Because “Sakto Lang” is the New Normal
Let’s face it — adulting is expensive.
Groceries, tuition, bills, and a little treat for yourself… lahat ‘yan may presyo. And sometimes, parang ang bilis maubos ng sweldo.
But don’t worry, momma — there’s hope!
Here are budgeting tips that actually work (and won’t make you feel like you’re depriving yourself).
1. Use the 50/30/20 Rule — but Simplified
No need for complex spreadsheets! Just remember:
- 50% – needs (bills, groceries, tuition)
- 30% – wants (treats, family outings, milk tea 😉)
- 20% – savings & investments
If that feels too strict, adjust to what fits your family, consistency is more important than perfection.
2. The Envelope Method (Still Works!)
Label envelopes: groceries, bills, savings, and emergency fund.
Seeing physical cash helps control overspending — especially when you’re tempted to “add to cart.” 😆
If you’re more digital, apps like Money Manager or GoodBudget are great alternatives.
3. Meal Plan and Grocery Smart
Plan your weekly meals before shopping.
Stick to your list and avoid going to the store hungry (trust me on this one). 😂
Buy in bulk during sales, try store brands, and freeze leftovers — sulit na, less tapon pa.
4. Schedule “Budget Check Dates” with Your Spouse
Money talks don’t have to be stressful.
Set aside one night a month — just the two of you, maybe with coffee or wine — to review finances.
Make it a team effort, not a blame game. 💑
Mommy Peach’s Note
Budgeting isn’t about being kuripot — it’s about being in control.
When you give every peso a purpose, you create more room for peace, joy, and family time. 🌷
Small habits really do make the biggest difference, momma.
