Monthly Budgeting Tips para sa mga Gusto ng Peace of Mind sa End of the Month

Let’s be honest, momsh — ilang beses ka na bang nanghinayang sa gastos pagdating ng 25th or worse, ubos na ang budget before sweldo? ? Ako rin. I’ve been there. Pero over the years, I’ve learned some simple budgeting habits that gave me a bit more peace — at hindi na ako kabado tuwing end of the month.

Kung gusto mo rin ng kaunting peace of mind pagdating sa finances, here are monthly budgeting tips na talagang gumana for me (at sana sa’yo rin!):

1. Gumawa ng Monthly Budget Before Sweldo Dumating

I set aside a few minutes before the sweldo hits. Alam mo yung kasabihang “plan your spending before your money plans you”? Totoo ’yan.

What I do:

• I list fixed expenses (rent, kuryente, internet, etc.)
• Then groceries, school stuff, gas, and konting luho (para hindi masyadong restricted)

2. Use the Envelope (or Sobre-Sobre) System

Kung mahilig ka sa cash, this helps!
Lagyan mo ng label bawat sobre: groceries, utilities, allowance, etc. Para sa bawat category, alam mong hanggang saan lang.

Modern version:
If you’re using GCash or bank apps, create mental “folders” or use actual budgeting apps like Money Lover or Goodbudget.

3. Set a ‘Kalma Fund’

Ito yung pang peace of mind talaga — an emergency fund, kahit maliit lang muna. Kahit P500 or P1,000 a month, basta may nasisimulan.

Sa totoo lang, kahit simpleng repair sa bahay or biglaang sakit — hindi na nakaka-stress pag may nakatabi kang “kalma” money.

4. Track Every Peso (Yes, Every Single One!)

Hindi mo kailangang isulat lahat sa notebook, pwedeng sa Notes app or budget tracker. Basta makita mo kung saan talaga napupunta ang pera.

You’d be surprised how those P100 Shopee checkouts or milk tea treats add up! ?

5. Review & Adjust Monthly

Budgeting isn’t one-size-fits-all. Life changes — may school projects, birthdays, o kaya biglang promo sa paborito mong grocery ?

That’s why I take 15 minutes at the end of each month to ask myself:
✅ Anong gumana?
? Anong gastos ang pwede iwasan next month?

Budgeting doesn’t mean bawal na lahat. It just means you’re choosing where your money goes, instead of wondering where it went.

Konting diskarte + konting discipline = mas kalmado ang end of the month.

Tiwala lang, momsh. Kayang-kaya mo rin ‘to.