How can something so tangible be so elusive at the same time?
Life’s a whirlwind, and so is our money. We’ve all been there wondering, “Teka, saan napupunta pera ko?”
Even we’re guilty of this because whenever we put cash in our wallet at the start of the week, it’s gone before it ends. Next thing we know, we’ve neglected our savings, yet again.
The why behind 'Saan napupunta pera ko?'
Look, we get it. Before you can save, it’s best to be aware of how your money flows in and out of your pocket. But we think it’s more than just doing what is right, you gotta have a ‘why’.
When we were young, that ‘why’ was simply abstract — we hardly thought about it because it’s so mysterious. Or perhaps, it wasn’t even there in the first place.
So, how do we find our why’s, our North Star? Once we’ve figured that out, then we finally have a purpose to kick off our journey to a better financial life.
The silent culprits: untracked expenses
You know that amazing feeling when your paycheck finally hits your bank account, right? Yung feeling na mayaman ka na ulit until the next cut-off.
We’ve learned that money tends to disappear when we’re not paying attention. Small (daily) indulgences, unplanned budols, and recurring (often unused) subscriptions can trample down your finances fast.
Kaya eto na ang sign mo to make some positive changes.
Begin by tracking your daily expenses. Use a notebook, Microsoft Excel, or budgeting apps like Lista. This way, you’re building awareness and facing the facts about your money management.
Growing older and wiser: nurturing your savings
As you age, your financial responsibilities grow. And it can feel overwhelming: kids, housing, bills, education, medical, retirement. Maybe one or all of these can be your North Star — the inspiration behind your life savings.
So set clear goals, both short and long term. This simplifies your expense management and leaves some room for saving. Trust me, when the time comes, you’ll be glad na may pera kang paghuhugutan.
Budgeting is a chore, yet a great disciplinarian
It’s your one-way ticket to financial freedom. It’s tedious but it’s a straightforward way to manage your money. Keeping a budget will help you allocate funds for necessities, savings, and even a little extra for your personal enjoyment.
We’ve learned that money tends to disappear when we’re not paying attention.
The best part? The peace of mind that comes from having financial stability and a growing savings account.
The conclusion: your money, your terms, your future
Before you can save, it’s best to be aware of how your money flows in and out of your pocket. But we think it’s more than just doing what is right, you gotta have a ‘why’.
Most of the time, it’s not really about how much you’re making. It’s what you make of it. Spending your money now may feel good, but a little delayed gratification can feel even better in the long run.
Ask yourself: What are your priorities? What do you value most?
In the end, it all boils down to what YOU want, and there's no better feeling than having the financial freedom to savor life's most significant moments on your own terms.