Hi,
I would just like to say that I did this. I started in January 2018 and did the reverse penny challenge. It is the opposite of the penny challenge. On the first of January 2018 I started with 365 pennies, then 364, 363 etc. It is quite tough to start with as it adds up to a lot of money. However I think it gets easier as the year goes on, rather than harder, that this is the best way to go. Once I got to June I decided to do it monthly as the money needed became easier . I created an Excel spreadsheet and ticked off each day as I went along.
So here I am 365 days later and with £667.95 in the bank
I did have a major glitch in March when my gearbox died and needed replacing but I managed. I took a little break and started again when I could. The thing was that I had committed myself to doing this and that nothing would get in the way.
Holly crap I did it