use any part of the product for commercial purposes
Thank you for respecting the time, creativity, and care that goes into every PlannerCentric product.
Refund policy Due to the digital nature of this product, all sales are final. We are unable to offer refunds, returns, or exchanges once your purchase has been completed.
If you experience any issues accessing your files or believe you have received an incorrect or damaged download, please contact us. We will help resolve the issue as quickly as possible so you can enjoy your purchase.
EU customers By purchasing this digital product, you expressly consent to the immediate delivery of your digital content. You acknowledge that once the download or access to the digital content begins, your statutory right of withdrawal under applicable EU consumer law is waived for this purchase.
Everything your Money needs. Nothing it doesn't.
Pick any number. Any order. Your pace.
One hundred cells, each one hyperlinked. Milestones at 25, 50, 75, and 100 show how far you have come. The grid fills up as your savings grow — and watching it fill is the most satisfying part.
Every envelope has something to say to you.
100 unique messages, each written for that exact moment in the journey. The encouragement you need at envelope 7 is different from what you need at envelope 73. This challenge knows the difference.
Not just what you saved. Why it mattered.
Four prompts on every page capture the full picture — how you saved it, what you are one step closer to, what you are grateful for, and how it feels. Those answers become a story only you could write.
One page. Every envelope. A total that only goes up.
The savings log tracks your entire journey in one place. Date, amount, running total. Reachable from any envelope page with a single tap. One glance shows you exactly where you stand.
Frequently asked questions
What's included in the download?
The digital version — a fully hyperlinked PDF designed for note taking apps such as GoodNotes, Notability, Noteful
The print version — the same pages without interactive elements, ready for any home printer. And a step by step tutorial showing how to import and get started.
Will this work on my device?
The hyperlinked version is designed for GoodNotes, Notability, Noteshelf and other PDF annotation apps. Works on iPad, android tablets and Macbook, Windows with a supported note taking app installed.
The print version works on any device with a PDF reader and any home printer. Both versions are A4 portrait and also print cleanly on US Letter paper.
Do I have to save the envelopes in order?
No. Pick any number, in any order, whenever you are ready. There is no schedule and no rules about which envelope to open next.
Are there currency symbols on the pages?
No. Every page is currency-free — there are no pre-printed symbols anywhere in the kit. You add your own currency when you fill it in, which means the kit works whether you're saving in pounds, dollars, euros, or any other currency.
How much will I save in total?
5,050 in your chosen currency. That is the sum of every number from 1 to 100.
Can I print this?
Yes. A print-optimised version without hyperlinks is included in your download. It prints on standard A4 paper.
Can I restart the challenge?
Yes. In GoodNotes or any other PDF annotation app, duplicate the notebook to start fresh. The print version can be reprinted.
Will I need to learn complicated software?
Not at all.
If you already know how to open a PDF in your preferred note-taking app, you're well on your way
Our planners are designed to work within familiar note-taking apps such as GoodNotes, Notability, Noteshelf and many more, allowing you to write, highlight, erase, duplicate pages and organise your planner using the tools you're already comfortable with
Most customers are up and running within just a few minutes.
when will I receive my order?
Your planner is delivered instantly. There is no waiting.
Once your payment is confirmed, you will receive access to the PlannerCentric Download Library — a dedicated page where everything is ready and waiting for you. From there you can download your planner.
No shipping. No delays. Just open the library, download, and begin.