Yelo peeps

Question

I just want to ask for advice on how I can manage my finances wisely? Earning around 18-19k monthly (this is my take home after deductions) pls help, I don't want to put myself in diff situation esp with multiple bills coming 😭😭😭

Cthrnangls · Answer

Magtabi ket 500 per sahod

MeyR · Answer

Ilista mo lahat monthly all expenses

Abing · Answer

First, take a breath. You’re already doing the right thing by asking before things get out of hand. With ₱18–19k, it’s tight, but it’s manageable with structure and discipline. Hindi kailangan perfect kailangan lang intentional. You’re not “poor” or “struggling”—
you’re learning how to manage what you have. And that skill?
Mas valuable pa kaysa sa mataas na sweldo na walang control.
	•	Track everything
	•	Set a realistic budget
	•	Control small daily spending
	•	Save kahit maliit
	•	Avoid new debt
	•	Be consistent, not perfect

NiceCola · Answer

List down expenses for a month to see where your money really goes. Then make a budget accordingly. Meantime, you can use the envelope method and really have the discipline to stick to your budget. I agree sa 50-30-20 budget rule just divide 20 to 10-10 for emergency fund and savings)

GentleSting · Answer

Maybe try the 50/30/20 rule adapted to your budget: 50% for needs, 30% for wants (but keep this super tight!), 20% for savings/emergency fund (even if it's just a small amount each month, it adds up!).
Cooking at home instead of takeout can make a big difference. You've got this! 😊

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