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Read this if you spend more than you earn

It can feel like you’re stuck in a loop but breaking the cycle is simpler than you might think.

Read this if you spend more than you earn
Kaway-kaway sa mga one-day millionaire diyan.

Kaka-treat yourself mo ‘yan though we get it. But a little accountability is cool too.

It happens to the best of us: you’ve found yourself swiping your card a little too freely and watching your hard-earned money vanish into thin air… only to realize poor-ita ka na naman hanggang next cut-off.

If you’ve noticed your wallet feeling a bit lighter than your paycheck lately, you’re not alone. So if you’re reading this, it’s time we get real about overspending.

Read this if you spend more than you earn

Kaya naman we’re here to steer you in the right direction and let you be in control of your money instead of it controlling you:

Take a good look at where your money is going each month.

List out your expenses and pinpoint areas where you can cut costs a bit. Whether you have unused streaming subscriptions or need to downgrade on your shopping sprees, making light adjustments to your budget can help you get back on track.

Give your money specific missions.

Kung para sa iyong emergency fund, pambayad ng utang, o ipon for travel at luho, let each piso play a role in your financial goals.

Read this if you spend more than you earn

Embrace the power of small changes.

Sometimes, it’s the little tweaks that make the biggest impact. Why not consider brewing your own coffee or cooking your meals? Instead of having brunch at the mall every now and then, save your cash, little by little, for something more worth it.

Speaking of savings, make it a non-negotiable part of your payday routine.

Treat it like a bill — pay yourself first. Setting aside even a small amount regularly can create a financial safety net that brings peace of mind.

Give your budget some love!

This isn’t about sacrificing the joys of life, it’s securing a more fulfilling future in the years to come. By fostering a budgeting habit, you’re not just managing money; you’re building a more confident version of yourself. And you can do just that with apps like Lista!

Read this if you spend more than you earn

By taking control of your finances, always remember that you’re investing in yourself, in the future as well as the present. It isn’t about saying ‘no’ to everything fun but bad things happen when you have too much of a good thing.

So be mindful of your spending and stick to a budget hanggang sa maging part na siya ng financial routine mo. Pramis, your future self will thank you later.

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