Being a freelancer and a small biz owner, our cash flow is inconsistent, so during the “harvest season” or months of good accounts and projects, we made sure that building our “emergency fund or opportunity fund” is part of our budget.
But years ago, we also do not have an emergency fund until situations and life lessons taught us hardly to have one.
Mommies, alam ko halos lahat tayo ay may mga #ipongoals this year. Pero hindi mo ba alam paano makakapag-start.. or paano magtutuloy tuloy mag-save ng pera.. Yung makatapos ka talaga this year ng 52-week money challenge.
Sabi nga ni Coach Chinkee, mas madali pa mag-ipon ng taba kesa sa pera. Agree ba kayo mommies? (hehe)
Being a mother requires a lot of sacrifices. I can say it is indeed the toughest job in the world.
I am a career oriented person, people often labeled me “workaholic” and “raketera” before.
I also did not have any plans on giving up our small business that time, until my little one arrives and everything changed.
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.