I just made up my own 'calender' on an Excel spreadsheet, but I started mine from $52 for week 1, down to $1 for week 52. I'm actually not saving in the order on the sheet, but just putting into an envelope, whatever spare cash I have and marking off the appropriate $ box on my chart. For example, on Friday, I put in $14, but marked off the boxes for $3,$4 & $7 weeks. This way I should have it paid off well before the end of the year. I'm planning on using it for Christmas $, so want to have the money accumulated by October, when I usually get serious about shopping.