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Katapusan na! Nakapagbudget na ba ang lahat?

While reading Chinkee Tan's book - Pera ni Mister Pera ni Misis, maraming nagpa-pop up sa isip ko na ideas. May mga pointers syang gusto ko agad iaapply sa budget plan namin.

From time to time, nagbabago yung budget plan namin dahil nagbabago din yung needs and expenses namin. Since we moved in sa Casa Cruz (our first owned house), di ko pa naaayos yung finances namin kaya gulo gulo na. 🙈

Nagkulang kulang na kami sa ibang areas. Napapansin kong nagigipit at kinakapos kami madalas. Mahirap kasi talaga kapag negosyante ka at nag-uumpisa palang. Normally, 3 to 5 years ang establishing period ng traditional business.

Sa biyaya ng Panginoon, lumalaban padin kami at nakakaisang taon na. People might see us well-off but in reality, we are lacking in so many areas of our finances.

We have on going monthly amortizations na hindi nagdiday-off sa paniningil. 😂 I'm just starting as a graphic designer and still building my portfolio kaya barya barya palang din yung naiaambag ko.

Basically our business is our only bread and butter. Kaya naman, this isn't the time para mag splurge ng pera. We need to be serious and dedicated in devising a budget plan that will help us reach our financial goals.

We have 2 kids and our panganay will soon become a pre-school student. 🙈 Another milestone, another gastos. 😂

Pano ba naitawid ng mga magulang natin noon? Ngayon kasi, everywhere I look, nagtataasan na lahat. Height ko nalang ang hindi. 😂 Stress level ko, palagi!

So here I am, applying my newly formed budget plan based sa napagmeetingan naming mag-asawa. This is a mutual decision para walang sisihan. Mahalaga din talaga na pinag-uusapan ang budget kahit anong bigat pa. Para nareresolve at naaagapan ang financial problems.

So I'm sorry for those asking me for financial help. Sabi nga nila, you can't give what you do not have. We all have our battles and currently, nasa gitna kami ng giyera. 😂🙈

Praying for financial provisions para sa lahat ng Super Moms and Super Dads! 🙏

God will provide. Focus lang at wag susuko. Sipagan lang natin at lagi tayong humingi ng wisdom at guidance mula sa Panginoon para di tayo maligaw. 😊

Let Him be our light kapag nagdidilim na paningin naten sa mga bills in life. 💡😊