Dealing with Money: How to Find a Financial Balance

I used to hate it when, after receiving a windfall, a big and necessary expense would suddenly come up. It’s like fate is testing my drive to save money. You know, instead of keeping the cash for a brighter future, I get to spend it. But lately, I have realized that God really never fails to provide for my needs. Things could have been bad. What if I didn’t have any moolah and a big and necessary expense has suddenly come up? I should have been grateful instead of whiny.

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On Paying Off Cash Loans

Today is a happy day. It’s pay day and I expect to see a slight increase in my weekly salary because my last month’s pay slip says I’ve already finished paying one of my three cash loans at work. (It’s through salary deduction so I just have to look at my pay slip to check on their status.) The remaining two cash loans will be fully settled by September so that when October arrives (which is actually my birth month!), I could expect more money to finance my birthday party. Haha.

pay slip
my actual pay slip

Now, why am I writing about this? Because I waited for this day to come. That one by one, the hubby’s and my loans will be fully paid and we could have more funds to add to our emergency and retirement funds. Our financial goals are as clear as water and our determination remains strong. We just have to stick to our plan and we’re good.

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Some Practical Household Tips

I just called MERALCO hotline 16211 and found out I have no bills to pay them for the month of March for our Cavite household. This happened because my parents (who are the current occupants there) have been staying with us here in Manila for more than a month now. They were supposed to stay here until after my brother’s birthday (February 23rd) only but they ended up staying longer than planned.

I can’t overemphasize the beauty and the advantages of living together as a family. Economically speaking, this translates to lesser expenses because we get to share meals, home supplies, and utilities. But this isn’t our normal setup and sooner or later, my parents will go back to where they like to live better, they’re humble Cavite abode.

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