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How We See It

Tawny Browning

Tawny Browning

July 1, 2013

52 Week Savings Challenge
Week 1

A significant part of my job here at Texas Bank and Trust is maintaining our vast 300-plus page website. And on the homepage of our website you will find our TBT blog, “How We See It.” As the bank’s webmaster, one of my responsibilities is to make sure we have a new fresh blog about every two weeks, and believe me this is not an easy task.

Our bloggers are trusted advisors of the bank who are experts in their particular division. They are very busy individuals with their own day to day schedules and do not always have time to sit down and blog for me. I completely understand, but this predicament leaves me blogless and wondering “How in the world am I going to get a new blog to post by Friday?” By the end of the week a blogger graciously sends me a blog and it all works out.

In a meeting with my boss one Friday, I brought up the “need for blogs” topic and asked her for suggestions on how to obtain more blogs and possibly build up a reserve so I am not scrambling for a new post every two weeks. She turns to me and asks, “How about you write for the blog?” I’ll admit, I was a little surprised by her request. I mean, I am not in the loan department, mortgage, credit, new accounts or trust. I know the basics of most of these areas, but by no means am I an expert and able to write a blog. I think she noticed the surprised look on my face, as I have a problem with controlling my facial expressions.  I did not want her to think I was not cooperative, so I quickly responded, “Sure, I don’t mind blogging.” But what would I say? Maintaining a website is not really financial blog material.

She then mentioned a project a co-worker and I had wanted to start working on - a financial literacy program for college students. She suggested that I use some of that information for possible blog material. Well, when I was in college all I was concerned with was my budget and how to make every single cent last and budget wisely. I’m talking about a Ramen Noodles-every-night-for-dinner kind of budget.

Then I remembered something I saw on Pinterest (one of my favorite and free things to do) a while back. I told my boss about this “52 Week Money Challenge” I saw where you put back money every week for a whole year. The amount of money you put back depends on the week you are on. For example week 1 = $1, week 6 = $6, week 38 = $38…and so on. By the end of week 52 you will have saved $1,378.00! I could blog about this challenge and encourage people to participate and save money! Great idea right! Well I thought it was at least.

Do you know those people that think outside the box? Well my boss is one of those people that have the box, package it up, ships it across the planet, steps out of the box and thinks there! After I mentioned my idea to her she sat quietly for a few seconds and then looks at me with all seriousness and tells me, “You do the challenge!” At first I thought I heard her wrong. You mean ME? I have a hard time saving as it is.

“I’m sorry, what?” was all that popped out of my mouth.

“Yes, you do the challenge and that will give you your topic to write about!” she said without an ounce of doubt in her voice!

So that is how it started! That is why you are reading this right now and hopefully will continue to read my posts throughout the next year. I will go through this savings challenge for a whole year (52 weeks) and will blog about my experiences and sacrifices I have to make. I will post an update to how I am doing at the first of every month and hopefully someone, somewhere out there in the big wide world, is also doing the challenge and will give me some feedback and encouragement to stay strong!

So follow along my year-long journey! I plan on taking an awesome trip with my savings after my year of complete sacrifice. If you are brave enough take the journey with me, let me know what week you are on and what you are giving up. It always helps when you don’t have to go through an experience like this alone.

Until my next post…which I will be on week 5 when I return. Wish me luck! I have put back my Mr. Washington for this week which was not too hard!

Week 1: Total Savings $1



Charli Oldham   |  Posted: July 1, 2013 - 9:06 am
I enjoyed reading your blog and your boss odviously has great confidence and belief in you.what a challenge this will be for you ! I am considering taking the challenge as well.Best of luck to you and I look forward to reading your upcoming post on your progress.
Jane Henry  |  Posted: July 1, 2013 - 4:02 pm
This is very exciting! I am looking forward to hearing from you each month and keeping up with your progress.
TXSLEDS  |  Posted: July 2, 2013 - 12:55 am
...and if you ARE ABLE double that small amount each week? WOW!
Old Crosby Stills Nash & Young song "Teach your children well...". Lead by example.

Was laid off my job in June, and bet I can meet the challenge Tawni. I'll keep you posted :)
Tawny Ormes  |  Posted: July 2, 2013 - 9:08 am
Thank you Charli and Jane for taking the time to read my blog! I will be sure to keep you up to date on my progress. My next post will be on July 29.

TXSLEDS that is a great idea. If I am able, I will definitely try to double at least some of my amounts. I am sorry to hear about your job loss, but I think it's awesome that you are still willing to take the challenge! Please keep me posted on your progress!
Ervin Smith  |  Posted: July 2, 2013 - 10:02 am
Good luck to you on your upcoming challenge! You will motivate a lot of people to take the savings challenge.
David Smith  |  Posted: July 2, 2013 - 1:26 pm
Good luck on the challenge and I think you are showing people you be creative and systematic when it comes to saving.
Tawny Ormes  |  Posted: July 3, 2013 - 11:01 am
Thank you David and Ervin. I hope to inspire others to save more!
Mandy Thomas  |  Posted: July 3, 2013 - 12:29 pm
Thanks for sharing, I really enjoyed your honesty! You have inspired me to join the challenge as well!
Shawyna West  |  Posted: July 5, 2013 - 10:09 am
Hi, Tawny!
I was so exciting when I saw the advertisement about the 52 Week Savings Challenge. I actually began in January. I was on my way to work one morning and heard a gentleman talking about it on the radio. So I thought: "Why not?" I am on week 26 (halfway there) and it's going pretty good so far. I have just figured it in as part of my budget. It's definitely a challenge & will take discipline, but I'm determined to do it and so can you! Good luck!!
Trish Gage  |  Posted: July 6, 2013 - 4:24 pm
This is a wonderful idea! I love a good challenge and am willing to do my best to stick to it. The final weeks will be the toughest, but I am sure I will be able to do it. Thank you for the creative motivation!! I am behind you all the way! :)
Hailee Amox  |  Posted: July 9, 2013 - 10:25 am

I have no doubt that you will complete this challenge and save that money! I am going to try and do it with you, though you have much more self-discipline than I do. I'm so proud of you! Good luck and happy savings :)
Amy Gillman  |  Posted: July 9, 2013 - 11:48 am
This is an AWESOME idea! (at least at week one it is!)I am on Washington is in the safe :) Good Luck to us all!
Tawny Ormes  |  Posted: July 9, 2013 - 2:51 pm
Thank you all for reading! And good luck to all of you participating in the challenge as well. I can't wait to see how you are doing in a few weeks.
trudy vise  |  Posted: July 9, 2013 - 6:12 pm
I'm truly impressed! You write with both finesse and wit. Plus...... you've encouraged ME to try this financial quest. Love ya
Demetria McFarland  |  Posted: July 10, 2013 - 5:13 pm
Hello Ms. Tawny, thanks so much for sharing the 52 week challenge! I have accepted the challenge and I'm excited about saving. I am looking forward the extra money that I will have this time next year. I have suggested the 52 week challenge with my facebook friends. Thanks again and happy saving!
Amy Proctor  |  Posted: July 14, 2013 - 4:04 pm
Awesome idea Tawny! Good luck on your challenge. I am excited that you are learning this at such a young age and teaching others as you go. Don't forget to get it invested so you can see the power of compound interest at work. I look forward to following your progress!
Karen  |  Posted: July 15, 2013 - 1:22 pm
I'm going to take this challenge myself!

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