We'll Tell You - A&W Couple's Blog

A New Year, A New Habit Welcome to 2025! This year presents a fresh opportunity to transform your financial habits. We often find ourselves caught up in spending on non-essentials, while saving takes a back seat. But what if 2025 could be the year you finally establish a robust savings habit? Whether it's for emergencies, future goals, or simply peace of mind, now is the perfect time to take control of your finances. Capitalizing on the buzz around TikTok’s Filipino Savings Challenge, we’re bringing back this popular trend with a renewed focus on building solid financial habits. Our approach is simple: save incrementally each week until saving becomes second nature. No complex investment strategies—just straightforward saving. Why Saving is Crucial for Filipinos Filipinos are known for their resilience and ingenuity, but saving can often be a challenge due to rising living costs, unexpected expenses, and the desire to enjoy life. Without savings, we leave ourselves exposed to finan...

Planning your dream trip? Exciting times await, but let’s talk about a crucial first step – creating a budget. Fear not, we've got you covered! By the end of this guide, not only will you be a budgeting pro, but you'll also have access to a handy tool – our f ree Travel Budget Google Sheets . Ready? Let's dive in! A Step-by-Step Guide to Creating a Realistic Travel Budget | Free Google Sheet Template Step 1: Define Your Travel Style and Priorities Before crunching numbers, think about your travel style. Are you a luxury traveler, a budget backpacker, or somewhere in between? List your priorities – whether it's exploring local cuisine, staying in comfortable accommodations, or splurging on activities. Step 2: Research Destination Costs Each destination has its own cost factors. Research accommodation, transportation, food, activities, and miscellaneous expenses. Realistic estimations help prevent budgetary surprises. Step 3: Calculate Transportation Costs Consider flight...

Hey 2019! Few more weeks and it is 2020!  We are tired of hearing and reading the "back to reality" mentality! Why? every vacation, every good food you intake, every spa or massage you you enjoyed, well you deserved it all!  I, you and we work for it. Sacrificed for it. And most important of it all, we saved for it!  So here is the video how we afford our yearly travels and escapades.. Stop the "back to reality" mentality and let's all save for our well deserved travel, vacation and relaxation!  "DOWNLOAD YOUR FREE 52-WEEK CHALLENGE TEMPLATE HERE " "DOWNLOAD YOUR FREE 12-MONTH CHALLENGE TEMPLATE HERE " How to use it: 1. Download the excel file. 2. Key-in the amount you want to start with.(inside yellow box) 3. Print 4. Write your GOAL.   5. Post on room's wall. Write your "GOAL" on top of the paper because as you put why you aim for that target it will surely drive you to sta...

Hey! Hello December! Few weeks more 2016 will come to its end.  How was your 2016? We hope it is great and your time is used to invest in yourself to achieve your target goals in this year. As we are nearing to start 2017, it will be nice(good) to start a habit of saving. Right?  Last year (2015), we used the method of 52-week challenge and due to the excitement and fun it brought to us, we continued it this year and we set in for a higher value. That 52-week challenge will serve as our "Fun Fund" for 2017. To give back, we enhanced our 52-week challenge template to accommodate our readers' requests. How to use it: 1. Download the excel file. 2. Key-in the amount you want to start with.(inside yellow box) 3. Print 4. Write your GOAL.   5. Post on wall. "DOWNLOAD YOUR FREE 52-WEEK CHALLENGE TEMPLATE HERE " Write your "GOAL" on top of the paper because as you put why you aim for that target it will surely drive you to stay and fini...

ABBEY: Before the year 2015 came, we already finalized our plan to take the 52-week challenge. It is to save specific amount of money each week. But first goal must be set first. The money we'll collect is to fund our California and Disneyland trip. We only need small budget as we will stay with our relatives. The US escapade was halted due to some unexpected hurdles along the way but that didn't deter us to complete the challenge. We started with 1SGD and increments of 2 dollars after. We want it to be fun so when we're drafting the plan, we went back to 1SGD at the half of the year. This made that the highest contribution per week is a little more than 50SGD. More than that, then it'll be a burden for us. We want to enjoy it as time goes. Sometimes, if I gave 10SGD for 5SGD collection, nothing comes back. My wife is telling that "our" bank doesn't give change :) We also put money we got from Chinese New Year packets or changes in our pockets. ...