07/08/2026
₱20,000 ang sahod mo… PERO SAAN NAPUPUNTA?
Have you ever asked yourself:
“Kakapasahod ko lang… bakit parang wala na agad?”
Let’s try a sample budget.
If your ₱20,000 salary becomes around ₱18,000 take-home pay after deductions:
🏠 Rent / share — ₱4,000
🍚 Food & groceries — ₱4,000
🚐 Transportation — ₱2,000
📱 Load / internet — ₱800
💡 Utilities — ₱1,500
💳 Debt / installments — ₱1,500
Total: ₱13,800
May natitira pang ₱4,200.
Pero wait…
☕ ₱50 coffee
🍔 ₱150 food delivery
🛒 ₱100 online shopping
🎬 ₱200 gala
📱 ₱99 subscriptions
💸 “Pahiram muna”
Individually, maliit lang.
Pero kapag paulit-ulit?
Pwedeng maging ₱2,000–₱4,000+ every month.
And suddenly…
“Saan napunta ang pera ko?”
The problem isn't always that you don't earn enough.
Sometimes, you simply don't have a system for the money you already earn.
Try this for 30 days:
TRACK EVERY PESO.
Kahit ₱20.
Kahit ₱50.
Kahit “small treat lang.”
Then categorize your expenses:
✅ NEEDS
✅ WANTS
✅ OBLIGATIONS
✅ SAVINGS / INVESTMENTS
Because you can't improve what you don't measure.
Question:
Kung ₱20,000 ang monthly income mo, ano ang pinakamalaking expense mo?
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