Bago ka gumastos ng bongga, tantsyahin mo muna kung kakayanin ba ng budget. ‘Wag iasa lahat sa 13th month pay!
It’s the most wonderful time of the year… pero baka rin the most expensive at magastos? To enjoy the holidays without the stress, start with a simple budget.
Here are 4 holiday budgeting tips that’ll leave you feeling secure, accomplished, and ready for a fresh start this new year:
Set a realistic budget for gifts, food, and other ganaps.
Hindi kailangang gumastos nang sobra-sobra para magpasaya. Before you decide on what to splurge on, list down the people you want to give gifts to, expected meal expenses, and any party needs. Lahat ng ito dapat naka-categorize at may dedicated budget for each — that you should stick to religiously.
Start with a cash-only mindset.
Kung gusto mo talaga makasiguradong pasok lahat sa budget, walang kulang, walang sobra, cash is your go-to mode of payment. When you see what you’re spending physically, mas madaling i-track at bawas utang din. If you can’t avoid cards, set a max limit para hindi masaktan ang January wallet mo.
Look for small ways to save.
Lahat ng uri ng pagtitipid counts! From homemade gifts to potluck dinners, small changes can add up. Consider mo rin na medyo mag-DIY this season, kahit sa home decorations. Not only does it save money, pero it adds a personal touch sa holiday cheer.
Reward yourself with peace of mind.
Imagine welcoming 2025 na hindi nagwo-worry sa gastusin—’di ba masarap sa feeling? Stick to your budget, and you’ll feel that sense of payoff and security. Tandaan, yung iba-budget mo ay hindi lang para sa ngayon; it’s a gift to yourself for a fresh, financially secure new year.
Mas masarap mag Pasko at New Year kapag alam mong naka-budget lahat. Ibig sabihin, you’ll enter 2025 for all the amazing things coming your way! 🎉
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