The penny challenge works because of the small incremental changes involved. Just about anyone can afford to save a penny or two. After a while, the amount snowballs into a real chunk of change. By ...

What difference can saving your pennies make? A lot, it turns out, if you’re doing the penny challenge. This money-saving challenge helps you put aside $667.95 in a year — or $671.61 in a leap year.

This chart below from TheLatinaNextDoor/Pinterest really puts the emphasis on 'micro' in the idea of micro-savings. It all starts with socking away just 28 cents during the first week of January.