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.

24-Bi-Weekly Money Challenge Plans 20 to 200

24-Bi-Weekly Money Challenge Plan 20

24-Bi-Weekly Money Challenge Plan 50

24-Bi-Weekly Money Challenge Plan 100

24-Bi-Weekly Money Challenge Plan 150

24-Bi-Weekly Money Challenge Plan 200