Skip to main content

trial experience

and so i used envelope budgeting and achieved some results: not that astonishing though. i budgeted my last Php1732.00 yesterday to make it last until tuesday, just before the next pay day. i got 4work nights and 2 offs. i need Php250 per work day, which means Php1000 so i still have extra Php732 since i dont have debts and bills to pay for now. that's a good sign considering i'm already thinking that i'll have no money when tuesday comes. what makes it work? here are what i saw


  1. big view on a small scale - i never get to see the whole picture when i spend or swipe: especially swipe. because there's something with buying that makes me feel easy and comfortable that i want to do it again. without consulting the purse. but last night i saw the details on my spending. i know i love food and that was the time i realized that i eat for comfort. so, i know i spend too much on that part and that's where i need to watch out.
  2. preventive measure - knowing that i only have money for food and transportation made me back-off on those luscious donuts with custard inside and icing on top. need i say more?
these are just two of, i should say, benefits that it can offer. i have some more at the back of my mind. but i just got back from work and i want to sleep. so, ponder on these for and i'm pretty sure you'll have your own list once you've tried this envelope thingy.
Labels:

Popular

saving money weekly

I came across a an idea called 52 Week Money Challenge. Let me share to you how it works. The idea is to save Php62,900.00 in 52 weeks(one year) and we start with only Php50.00. What is it? From the label 52 Week Money Challenge, it's a Challenge. It's about saving Money. It runs for 52 weeks (1 year). In a nutshell, you religiously save an increasing amount for the whole year. How do you do it? For the first week, you save Php50.00. On the second week, you save the same amount as last week, which is Php50.00 - plus additional Php50.00. That's Php100.00 On the third week, you save the same amount as last week, which is Php100.00 - Plus additional Php50.00. That's Php150.00 On the fourth week, you save the same amount as last week, which is Php150.00 - Plus additional Php50.00. That's Php200.00 You repeat the cycle for one year or 52 weeks. Enjoy your money. Minimum Requirements: Make sure you can wait for one year You have an income for at leas...
Read more

On Philippine Constitutional Reform

For years, my country, the Philippines, has lived under a plague of uncertainty, disorientation, and quiet despair. It’s not even dramatic anymore; an undeniable pessimistic prognosis. I’ve witnessed graft, corruption, and bribery so many times across administrations, from Ramos' all the way to Marcos'. To which, the electoral process itself feels less like a democratic ritual and more like a cyclical delusion. Trust eroded not in one catastrophic moment, but in countless small betrayals. If you know what I know, you will not vote either. Yes, I stopped voting from Ramos. Don't ask. Halfway through a PGMN YouTube episode “ The Ultimate Discussion on Constitutional Reform ” hosted by James Deakin, something snapped. I paused the video, sat back, and realized: I’ve heard this same conversation for decades. The panel was articulate, the arguments compelling, and the intentions sincere. They circled around a central thesis: the constitution needs to be changed. And on that, rig...
Read more

How big is too big? Contextual Stratification Knowledge Framework Primer

  We usually think of size as a smooth continuum—small, medium, large, enormous. But reality doesn't work that way. There are specific thresholds where the rules fundamentally change, where "bigger" doesn't just mean "more of the same" but means "different kind of thing entirely." Consider a sand pile. Add grains one by one. At what point does it become a "pile"? This isn't just semantic—it's about when collective behavior emerges that individual grains don't have. One grain can't avalanche. A pile can. The transition isn't gradual; it's a phase change where new properties suddenly appear. Or consider social groups. A conversation between two people follows certain dynamics. Add a third person, and the dynamics shift—alliances form, mediation becomes possible. Grow to ten people, and you need facilitation. A hundred people require organizational structure. A million people need institutions, laws, and governance ...
Read more