-Finance over romance
Disclaimer: Ganito lang talaga ako mag-handle ng pera bago pa ito maglaho. Naka-ipon naman 
1. Budget before each sahod
Unahin ang savings at needs before wants. Prioritize!
NEEDS – food, utility bills, housing, transportation
WANTS – excessive make-up, piyesa ng sasakyan ulit, additional house décors, etc.
Sabi nila ang rule of thumb daw ay 50% – Living expenses, 30% – Lifestyle, 20% – savings. Pero depende pa rin ‘yan sa ‘yo kung paano ka mag-budget.
2. Make access to your saved money inconvenient
Kung saan ka komportable:
• Bank savings account – goods naman dito basta itago mo yung ATM card mo or much better mag-pass book ka para di mo talaga magalaw ang pera
• Alkansiya – siguraduhin mong di mo dudukutin ng paper clip, barya man yan o papel
• Coop – hahaha meron ba kayo nito sa company niyo? Ok din dito. Bawal touch move baka magalit mga ka-opisina mo
3. Track your spending
Me: Sahod, where na you?
Also Me: Salamat Shopee!
Also Me: Nasa Lazada yan!
The ending of me: Hahaha huhuhu
Make a list kung saan TOTOONG napupunta ang pera mo. This way mas matututo ka on how to spend and buy wisely lalo na kung dissatisfied ka sa mga pinamili mo. Kapag well-tracked ka na mas alam mo na ang mga dapat at di dapat bilhin. Huwag pabudol!
4. Tweak your expenses
Try mo munang mag-meal planning na kaya mong lutuin at pasok sa budget. Iwasan mo muna mag-order kung saan-saan kung hindi urgent. Sa appliances naman, kung hindi ginagamit, unplug. Kung medyo malapit lang naman ang pupuntahan, walkathon ka muna instead of jeep or tricycle. Repurpose your old stuff bago mo itapon or before buying a new one. Be creative in finding ways to spend less.
5. It’s all about paying yourself first
Nope. Hindi ito yung bag or upgrade sa bike na tinatawag mong reward. Paying yourself first is the process of saving for the future you. Single ka man or in a relationship, in the future you may want to further your studies, get married, raise your own family, start a business or buy a house.
Kung ano man ang trabaho mo ngayon at kung saan man napupunta ang pera mo will determine if you have options. Options can give you the freedom to access what is enough and even beyond what your needs or wants are. NO AMOUNT IS TOO SMALL AS LONG AS YOU START. Do not deprive yourself. Ang MAMUHAY NG MATIPID is a LIFESTYLE and a MINDSET.
Galingan mo sa part na ito, hindi lang pang-date mai-ipon mo pwedeng pang-life time na rin.
Nanampal ng 3 cactus , ‘wag kang iilag,
, ‘wag kang iilag,Hannah
