pizzakimpua rough monthly breakdown (in PHP)
3k apartment upkeep (pasig)
5k home upkeep (baguio)
10k monthly savings
10k monthly allowance
3k extra cash 4 months ago
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Recent activity
RajeevExpense reduction
Realized that the basic stuff like housing, groceries, utilities, various fixed fees don’t cost much. It’s the stuff you don’t need, is where all the money goes. Have cut a lot if that. 8 months ago
rachel_ebMy next steps:
By September 2012:
- negotiate bank fees
- negotiate internet and phone fees
- separate regular payments to a new credit card (better visibility on spending) 9 months ago
rachel_ebProgress so far:
- half the assets were moved to an investment manager.
- budget planning simplified
- budget is balanced
- increase income – took a small project that I enjoy and brings a small extra “guilt-free” spending money
- have not handled the kids savings yet 13 months ago
rachel_ebWhat does this goal mean for me in detail?
Here is what it means:
Manage savings:
Manage savings:
- pass half the savings to investment manager
- keep the other half in a “safe” or “conservative”
- manage the kids savings – invest them better and for longer term
Balance our budget - make sure we manage to save every month
- simplify the budget planning!
Increase income (already in progress) 21 months ago
