Let’s be honest — saving money when you’re a mom in the Philippines sometimes feels impossible. Between groceries, tuition fees, electricity bills, and “Ma, pabili po,” every peso seems to vanish before you can even say “budget.” 😅
But here’s the thing: you don’t need a six-figure income to start saving. What you need is consistency, creativity, and a few smart money habits that actually work in real family life. Here’s how to save ₱10000 in just three months — without feeling deprived or missing out on family fun!
1. Track Every Peso
Start by finding out where your money goes. List all your expenses for one week — yes, even that ₱25 milk tea or ₱13 jeepney fare. You’ll be shocked at how the little things add up! Once you see your spending pattern, it’s easier to trim unnecessary costs.
2. Follow the 50-30-20 Rule
This is my favorite budgeting trick:
✅ 50% for needs (bills, groceries, tuition)
✅ 30% for wants (treats, date nights)
✅ 20% for savings or investments
Even if it’s just ₱50 or ₱100 a week, it still counts! The goal is to make saving a habit, not a one-time thing.
3. Cook More, Order Less
We all love food delivery (lalo na pag pagod!), but it’s one of the biggest budget drainers. I started meal-prepping on Sundays — simple dishes like adobo, giniling, or chicken tinola. Not only did I save around ₱1,000 a month, but I also reduced food waste.
4. Declutter and Sell Unused Items
Old toys, unused clothes, appliances gathering dust — they could be someone else’s treasure! Post them on Facebook Marketplace or Carousell. I once made ₱2,500 just decluttering one weekend. Instant savings booster!
5. Embrace “No-Spend” Weekends
Try one weekend each month with no eating out, no mall trips, and no online shopping. Instead, do free family activities — movie night, bike ride, or board games at home. The fun stays, the gastos doesn’t. 😉
6. Automate Your Savings
If you receive your salary through a bank, set an automatic transfer to a savings account. “Out of sight, out of spend.” That ₱100 a day adds up faster than you think!
7. Reward Yourself
Saving doesn’t mean punishing yourself. Once you hit your ₱10,000 goal, celebrate — even with a small treat. You earned it, momsh!
Remember: it’s not about how much you make, but how wisely you handle it. Every small step you take toward financial freedom counts. 💪
