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๐Ÿ’ธ How I Budget My Monthly Income Over My Expenses.

๐Ÿ’ฐ Exposed! My Monthly Income and Expenses: Usapang Pera in Manila 

     In a world where social media often showcases the highlight reel of our lives, I believe it’s crucial to share the unfiltered truth about my financial situation. Today, I’m going to open up about my monthly income and expenses, giving you a transparent look into my simple lifestyle as a worker in Manila. This blog isn’t just about numbers; it’s about being real with you and myself. So, let’s dive into the nitty-gritty details and answer the burning question: "MAGKANO BA TALAGA ANG INCOME KO AT GASTOS?"

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๐—ง๐—ต๐—ฒ ๐—œ๐—บ๐—ฝ๐—ผ๐—ฟ๐˜๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ผ๐—ณ ๐—ง๐—ฟ๐—ฎ๐—ป๐˜€๐—ฝ๐—ฎ๐—ฟ๐—ฒ๐—ป๐—ฐ๐˜†.

First and foremost, I want to address why I’m sharing this information. Talking about money is often considered taboo, especially in a public forum. However, I believe in transparency and want to bring you along on my journey, whether it leads to success or failure. By being open about my finances, I hope to inspire others to be more mindful about their own financial health and to demystify the realities of managing money in Manila

๐— ๐˜† ๐— ๐—ผ๐—ป๐˜๐—ต๐—น๐˜† ๐—œ๐—ป๐—ฐ๐—ผ๐—บ๐—ฒ.

As a simple worker in BPO-IT and Call Center Industry in Manila , my income varies slightly from month to month, but on average, I earn around PHP 40,000 (as of  recording this video, June  19, 2019) . This figure includes my base salary, occasional overtime pay, and any side gigs I manage to pick up. While it might not seem like much, it's enough to cover my basic needs and allows me to live a modest lifestyle.

๐—•๐—ฟ๐—ฒ๐—ฎ๐—ธ๐—ถ๐—ป๐—ด ๐——๐—ผ๐˜„๐—ป ๐— ๐˜† ๐— ๐—ผ๐—ป๐˜๐—ต๐—น๐˜† ๐—˜๐˜…๐—ฝ๐—ฒ๐—ป๐˜€๐—ฒ๐˜€.

Living in Manila comes with its own set of financial challenges. Here’s a breakdown of my typical monthly expenses:
  • Mortgage: PHP 8,100 -This is my monthly mortgage payment for my home.
  • Condo Dues: PHP 1,300 - Regular maintenance fees for the condo amenities and services.
  • Water Bill: PHP 200 - My monthly water usage cost.
  • Electric Bill: PHP 4,000 -The cost of electricity usage per month.
  • Transportation: PHP 5,000 - Expenses for commuting and other transportation needs.
  • Gym: PHP 2,000 - Monthly fee for my gym membership.
  • Insurance: PHP 5,000- Health and life insurance premiums.
  • Laundry: PHP 1,000 - Cost for laundry services.
  • Grocery: PHP 4,000 - Monthly expenses for food and household supplies.
  • Allowance: PHP 3,000 - Personal allowance for miscellaneous expenses.
  • Netflix: PHP 550 - Subscription cost for Netflix.
  • Internet: PHP 1,800 - Monthly internet service fee.
  • Savings: PHP 4,000 - Amount set aside for savings each month.

*Disclaimer: These expenses of mine is already outdated since June  19, 2019. 

๐—Ÿ๐—ถ๐˜ƒ๐—ถ๐—ป๐—ด ๐—ฎ ๐—ฆ๐—ถ๐—บ๐—ฝ๐—น๐—ฒ ๐—Ÿ๐—ถ๐—ณ๐—ฒ๐˜€๐˜๐˜†๐—น๐—ฒ

My goal is to live simply and within my means. While I might not have the latest gadgets or the trendiest clothes, I’m content with what I have. Living modestly allows me to focus on what truly matters: my health, my relationships, and my personal growth.

๐—ช๐—ต๐˜† ๐—ง๐—ต๐—ถ๐˜€ ๐— ๐—ฎ๐˜๐˜๐—ฒ๐—ฟ๐˜€

By sharing my income and expenses, I hope to provide a realistic picture of what it’s like to live on a modest salary in Manila. It’s not always easy, and there are sacrifices to be made, but it’s entirely possible to live a fulfilling life without a large income. I want to encourage others to be honest about their financial situations and to strive for a lifestyle that aligns with their values and goals.

๐—™๐—ถ๐—ป๐—ฎ๐—น ๐—ง๐—ต๐—ผ๐˜‚๐—ด๐—ต๐˜๐˜€

Talking about money can be uncomfortable, but it’s a necessary conversation. I hope this blog inspires you to take a closer look at your own finances and to be more open about your journey. Remember, it’s not about how much you earn, but how you manage what you have. Let’s continue this conversation and support each other in our financial journeys.

Thank you for reading and for being part of this transparent and honest discussion about money. If you have any questions or want to share your own experiences, feel free to leave a comment below. Together, we can navigate the ups and downs of managing our finances in Manila.

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