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Are you also like those people wondering everyday where did the money you earn goes? And it seems like you are living paycheck from paycheck?
I was once like that. It feels like, my paycheck only support my daily needs and the support I gave to my parents. And sometimes I fall short with my money even before paycheck. I have also experienced skipping a meal, not because I want to, but because I overspend and I don't have enough money to buy food or even pay for transportation. There was one time I had to call my parents for money.
And it is really hard to be in that situation, and I promise to myself I don't want to go back on that road again. Specially that I am not a fan of borrowing money to other people. I'd rather walk or not eat a meal just so I won't borrow money. Or I'd rather call back home.
Yes. You wouldn't believe that but like most of the starting job hunters, I started with a minimum paycheck, a little more than that. It was because opportunities for provincial graduates, unknown colleges/ universities are really low or if not you'll get a minimum offer.
And when your earning a minimum wage, you are only allowed to spend to your wage's limit. Eh, I am a probinsyana and there's no Jollibee on our province. With my fascination to Jollibee, haha, I would always eat there during lunch and dinner. 🙈 I like their spaghetti so much.
Looking back then, I never knew about life, and spending limits, financial literacy and all that.
And a year ago, when covid knocks out our normal life, I saw this as the problem I needed to resolve. Eventually, I have reduced my Jolly Sphagetti hunt and simply buy food on canteens. Or either cook, when food on canteens looks boring and the same.
I also managed to monitor my expenses. To easily see of I already hit my maximum daily spending when I dined out. And if I could still alter and control my expenses.
I got here a sample of my daily expenses sheet, all amounts are in pesos. This particulars, are inspired by our company petty cash reimbursement format.
As you can see, I can't do much about my daily expenses in transportation. Everyday I spent 1$+ for my fare and sometimes more than that, when I needed to cut trip due to traffic. If I totaled my daily expenses for my fare I'll spend $27$ each month. And my daily budget is 300-350php, for food and fare. And I am really looking for a way to lower that.
If you saw that I didn't pay for lunch, it is because its my colleague's birthday and she made a homemade lunch for us. Yiee so yeah I was really happy I didn't spend a penny for my lunch.
Anyway this daily expenses sheet is only applicable for a single person like me. Haha. If you are not, you can still make yours but of course in consideration of your family members. I had to buy food and not cook because it is a little bit cheap than cooking, if your housemates are also dining out. It was quite costly if you cook alone for a meal. I noticed that when I total my monthly expenses last March. The ingredients are a bit pricey. So its not advisable for a 'single' person.