@MissJo 27 June 2021 more from that month

How I manage my salary.

**Way back my school years,** I used to ask for money from my mom and dad for my school things. Sometimes, I will ask for more than what I need. I'll ask beyond my needs, because I wanted somehow to buy things that I like online or from any department store. I really have no idea how they tend to budget the salary they have every month, and that is why I always asked for more. Not until I get a chance to have a work and payback their needs as well. I realized it was such so hard to earn money. That it requires a lot of tears, a lot of pain, to earn. To have enough for me and for my family. That's when I realized I made it hard for them just to feed and send me to school. And here I am now, making my own money and paying them back. And I will share how I manage my salary. ***It is really a battle between no more, no less.*** ***Here's the list of the budget I made every 10th and 25th of the month. That is the cycle of our payday in the company.*** **Send money to my mom** **Insurance** **Groceries** **Allowance** **Emergency Funds** **Savings** **Dorm** **Water** **Electricity** **Internet** **Extra (for miscellaneous)** I only have a minimum of 430 pesos everyday. Day offs are paid, yes. I make sure to do overtime as much as I can to top up my pay. I make sure as well that I will do my best at work to get performance bonuses. • ***Sending money to my mom for their allowance in the province*** The moment I got to land a job here in Cebu, I really did not enjoy the money I earned for myself only. Almost half of it is intended for my mom and my brother in the province. To be honest and I am not bragging as well, I am the who is supporting them financially this time. Somethings just happened before I land a job, and that's the reason why I am the one providing them. It was difficult at first because I thought after I graduate, it will be a nice road, but it was a total opposite. At the beginning it was tough as I get to have a difficulty in adjusting and how I will spend and divide my salary. But as of today I already get used to it. I realized that it is my time now to payback. **I am happy that I am providing them their needs.** ***• Insurance*** I will not name names here of the company I get insured. But yes, I made sure that I get to have a part of my salary going to the insurance because that is for the preparation for my future as well and with things that may happen unexpectedly. At least if ever I will be out of the picture, the family that's depending on me will not be burden at all, and the good thing as well is that the insurance I have has an investment that I can get in the near future. **It was long term and at risk, but I believe it will be worth it.** ***• Groceries and Allowance*** Living away from my family is hard as I need to take good care of my own. That is why I need to make sure to provide myself my needs for 15 days before the next payday. All the necessities I need, I get them all. Rice, water, canned goods, veggies, fruits, and others. I need to stay healthy to continue working and to continue providing my family. An allowance as well is needed for me. I need to buy another thing that is used in the house. And if I have no time to cook, at least I have money to buy foods that instant. Not always of course because that will make my money run out right away. It is just if necessary. **Good to know, times like this I was not able to experienced getting out of money before the next payday and that makes me proud.** ***• Emergency Funds and Savings*** To be honest, sometimes these important things are getting compromised especially if I will not have the enough pay for a certain cut off. I will not deny it, sometimes I cannot keep some of my salary for emergency funds and savings. But if things like that happen for that certain cut off, I will make sure to bounce back and doubled it on the next cut. I need to save and have funds as well for emergencies. That is an important factor. **After all it will be me and my family that will benefit it.** ***• Dorm, Water, Electricity, and Internet*** Living around the city is somehow expensive, well I have no choice because I am working here and I cannot give up just because of that reason. I just need to work hard. And to provide my needs and my family's. I am living with a friend so it was really not that hard paying for rent as we are going to divide it. But still it is one of the portion that took a lot from my salary. But I will just not look at the negative effect of it, I always look at the brighter side. I need to be in a place where I can feel at home and be comfortable for me to do my work well and to be productive. I mean, it's a need for me. **And again, I make sure to work hard and smart to pay for it.** • ***Extra*** I always make sure to keep something for me. That is for my leisure and wants. For eat outs and friends' out of the city travels. Twice a month, I make sure to unwind. Times like this, times of uncertainty, I need to keep my mind sane to continue working. That is the only option I have. I do not buy a lot of things for me, I just want something that will keep me from stress, and that is to breath outside with friends. I somewhat know, I deserve things like this as well. I need to give something for myself. **I need a break too.** To be honest, managing salary is not easy. It was stressful for me to take. But as I always mentioned that I always look at the brigther side of the way. It was the reality. It is what present takes. And I need to go with the flow with it. Smartly. One thing I learn as well in budgetting my salary is that, ***"Make sure not to spend money that is beyond the amount of money you make."*** Which is so true and which I belive in. Because if I will not use my money for good, at the end of the day it will be me who will suffer. And I do not want that to happen. *My ways of managing my salary maybe far different from others. But I hope it give you some learning on how to do yours. And if ever you have something way much better than mine, you can comment it down below and I am much willing to learn from it. It will be appreciated.* ***-MissJo💜*** ** image from Google