
Originally Posted by
em_b
2nd point, on emergency and savings, I do not know with you, but for me savings comes first before everything else. Kaya nga before when there are something that I really feel like buying, I slash on meals, aside from taking both breakfast and lunch I settle maybe for a brunch. Or instead of going out for a burger, Il prepare nalang something at home then baonon naku. You know why a meal is always a target of so many pinoys to cut if they would like to save up something? Its because we spend more in food than any other culture that I know. We enjoyed eating, more on pleasure than being a fuel. And ofcourse, everything else is fixed. LIke my families budget for rent, for utilities, for school, for savings, for grocery. Basically what is left for me to slash is my daily allowance, although I do not have to skip a meal now to buy a pair or two.