When Budgeting Becomes a Challenge

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I started my day early in the morning. Sunday is supposed to be my husband's day off, but because his presence is needed during the turnover of the building that he has been working on, he is obliged to be at the site. Our plan to go to the beach is canceled because of that.

I made his usual breakfast and packed his lunch, but he said he'd be home by lunchtime, so there was no need for me to pack him a lunch.

When he headed to work, I started doing my morning chores. Today is Sunday, market day here in Roxas City, and as expected, the market will be crowded with people who wish to buy fresh goods from the local farms nearby. So it is better to be there early to avoid traffic and the crowd. 

I went after an hour with two thousand pesos in my wallet. I have to budget that amount and should not exceed it because bills are lining up and need to be paid tomorrow. 

I first went to "Pacifica", a farm supply store where I usually buy the dog food for my fur babies. Their prices are much lower compared to other farm supplies. I bought 2 kilograms of Pedigree Mini, which cost two hundred eighty pesos (140 per kg). 

And then I proceed to the seafood section. I am planning to cook "Ginataang Tulingan" for today's meal. And I got lucky because there were so many Tulingan sold today at a cheap price. For 220 pesos, I was able to purchase 1.25 kilograms of fish. I bought the remaining ingredients before heading to INJAP supermarket for my basic needs. 

INJAP Supermarket is well-known here because they offer lower prices compared to the other supermarkets like Puregold. Today is the last day of a three-day sale that began on July 1, 2022. I was hoping that I could get more than I expected for my budget of one thousand pesos. But due to the inflation rate, prices are through the roof these days. So you know what happened next, hehe. 

Soaps, shampoos and other toiletries are not included in the photo

However, I still get to enjoy the shopping spree, Char, because of the buy one, take one promo. They also have this promo which includes 6 pieces of Argentina Meatloaf for the price of 95 pesos. I really saved a lot by buying it because if I bought it in the store, it would cost 25 pesos each. So just calculate how much I had to save.

With a budget of one thousand pesos for groceries, I was able to buy our basic needs, from toiletries to kitchen needs, and some canned goods and snacks. 

With the ongoing price hike, budgeting has become very challenging for us. Personally, five thousand pesos is not enough for a week's budget. Plus the medicine, etc. 

I went home with 200 pesos left in my wallet. I immediately prepared our lunch because my husband texted me that he'd be home within an hour. 

And we had a great meal afterwards.

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How about you guys? How much is your budget for a week? And has budgeting become a challenge for you too? 


Date Published: July 3, 2022

All photos are mine unless stated otherwise.

 

 

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Comments

budgeting is for me a struggle always ate. sana matutunan ko yung wise and organized na pag-bubudget medyo sablay po ako dun.

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1 year ago

Try to list down your needs and wants, then unahin mo ang needs, saka na yung wants kapag may extra money or nakakaluwagluwag na..

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1 year ago

yan nag gusto ko sa sale sis. dyan ako natuto noon na minsan kapag maramihan mas makakasave ako kahit konti.. ngayon malayo kami sa mga maalalking grocery store na nagsesale kaya dio ko na yan naeenjoy.. sana malayo maabot ng mg anabili mo sis..

yang bdgeting talaga ang pinaka challenge aking buhay since may asaw at pamilya na ako kaya si hubby pinapabudget ko nang sa ganun di sasakit ang ulo ko kapag kulang haha.

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1 year ago

Asawa ko naman ksi eh di marunong magbudget. Masyado sya maalwan sa pera akala mo naman andaming laman ng wallet kaya sa akin na nya inaasa ang pagbabudget..

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1 year ago

Bilib ako sa budgeting strategy mo sis. Pero mas bilib ako sa masarap na luto. Di na ako nakakatikim ng ginataang tulingan.

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1 year ago

Naku sis sign na yan na magluto ka na ng ginataang tulingan, hehehe

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1 year ago

So your plan to going at beach was cancelled. Seriously prices are too high in my country too, and it's hard to manage our budget.

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1 year ago

The whole whole is greatly affected with the inflation rate, gosh.. When will this end

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1 year ago

Same here, nakakachallenge magbudget ate huhu

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1 year ago

Grabe ung presyo ng mga bilihin now. Dati ung 1k ko dami na laman ng basket ngaun iilan na lang.

Sabi ko sa partner ko mahal nactlga bilihin kaya wag na muna natin dagdagan ang bibig na papakainin 🤣🤣

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1 year ago

Isa sa mahirap gawin ang budgetting ate. Buti nga po at Financial Management ang nakuha kong course. Under control yung finances ko/namin dito sa bahay.

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1 year ago

Ako ate Php. 1000 budget ko for two weeks haha. Siguro masaya wallet ko kung di ko iniisip mga aso ko haha though may times na nakakatipid ako lalo na kapag may birthdayan haha nakakatipid ng sardinas. Pero mag-isa lang naman ako and nasa bahay lang kaya kaya pa haha. Bumibili rin ako ate ng canned goods para sa akin kasi nakaksawa puro itlog at hotdog walang kamatayan hahahha

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1 year ago

Sobrang hirap talaga magbudget nowadays ate, although minsan minsan lang po ako namamalemgke sa house pero ang hirap pa din talaga . Tumaas na po Kase lahat

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1 year ago

Hirap tlga mag budget kung small lng ang budget 🤣.. Good for a week lng ata yan 😅

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1 year ago

Naku Jane di pa aabot ng 1 week yan2 to 3 days lang yan..

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1 year ago

Budget ko for a week is 1k, sweldo ko is 4k lang tas may bayari. Pako like bh na 1.5k at kuryente na 500 so maiiwan sakin is 2k. Sometimes, pqra mas makatipid ako nilalakad ko nalang kahit pagod nantalaga ako kasi no choice hehe

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1 year ago

Wala talaga tayo choice eh noh.. Gagawin ang lahat ara makatipid.. Btw, 4k a month sweldo mo or 4k a week?

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1 year ago

Super challenging talaga ang mag budget these days sis. Kung di dahil sa earnings ko sa mga side hustles ko di talaga kaysa sahod ko..

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1 year ago

Buti ka nga sis madiskarte eh at buti na lang may work din husband mo.

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1 year ago

Walang regular job si Hubby sis. Tas yung sweldo ko 350 a day Lang

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1 year ago

Oh i see, pero mas okay na din yan sis kesa sa wala di ba..

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1 year ago

Yes sis. Buti nalang eh my income siya minsan Para my pandagdag sa gastosin

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1 year ago

Tama, sa ngayon kasi dapat talaga eh tulungan eh.

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1 year ago

yes needed talaga yan this time

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1 year ago

Ako last time namili ng groceries sa akin lng inabot ako P2500😂😂😂... Jusko kamahal bilihin...

Oy sarap ng ulam mo

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1 year ago

Naku sis kung tutuusin un 1k na yan eh di pa kumpleto pero kailangan maghigpit ng sinturon, lahat mahal eh..

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1 year ago

Kaya nga, tipid2 nga din me🥺

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1 year ago

By the way, kumusta na yung dream house nyo sis, finish na ba?

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1 year ago

Lapit na sis, iyong mga ilaw na lng saka paint.. Tapos na. Kaso walay budget..kaya baka abutin pa ng sept😂

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1 year ago

Oi lapit na ein ah.. Next nyan eh baby na, hehe

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1 year ago

Ay sana talaga sis..hehe

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1 year ago

Sa totoo lang talaga madamsss, nong nakaraan nga yong 500 ilang items lang ee. Soap na by 3s for 120 at toothpaste na by 2s for 140 nasa 260 na agad plus shampoo pa isang dozen so plus 63 pa. Naka buy naman ako ng dalawang de lata at 3 noodles and saka fudgee bar, nasa 485+ na yan 🙂

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1 year ago

Kaya nga madam, sa sobrang mahal ng bilihin ngayon parang wala ng halaga ang isang libo eh..

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1 year ago

Kami malaki ang budget for month. Dahil may mga monthly na binabayaran sis.

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1 year ago

Kami sis eh bukod pa jan un monthly utility bills kaya need magtipid talaga.

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1 year ago

Tama ka, sis

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1 year ago

Parang feel ko ibig sabihin ng INJAP is INtsik JAPanese hahaha. Yan kasi nickname nung may ari ng Mang Inasal since Intsik at Japanese ang lahi hahaha

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1 year ago

Hahahaha, sila din nga yun may ari ng Mang Inasal😂..

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1 year ago

Dili ako ang ga-budget sa balay pero maguol ko makakita sa akong mama gakunsomisyon kay dali ra kay nahurot ang kwarta sa grocery hahahah kung pwede lang mag-ulan ug kwartas dalan.

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1 year ago

Unta langnjud beh mag ulan ug kwarta hahaha. Guol jud magbudget oi,

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1 year ago

Yeah. Sa presyo ngga bilihin ngayon, hirap talaga mag budget

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1 year ago

Then kaliwa't knan pa ang prob, hay life talaga..

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1 year ago