03/03/2026
๐๐ค๐ฉ๐ค๐ค ๐๐๐ฃ๐ ๐ข๐๐๐๐ง๐๐ฅ ๐ข๐๐-๐๐ฅ๐ค๐ฃ ๐จ๐ ๐๐๐ก๐๐ฅ๐๐ฃ๐๐จ? ๐ค
Hindi. Kaya lang, the problem is hindi lang tayo naturuan kung ๐๐ผ๐ผ๐๐.
Here's a simple trick: bago mo gastusin ang sahod mo, i-separate muna ang savings. Hindi "i-save ko kung may matira".
๐๐ง๐ฎ ๐ฉ๐๐๐จ ๐๐ค๐ง๐ข๐ช๐ก๐:
๐ฐ 50% โ ๐ฃ๐๐๐๐จ (bills, pagkain, transpo)
๐ 30% โ ๐ฌ๐๐ฃ๐ฉ๐จ (libre mo ito!)
๐ 20% โ ๐จ๐๐ซ๐๐ฃ๐๐จ, ๐๐ฃ๐จ๐ช๐ง๐๐ฃ๐๐ & ๐๐ฃ๐ซ๐๐จ๐ฉ๐ข๐๐ฃ๐ฉ๐จ
Kahit โฑ100-โฑ500 lang muna per month โ ๐๐๐ข๐ช๐ก๐ ๐ฃ๐ ๐ฎ๐๐ฃ.
