I grow up in a family where money
is not something to play around with since we’re a big family. We grew up
getting only the necessary things and saving the remaining for future expenses.
I grew up in a simple life and that made me realized that money shouldn’t be
wasted on things that are not necessary, and so I became thrifty.
I became thrifty not because I
have so much to spare but mainly because of Lola who keep asking me where I
spend the small amount of money she gives when she gets her pension (she gives
me 100 pesos every month back then lol) and then when I tell her that I only
have twenty pesos left, or even coins, she’ll give me this disappointed look
and will lecture me to save for myself as she knows that we are not rich. At a
young age it was instilled in me that saving is not something you can do for
leisure, it’s something you have to do as to be prepared for life and
emergency. And all of that learnings paid off.
Savings made me more comfortable
and confident especially when I was in college since we tend to have some unexpected expenses that need to be taken care of. During my schooling, it’s kind of hard
for the whole family since we are two who are both studying in college at the
same time together while our youngest is in grade school. I applied for a scholarship grant that gives allowance and I saved those as to not ask for
money from my parents for some projects since the degree I took was already
known for being expensive.
If I am being honest right now
I’m not sure if it’s a good thing anymore, well at least part of it. Saving is
really helpful and a must for everyone since there is nothing permanent in this
world. It’s just that I started getting anxious when my savings go low beyond a
specific amount and I tend to see things under a peso sign. I’m not saying I
became ‘mukhang pera’ but more likely I based by decisions where I can still have a good amount of money under my sleeves, it started to feel like saving is a safety net.
I’ll admit that lately, I’ve been
a spender and it’s not something I’m proud of but still wants to share. I think
it has something to do with the fact that I feel deprived of the things I
wanted while growing up- material things- and now that I am working I can
finally have the things I wanted because I know that I am working and I have my
own salary to spend with.
It went out of hand if you’ll
base it on my standards. I depleted my savings and ruin my savings plan that I
was following. Well, to be fair I think I’ll have those spending spree a pass
since I’ve been stress out lately and I realize that it serves as a treat for
myself.
People need a break and pampering too!
People need a break and pampering too!
On the other hand, despite myself
not wanting to condemn herself, I think I reached a point where my reasoning feels
like an excuse which is not justifiable.
I cannot treat myself every time I feel like it. I can’t eat out a few times a week just because I feel tired when part of the reason I am tired was that I binge watch from Netflix and kill time on social media!
I can’t have subscriptions to a lot of entertainment platforms for my entertainment when I don’t use them that often!
I cannot treat myself every time I feel like it. I can’t eat out a few times a week just because I feel tired when part of the reason I am tired was that I binge watch from Netflix and kill time on social media!
I can’t have subscriptions to a lot of entertainment platforms for my entertainment when I don’t use them that often!
It’s not that I don’t want it but
more because I can’t manage it as it is leaning more to being bad. I want
myself to realize that getting a treat doesn’t always mean you have to spend a
lot! Take a rest and have fun if you must but live within or even below your
means!
Don’t waste your future by being
irresponsible in the present.
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