💸 How to Stop Living Paycheck to Paycheck in the Philippines

Most hardworking Pinoys never seem to get ahead. Sweldo comes in, bayad agad, and then... wala na. 😩 But with the right mindset and habits, you can break the cycle.

🧠 Why It Happens

You earn. You pay bills. Then you run out. Let’s fix that, one step at a time.

🚀 Step-by-Step: Break the Cycle

📍 Step 1: Track EVERY Peso

Track even your fishball money. Use a notebook or apps like Monefy or Google Sheets.

💸 Step 2: Use Zero-Based Budgeting

Category	Amount
Rent	₱5,000
Food	₱6,000
Utilities	₱1,500
Transport	₱1,500
Debt	₱2,000
Savings	₱2,000
Miscellaneous	₱2,000

🧺 Step 3: Simplify Your Lifestyle

• 🍔 Avoid fast food daily
• 📱 Cancel unnecessary subscriptions
• 🛍️ Delay Shopee “budol” buys

💳 Step 4: Control Debt

List all your debts. Pay the highest interest first. Avoid new utang unless life-or-death.

🏦 Step 5: Build a 1-Month Emergency Fund

Start with ₱50/day. Use Maya or Seabank. Keep it separate from daily expenses.

🧠 Step 6: Try the 50/30/20 Rule

• 🔵 50% for needs
• 🟢 30% for wants
• 🟡 20% for savings

🧒 Step 7: Talk About Money

Discuss budgets with your partner. Join FB budget groups. Set family goals.

🔁 3-Month Recovery Plan

• Month 1: Track everything. Cut waste.
• Month 2: Build savings. Pay small debts.
• Month 3: Set 1-month buffer. Automate savings.

🧠 Final Thoughts

Small steps matter. Don’t aim for perfect. Aim for progress. 🙌

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