Budgeting is like dieting, momsh — ang daming methods, pero not everything works for everyone. Over the years, I’ve tried two of the most popular ones: the old-school envelope method (sobre-sobre) and the modern budgeting apps.
Here’s what I found:
Envelope Method (Sobre-Sobre):
✔ Super simple and visual. Kita mo agad if paubos na ang grocery budget.
✔ Works great if you’re more disciplined with cash.
❌ Pero hassle mag-withdraw ng cash all the time. Plus, sino ba namang hindi natutukso to dip into another envelope when kulang? 😂
Budgeting Apps:
✔ Convenient — everything’s in your phone. No more bulky sobre-sobre.
✔ Easy to track expenses automatically.
✔ Some apps even show graphs para kita agad saan napupunta ang pera.
❌ Pero minsan, nakakalimutan mo i-input or nakaka-overwhelm sa dami ng features.
So, which one is better? Honestly, it depends. If you’re more traditional and disciplined with cash, sobre system works wonders. But if you’re techy and always on your phone, apps are the way to go.
In our family, we actually use both. Sobre for fixed expenses (like rent, bills, and groceries), then apps for tracking and adjusting monthly.
At the end of the day, it’s not about the method — it’s about finding what keeps you consistent.
