Believe it or not, it's time to start saving for the holidays. Gifts, travel, parties -- these expenses creep up on you fast, so you want to prepare as soon as you can (and that means now). To help you save, this month we're challenging you to cut back on a common splurge: Restaurants.

Readers, this month we've challenged you to save your spare change, and believe it or not, we're almost halfway through July. We've rounded up some creative ideas to help you stay motivated during the second half.

Now is the time to start saving up for all your inevitable holiday spending, and this month's challenge encourages you to do just that. Let's keep our change.