Uy, okay lang kahit hindi ka strong ngayon.

Ang hirap kasi kapag ikaw ang inaasahan ng family mo tapos nangyari pa ‘tong pandemic. Parang wala kang karapatan magpakitang weak ka, lalo na in a time like this, because your family look up to you and they expect you na gumawa ng paraan.

Haaay! Yakap, Breaker, and shake off muna the pressure.

Hindi madali ang pinagdadaanaan mo pero hayaan mong samahan at tulungan ka namin.

Listed down are financial tips that can help you manage through this crisis as a breadwinner of the family.

1. Be honest sa family mo.

Kumusta na ba ang status ng finances mo?

Open up mo ‘to sa kanila by setting up a family meeting.

“Everyone should be involved. Everyone should know that there will be sacrifices that needs to be made,” sabi ni Chinkee Tan in an interview with Bianca Gonzalez in Budget Tips and How To Stop Worrying | Paano Ba ’To with Chinkee Tan.

Kung dati kinakaya mo lang mag-isa, now you have to learn to communicate to your family na ganitong amount na lang ang natitira sa ‘yo.

Magtulungan kayong ma-stretch ang budget niyo sabi ni Chinkee. Kung kinakailangang sabihin sa kapatid mo na tama na muna ang kaka-check out, then let them know tapos pabasa mo ‘tong online shopping tips para sa mga marurupok article.

Sometimes kasi hindi nila ‘yun nare-realize kaya ganoon na lang sila gumastos at makahingi unless you speak up and share that you are struggling.

You need to help them understand na lahat kayo need mag-adjust, okay?

2. Maghanap ng iba pang pagkakakitaan.

Open up mo rin ‘to sa family mo kasi baka may kakilala silang puwedeng mag-connect sa ‘yo sa bagong opportunity to earn.

Kung wala naman, we gotchu. Check out this article where we shared ways na puwede mong pagkakitaan during the pandemic.

Important kasi that you do not rely to only 1 income stream because tulad nang nangyari ngayon, dehado ka sa 9 to 5 job mo, hindi mo na tuloy alam kung saan ka kukuha nang pang-gastos niyo.

Gets?

So, maganda na kapag nawala ‘yung isa, mayroon kang reserba. Pero please, sa jobs lang ‘to ah. Hindi sa love life. Stick to one lang dapat, okay?

Pinapa-smile ka lang.

3. Mag-save!

Mag-save kahit masakit. Mag-save kahit maliit.

Medyo real talk tayo dito Breaker, ah.

You may be asking, “Eh paano naman ako magse-save? Sapat nga lang kinikita ko pambayad ng pang-gastos namin?”

Sapat nga lang ba or excuse lang?

Kasi sa ilang taon mo nang nagwo-work, hindi ka ba nagsasawang sabihin ang mga salitang, “Grabe! Saan na napunta ang suweldo ko?”

Baka kailangan mo lang mag-adjust and to really avoid unnecessary spending.

Ang ganda ng sinabi ni Marvin Germo in his article HOW TO SAVE MONEY WHEN YOU’RE THE BREAD WINNER, “If you can’t make your earnings a little bigger, make your expenses a little lesser. Minimize your expenses so you would have more extra cash to put in your savings account. Prioritizing saving comes with minimizing your expenses.”

And, kung kaya mo na, start building your emergency fund para ready ka to cover 3 to 6 months of your living expenses just in case something unexpected happens (tulad ng COVID-19 na ‘to).

Naka-help ba ‘to sa ‘yo?

Share mo naman sa comment section.

Before you leave, we just want to THANK YOU. Grabe ka! Ibang klase ang hard work and determination mo to help your family.

Hindi ka man madalas nakakatanggap ng appreciation sa mga sacrifices na ginagawa mo, know this, kita ni God lahat nang ito and He will surely reward you for all the hard work you have done.

Gusto mo pa ba Siyang makilala?

Basahin mo ‘to and you will discover na all along Siya talaga ‘yung Someone na gustong tumulong sa ‘yo at iparamdam na hindi ka nag-iisa sa laban ng buhay. He cares about you and your family higit pa sa inaakala mo.

Kung ayaw mo magbasa, puwede rin naman kami ka-text or ka-call. Text us at 0999-227-1927 or call 8-737-0-777.

Eh ka-chat? Puwede rin.

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