No-spend challenges and skipping certain purchases to accumulate savings should seem like no-brainers, but for many people, these and other money-saving challenges are as effective as going to the gym every day for a year, which is to say, not much. Read Next: How Far $750K Plus Social Security Goes in Retirement in Every US Region Find Out: Here’s How to Fix Your Budgeting Problems, According to Kumiko Love Why do some people fail at money-saving challenges? Consumer and finance experts offered some sugg ...