A Practical, Doable, and Adjustable 24-Bi-Weekly Money Challenge

It's been more than 10 years since I started working.  Like most of the young career women (and I admit to not being financially smart e...

It's been more than 10 years since I started working.  Like most of the young career women (and I admit to not being financially smart enough), a big chunk of my salary went to shopping and recreation.  A part of it went to my parents, bills and some were saved but was touched impulsively when a new model of mobile phone or bag came out.  I always said to myself a few years ago, had I known better, I would have saved at least Php 1,000.00 every pay day let's say for 10 years, I should now have Php 240,000.00 for emergency fund.

But as I always say, it's never too late to start saving (and investing, which I started doing a few years back.)!  And the best time to start is NOW!  Yes, yes, yes, NOW!  I've been seeing on different websites and blogs a lot of money-challenge savings plan.  They're all effective given your sheer determination and discipline to follow the amount to save week on week.  But as much as I want to follow any one of those versions, as a full-time working mom who gets money every two weeks, I think I cannot follow the weekly schemes with the given amount to be saved.

So, I made my own practical, doable, adjustable and customize-able 24-Bi-Weekly Money Challenge for you to follow and be richer by around Php 6,000 up to Php 60,000 by the end of the year!  This money-challenge scheme is also good for people who regularly get their salaries twice a month.

What's good about the schemes that I developed, inspired by other Money Challenge schemes, is that:

  • You could choose from Plan 20, Plan 50, Plan 100, Plan 150, and Plan 200
  • You have a summary of all these plans to choose from 
  • Once you've chosen a plan, there's a plan schedule you could follow with a corresponding amount to save and running total.  
  • A check box at the left side of the sheet for you to tick after you've tucked away to your money bank (make sure it's sealed tightly) the amount corresponding to that week.
I have another use for the check box at the left.  Isn't it there are months in a year when we're richer (I meant bonuses, special projects, commissions, or cash gifts perhaps)?  On these months, you could save the bigger amounts on the sheet and just exchange the schedule of saving on lean months.  Make sure you tick the box and make a short note.  It's really up to you how you'd want to use the sheets.  Again as I've said earlier, it's adjustable, customize-able, and very practical.  

Here are Mommy Practicality's 24-Bi-Weekly Money Challenge Savings Plan 20, Plan 50, Plan 100, Plan 150 and Plan 200.
24-Bi-Weekly Money Challenge
24-Bi-Weekly Money Challenge Plans 20 to 200

24-Bi-Weekly Money Challenge
24-Bi-Weekly Money Challenge Plan 20

24-Bi-Weekly Money Challenge
24-Bi-Weekly Money Challenge Plan 50
24-Bi-Weekly Money Challenge
24-Bi-Weekly Money Challenge Plan 100
24-Bi-Weekly Money Challenge
24-Bi-Weekly Money Challenge Plan 150
24-Bi-Weekly Money Challenge
24-Bi-Weekly Money Challenge Plan 200
So there you have it loves. Choose whichever plan that suits you.  You may even create your own savings plan if you wish.  The most important essence of this Money-Challenge is to- SAVE! SAVE! SAVE!  Start the year right!  Be financially smarter, pay yourself first.  Good luck! :)

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  1. Thanks for these cool and very practical saving options. I'll drop by your blog again once I've decided to take on this challenge. But first, I have to look for that super safe and sealed money bank. Thanks again for sharing! :-)

  2. Hello Nadia! :) Thanks too for dropping by! I started on this yesterday naman, after posting! Need to save up na talaga! :) Have a great day! :)

  3. Saan po bang branch kayo nun.. need ko po kasi nang kasya ung 120 guests thanks..

  4. Just in time for my pay day this week! Thanks to you mommy Louise! :*

  5. Nice! Very helpful nung ginawa mong savings option. Yung akin pang 10pesos lang muna bilang SAHM wala din naman sariling pumapasok na income.

    Thank you Lousie! =)

  6. do you have a minions birthday party thyme ?

  7. If you live in the US You can download hundreds of New printable coupons on this site
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  8. Hi, just wanna ask. For how many people ung inclusions nung party fee?

  9. Child and guardian counted as one or two? Thanks

  10. Depends on child's age if the child could eat the whole meal, he/she's counted as one already. But I guess kids younger than 5 is not counted. :)



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Mommy Practicality is a home and lifestyle blog that's about positive, informative, 
inspirational and helpful sharing of life experiences of a working mom 
with topics on motherhood, relationships, events, food, travel, shopping, and finances. 
It hopes to influence moms and women to realize 
that it's possible to live a quality life while choosing a practical lifestyle.

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