Years ago, we’ve been praying for a car not just for personal convenience but to also have a service vehicle that will help in business.
But since we only have a limited budget, we thought of why not consider a second hand or used cars.
Imagine saving almost half the price from a brand-new car?
Almost everyone I know, experienced financial crisis and stress in some point of their lives.
Lost their job, business failure, investment scam, debts and a lot more.
Back in 2011, my husband and I were engaged to be married, we heard from a financial seminar to keep a shoe box and put all our receipts there to track our monthly expenses.
After attending that workshop, I immediately bought a pen and paper to track our expenses (wedding preparation) until I was able to form this new habit.
My husband and I have been through a lot of financial trials and lessons. And we promised ourselves that we will try our best not to forget the lessons we learned back from those season of huge financial stress – debts, piled up bills on due dates, savings drained, being scammed, unwise business decisions and a lot more..
One of our financial goals is to live within our means, so we can also honor God in managing our resources, stay out of debt and live a legacy of good financial stewardship to our son.
Fashion is very close to my heart. When I was younger, I used to do photo shoots for the love of art and fashion…
Having a credit card is very easy now a days, there are many sales officer approaching people in the malls and offering a Free umbrella para mag-sign up sa card.
I can’t deny the convenience it brings, imagine makakabili ka using a small plastic card kahit wala kang dalang cash. But again, charged to experience (and to bank interest), even pala almost 3 years na akong good credit card payer, I am still not exempted sa possibility to accumulate credit card debt.
In a normal Filipino Family set-up, it is usually the wife that manages and handles the family’s income. That’s why it is important that the wife is knowledgable about managing money kundi baka masayang ang pinagpaguran ni Mister.
Having a baby is indeed a blessing from Above, but of course.. we moms know that starting from pregnancy, (prenatal check-ups, vitamins, ultrasound etc.) up to the “delivery day”, it is a bit costly to have a baby.
When I gave birth to my son, I wasn’t able to get back to work or business right away. Limited budget talaga kami kaya nadiscover rin namin ang iba’t-ibang ways to save for our little bundle of joy.
Both my husband and I came from families who didn’t involve us in “money matters”.
Growing up, we just learned our money management skills from work, workshops, books and sad to say most from mistakes and “charge to experience” life circumstances.
That’s why one of our desires is to raise our son, who will someday be the provider of his family (a father), to be a moneywise kid.
We believe it is our responsibility as parents to teach our children their needed “life skills” and financial management is one of these..
“Hala! Nag-over budget ako!” Are these words part of your post-battle cry everytime you do the grocery? Can you also relate to emotional buying as I do? Anghirap humindi kay hubby or sa kids kapag may pinapabili sila sa groceries…
May mga instances pa nga before na yung bibilhin ko talaga ang hindi ko nabili. But on our journey to living a simple and practical life (or should I say tipid living) we’ve discovered our mistakes and some techniques that helped us save from our grocery expenses.