1) I was able to buy 1 sack of rice - P 1,900.00
2) I was able to pay my BPI-Philam life insurance - P 2,073.80
3) I was able to pay in full in my BPI mastercard - P 2,496.78
4) I paid my share in meralco bill, water bill, & PLDT bill - P 1,435.00
5) We ran out of LPG gas also - P 600.00
6) I deposited 1k in my FAMI account - P 500.00 (came from my salary)
7) I also spend P 300.00 for our food/transportation to Calamba Laguna.
(My mother & I attended the funeral of my auntie who passed away last week).
8) My daily allowance last Friday P 150.00 (kinulang kasi ako dahil sa bagong sapatos)
9) Additional Palengke expenses (eggs, fruits, rekados) - P 100.00
10) I bought a new book @ Booksale - P 35.00
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Total ------------------------------ P 9,590.58
The total income & salary I had last week was P 9,994.60 less the total expenses P 9,590.58 equals P 404.02
Though I was left with that small amount from income last Monday I managed to fit into my budget for 4 days by bringing some baon everyday & that's what makes it challenging for me. (Kailangan mamaluktot pag maikli ang kumot). I've filed a cash advance last thursday in our office for my budget since I was left with few coins (1peso coins & 25 cents) in my purse.
I'm on a transition process this month, I need to get use to a tighter budgeting system so it'll be easier for me to adjust to a half salary income I'll be receiving this June & in the coming months. I also planned to take note of every centavo on my expenses particularly on my transportation expenses (hindi talaga sila nagsusukli ng 50 cents), they always took 8 pesos fare on the passengers unless we give them exact fare, "nakakapagod at nakakahiya ng sumigaw ng sukli araw araw ha". So I requested my officemate to change my 100 pesos to (1peso coins) & 50 pesos to (25 cents) & that's the reason why you see some pack of coins in the photo above. Well, pag nagka-student ID ako I'll be paying them the student fare, hahah.
My Back-to-School journey already started last Wednesday & I'm still in a mental shock state today, first day pa lang reporting, research & thesis na agad ang ina-assign, wala man lang warm up sa Social Dimension subject ko, Principles of Teaching -medyo oks lang & my Student Learning Assessment subject I think will be the hardest for now, Child & Adolescent, Code of Ethics & Rizal Subject will start next week.
Guys, I need your help. I still don't know what to research on my thesis but I'm actually planning to research on discipline particularly on financial discipline on the kids & I'll be suggesting it to my research partner. If you can share me some articles, journals, psycholoy topics & sites about financial discipline of kids & about money too.
Thanks in Advance!!!
Till then,.......Have a blessed weekend!!!
Hi Grace,
ReplyDeleteI bought Rose Fausto's book "Raising Pinoy Boys" when I attended her family's seminar a few weeks ago and you're welcome to borrow it for your research since she talks about developing financial quotient (FQ) in children. Just email me at jillsabs@gmail.com your mailing address so I can send out the book to you. Return it when you're done, no rush.
Thank you so much mam jill, pag final na ang decision namin ng research partner ko, inform kita agad, thank you ulit :)
DeleteAng galing mu sa pagbabudget! Ako Im starting all over again because I will be turning the big 3-0 this years and no savings and emergency funds yet though I have insurance na kulang kulang pa ang bayad. I really need to stick with my excel budgeting. And I really admire you on how consistent you are on listing your expenses.
ReplyDelete--
nhengswonderland.blogspot.com
Thanks sis, yan talaga ang basic ng financial planning kelangan ilista para malaman ang percentage ng bawat gastos, kung saan tayo nag-eexceed ng gastos, saan kulang at saan pede magbawas, after nun, matatantya mo na kung pano ka makakapagsave. Sa akin kasi kelangan maghapit para umabot ang income ko at the same time meron pa rin dapat savings :)
DeleteWow, nagstart na pala schooling mo. Happy for you. And congrats in advance. Great details. :) Hehehe...ako asa notebook pa lang. I am planning to put in graph if I have enough time. Medyo dami lang kasing changes the past weeks kaya medyo tight din ang time. Enjoy your new journey.
ReplyDeleteOo nagstart na ko last week, medyo nakakabigla ang bilis ng topics, sana ma absorb ko, ang hirap ng 20 yrs natulog ang utak ko, feeling ko lang 19th century ang ang utak ko,pang 20th century nmn mga classmate ko.
DeleteNotebook style pa rin ang budgeting ko pero now chart, kanya kanya tlagang diskarte ng pagtitipid tayo.
Thanks sis :
Not bad at all, Grace. Saludo ko sayo pagdating sa pagbudget at sa pagstick sa budget mo. Ang hirap kaya magbudget lalo na kapag limited ang resources, kaya mas lalo ko na-aapreciate ang mga babaeng marunong magbudget. :)
ReplyDeleteThanks ms edel, na appreciate ko tlga pg ng comment ka, mas madali ilista kapag konti ang income, alam mong negative agad result.
DeleteWow, ang galing mo Ms.. Grace. Ngayon lang ako nakabasa ng blogs about finance ng gaya sa iyo kasi pareho tayo ng minimum wager. I'm trying so hard to make ends meet kasi I'm a solo parent to two gradeschoolers. Ang hirap talaga pagkasyahin, no savings, no investment, I'm just starting with our emergency fund. Thank you so much Ms. Grace, nakakaencourage mga posts mo, nabuhayan ako ng loob. God bless you Ms. Grace.
ReplyDeleteHi, sis. Nakakatuwa naman ang comments mo, It's really nice to know that there someone out there who appreciates my blog. Alam ko ang feeling ng negative ang budgetting kaya hindi ako makasunod sa ideal na 70-20-10 rule kaya iba ang strategy ko sa pag-iipon. You will make it, konting tyaga at konting tiis lang basta may goal lang lagi naka set magkakaron ng direction ang plano and with God's guidance you'll make it through. Para sa akin blessing ang 2 gradeschoolers mo, all the more reason you will be inspired to reach your goals. God bless & Merry Christmas sis!
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