
14/07/2025
๐ฑ ๐๐๐ฌ ๐ง๐๐ฃ๐ฆ ๐๐ข๐ฅ ๐๐ข๐จ๐ฃ๐๐โ๐ฆ ๐๐๐ก๐๐ก๐๐๐๐ ๐๐จ๐๐๐๐ง๐๐ก๐ ๐จโโค๏ธโ๐จ
Alam mo ba, money problems are one of the top reasons bakit nag-aaway ang mag-asawa?
Pero sabi nga ni Chinkee Tan, โIf you donโt control your money, your money will control you.โ Kaya bago pa magka-tension sa bahay, letโs make 2025 the year na magiging financially smart kayo as a couple!
1. ๐๐ซ๐๐๐ญ๐ข๐๐ ๐
๐ฎ๐ฅ๐ฅ ๐๐ซ๐๐ง๐ฌ๐ฉ๐๐ซ๐๐ง๐๐ฒ ๐๐ง๐ ๐๐๐๐จ๐ฎ๐ง๐ญ๐๐๐ข๐ฅ๐ข๐ญ๐ฒ
Be honest about your income, expenses, savings, and debts. This builds trust and sets the foundation for your financial plan. Create a joint budget spreadsheet, and if one of you handles the household, they can take charge of the finances. The working spouse, on the other hand, receives a reasonable allowance based on mutual agreement.
2. ๐๐๐๐ฎ๐ฏ๐น๐ถ๐๐ต ๐ฎ ๐ฅ๐ฒ๐ด๐๐น๐ฎ๐ฟ ๐๐ถ๐ป๐ฎ๐ป๐ฐ๐ถ๐ฎ๐น ๐๐ต๐ฒ๐ฐ๐ธ-๐๐ป ๐ฅ๐ผ๐๐๐ถ๐ป๐ฒ
Mag-sit down kayo twice a month to review your budget and make adjustments as needed. Combine this with a casual dinner date to keep it light and meaningful. Regular check-ins strengthen not just your finances but also your relationship.
3. ๐๐ฎ๐ข๐ฅ๐ ๐๐ง๐ ๐๐๐๐ฎ๐ซ๐ ๐๐๐ฏ๐ข๐ง๐ ๐ฌ ๐๐ง๐ ๐๐ฆ๐๐ซ๐ ๐๐ง๐๐ฒ ๐
๐ฎ๐ง๐๐ฌ*
Start by saving daily in a coin jar or joint savings account. Your goal? Six monthsโ worth of expenses for emergencies. When youโve saved enough (PHP 10,000 or PHP 20,000), transfer it to a UITF-Fixed Income Fund for better growth.
4. ๐๐ฅ๐๐ง ๐๐จ๐ซ ๐๐ง๐ฏ๐๐ฌ๐ญ๐ฆ๐๐ง๐ญ๐ฌ ๐๐ง๐ ๐๐๐๐ข๐ญ๐ข๐จ๐ง๐๐ฅ ๐๐ง๐๐จ๐ฆ๐ ๐๐ญ๐ซ๐๐๐ฆ๐ฌ
Once your emergency fund is set, focus on long-term and short-term financial goals like retirement or education funds. Look into Mutual Funds or Stocks under a Joint OR account for flexibility. Explore passive income opportunities or even start a small business to diversify your earnings.
5. ๐๐ญ๐ซ๐๐ง๐ ๐ญ๐ก๐๐ง ๐
๐ข๐ง๐๐ง๐๐ข๐๐ฅ ๐๐ข๐ญ๐๐ซ๐๐๐ฒ ๐๐ง๐ ๐
๐จ๐ฌ๐ญ๐๐ซ ๐
๐๐ฆ๐ข๐ฅ๐ฒ ๐๐๐ฅ๐ฎ๐๐ฌ*
Never stop learning! Read financial books or articles to improve your money management skills. Save for your childrenโs future but remember: itโs the parentsโ duty to provide, not the kidsโ. Raise them with love and good values so they can thrive and give back someday.
At the end of the day, ang financial success ay teamwork. Always remind yourselves that youโre on the same team. Kung gusto niyo ng magaan na buhay, โPlan your finances together today to live stress-free tomorrow.โ ๐