01/01/2026
Hindi pwedeng ‘yung isa matipid, pero ‘yung isa magastos.
Baka ‘yan pa ang maging reason ng paghihiwalay niyo.
📌 Mag-set ng monthly “money meeting” (kahit 30 minutes lang)
Agenda:
- magkano average income
- magkano average expenses
- loans/debts na dapat tapusin para makausad na
- ano dapat i-cut (ex. eat out, shopping)
- financial goals ninyo individually and as a couple
Logical na usapan bilang adults.
📌Ihiwalay ang pera sa tatlong buckets
1. Personal money
2. Joint expenses
3. Joint future fund (savings, travel, baby, bahay)
Clarity > control.
📌Mag-set ng spending limit na kailangan ng “mutual yes”
Example:
- Any expense na ₱5,000 pataas = pag-uusapan muna
Hindi para maging manipulative, kundi para iwas overspending.
📌Mag-build ng joint emergency fund na may target date
Example:
- Goal: ₱120,000
- Timeline: 12 months
- Monthly: ₱5,000 each share
Mas importante ang may nasisimulan.
📌Ayusin ang protection bilang couple (non-negotiable)
- Health coverage para hindi maubos ang ipon
- Life insurance lalo na kung may umaasa sa isa sa inyo
Responsible thing to do ito especially kung nag-accumulate na rin ng properties, assets and investments together.
God bless at magtulungan! ✨
