We would all love to go through life without ever worrying about money, I definitely would for sure. I have a few financial goals for this year which include being debt free, saving more and creating an investment portfolio among others and a money saving challenge guide like the one below will certainly go a long way in helping me achieve my goals. It is important to know where your money is, how you are spending it and what debts you have. Many people are unaware that they can refinance debts like student loans with financial organizations and save themselves some money in the process. So go on create your own personalized money challenge using the guide below for 2017 it is never too late or early for that matter to start understanding and organizing your financials.