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  • Reply cheekeegirl November 9, 2017 at 3:46 pm

    OMGee! I’m so guilty reading your post!

  • Reply Nilyn Matugas November 13, 2017 at 8:36 am

    Yes to envelops! I’m using it for years now. Big help. Although since I don’t allot money for mga unexpected gastos, nakakahiram ako sa savings which I pay come the next payday. I’m itching to start our VUL. That’s one of the things we’ll do when Dane comes home.

  • Reply Berlin | Momi Berlin November 13, 2017 at 5:01 pm

    One of the happy memories of my savings day was the 52 week challenge. I never thought I could finish it. I was able to save a lot and bought a heater for our bathroom. So proud of myself really. Hihi. Now that I dont have a regular work, I save the compensation I got from my online writing. Haven’t withdraw a thing. But this quarter, I’ve decided to continue my sss and pag-ibig.

  • Reply Michi November 14, 2017 at 7:07 am

    I agree with you that opening a separate account is a good choice. I did this when I was still working so pag payday na, I just fund transfer my savings, iwiwithdraw ko lang yung tithes and expense ko. I don’t bring my savings atm too, nakatago lang. Now that I’m a full-time mom, ganun din ginagawa ko sa budget namin, income – tithes – savings = expense.

  • Reply Tipid Mommy February 9, 2018 at 7:50 pm

    Great tips! Envelope system helped us too to stay within our family’s budget.

    I agree to your formula we need to pay ourselves first before paying for bills and other stuff 🙂 (And yes, Tithing first)

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