Last week was my birthday week, thus have been to left and right bonding with family and friends. Added to that, I didn't request for vacation leave. I lack sleep and on Friday, I was physically drain.
So why hadn't I requested for vacation leave when it's a privilege from the company. My first reason, I am saving my vacation leaves for more important dates in the coming months. Second, I have so many things in my list that needs to accomplish at work. Third, I need the night differential. Hahaha. I know it is taxable but it may help to build our plan to open a UITF for BPI.
I have made mistakes before when it comes to money matter, so I am paying it now. And I just wanted to be consistent with our intention to achieve our dreams before anything else comes up.
Previously, I wrote about Paano pa ba kami nakakatipid? It is not easy making a routine for saving. Really. Because I am bad at it. Since, we have dreams of waking up in Santorini (bigger than us), we tried our best.
Frugal Living. Trying to control our expenses. And living real below our means by finding alternatives to our food choices. Such as veggies instead of instant meals. Tipid na healthy pa. By cooking at home and opting not to dine out. By preferring to walk instead of riding a jeep. Exercise na, nakatipid pa sa fare. Watching movies at home instead in the cinema. Stitching broken clothes. Yes, so instead of throwing it away, basta kaya pang tahiin, tinatahi ko talaga. Repairing broken shoes. Aha, nilalagyan ko talaga ng adhesives para magdikit ang swelas.
Take advantage of those freebies. Literally. Last Christmas holiday, there were companies who gave freebies such a body lotions, cleanser, soaps as a sign of loyalty to their products. So why not use them instead? It will buy you some time before buying it for yourself when it ran out. Saves you something for a few months right? This is also true for the gifts you received. It may not be the brand you used, but could save you. If they don't work for you, then maybe you can sell or re-gift it. At least, it won't accumulate dust in your house and saves you space. And they are of good use to someone else.
Keep at least 10% savings from my paycheck. Only my 2nd year to do this. It is automatically deducted from my salary. So, I won't be able to touch this amount until I get resign from my present company. I made it this way so I will not be tempted to take it. We actually have the option not to. We track it by the copy they gave us semi annual including the interest it earned. Bigger than saving it in the bank. Because, aminin ko na, it's very difficult for me to save talaga. At least, when we opted for MF, VUL and auto save-up, we just add top-ups and forget about it entirely.
Sidelines or other forms of income. Traditional business of rice is currently generating a small amount of income but at least this already provides us food. The ride on business is generating good income which we direct to our time deposits each month. By next month, the plan is for it to go directly to our UITF. You read it right, what we earn from this businesses are not for consumption for the meantime, they are for our future goals. So the paycheck as an employee is what we stretch for everything.
The overtime pay and the holiday pays, well I actually do not do these but my husband does. Yes, so once he saw his pay slip, he automatically transfer the money to his save up. He told me, it gives him a sense of gratification, fulfillment and joy seeing his savings is growing.
And just like I often mentioned, this is working for us so far and may be different to yours. Bottom line is, find a method that works for you. Different strokes for different folks, right?
Just sharing. Happy Monday! :)
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