Bakit Laging Kakaunti ang Natitira sa Sweldo Ko!?

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Bakit Laging Kakaunti ang Natitira sa Sweldo Ko!?

Ang saya kapag sweldo day, ’di ba? Pero ilang araw pa lang, parang “na-evaporate” na ang pera. San na napunta? Bakit parang laging kapos kahit parang okay naman kita?


Ang Hindi Mo Nakikitang Butas: Walang Budget at Tracking

Marami sa atin ang gumagastos base sa emotions, hindi sa plano. Kaya kahit gaano pa kalaki ang income mo, kung hindi mo alam saan napupunta, laging parang kulang. Lalo na kapag may biglaang gastusin—wala kang huhugutin.


Simulan Mo Sa Budget Na Swak Sa Current Status Mo.

Hindi mo kailangan ng complicated spreadsheet. Kahit simpleng listahan lang ng income vs. gastos, malaking bagay na. Make it evolve—kung nagbago ang priorities (gaya ng pag-aasawa at pagkakaroon ng pamilya, pagbabago sa income), dagdag o bawas din sa budget. Tandaan: ang budget, parang katawan—kailangan pinapasuot mo ng tamang fit. 

Ang budget mo dapat tumutugma sa pangangailangan mo ngayon, hindi sa gusto mo lang o sa nakikita mong lifestyle ng iba.


“E Hindi Ako Marunong Mag-budget, Baka Hindi Ko Rin Masunod.”

Normal ‘yan. Lahat nagsimula sa simpleng pag tatala lang. Kahit palpak minsan, okay lang. What matters is awareness. The more you track, the more you learn. Hindi ito about perfection—This is about progress.


Reflect and Reset:

Sabi sa Bible: 

“Suppose one of you wants to build a tower. Won’t you first sit down and estimate the cost to
see if you have enough money to complete it?”

— Luke 14:28 (NIV)


Sa Bible, tinuruan tayong magplano muna bago gumawa. Ganyan din dapat tayo sa pera.

Budgeting isn’t about limiting joy. It’s about making space for what truly matters — ngayon, bukas, at sa hinaharap.


__________




– Ana Estrella
Licensed Financial Advisor | Advocate for Financial Literacy
Founder 
Plan B - Buhay at Plano

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