I agree. Hindi naman tayo minimum wage workers living below the poverty line na yung income natin hindi talaga sapat to cover our basic needs.

It's really more of your mindset and willingness to live within your means. A monthly budget helps. Basic equation is Income - Savings = Expenses. As an employee, your income is pretty much fixed, but you're in charge of setting how much you want to save. 50%? 30%? 10%?

I think 20% is doable for most. If you can go higher, better. Then, from the net amount after you've automatically subtracted your savings, that's where you base your monthly budget.

If you convince yourself that your monthly disposable income (after savings) is just, say, 20k, then make sure to live within that budget. Isipin mo, yun lang talaga sweldo mo. Wag mo isipin na meron pa yung money allocated for savings.

Track your expenses and cut down on what's absolutely necessary only. Why 2 cars? Why not sell the other one, then Uber once a week? Maybe borrow your lola's car once a week? Perhaps less shopping on Amazon? Again, the key is to think like you only have very little income, and live within that constraint..


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