Real talk: Budget mistakes we made as OFWs 🤯 | Retired OFW

[@GMvlogs_21]

I can relate to this kasi it’s our first year as a couple and nung first months ng marriage namin, we combined our income pero parang nagsabi din si hubby ng almost same line sa sinabi ni kuya 😅 so I said sige we separate nalang, we do it as an experiment ng one year and see how it goes. Nag re-evaluate kami around August of this year and decided to combine again dahil sa exact same reasons na negative na nasabi nyo po especially iyong may feeling kanya kanya and no common goal pag separate ang pag manage nyo ng finances. Praying and believing the Lord for wisdom padin and grateful na may mga videos like yours na we can watch and learn from. Thank you so much for being an inspiration sis. I watch all of your videos. Minsan inuulit ulit ko pa 😁 God bless you and your family. -OFW from UK 😊

[@guilfordday43]

Hello Sis. I am learning a lot from you. Looking forward to meet you in person, please ignore the bashers. You are. a great help to OFWs and Filipinos in Philippines as well.

[@PausePraySimplify]

Thank you thank you, Guilford! This means a lot! Sobrang nakakaencourage. Maraming salamat sa feedback. Sana mas marami pa tayong maabot na OFWs. Ang dream ko walang OFW na uuwing luhaan, lahat asensado. I'm sure dream din yan ng lahat. Kaya, #TuloyLang Salamat ulit ha! :) Super.

[@jppemom1186]

I've been watching your vlog lately, really enjoyed watching them.I just finished the House Building Philippines and now planning to watch the Apartment Business Tip. So much learning on it. Thank you!

[@PausePraySimplify]

Hala sis maraming maraming salamat sa panonood. Shocks, parang di ko kaya ginagawa mo di ko mapakinggan boses ko 😅. Salamat for finding value in it. Am pumped! Thanks again!!! 😊

[@sept.m9458]

Very well explained ma'am.. 👏 👌 Kudos po sa n u Lalo kay engr.. D lahat ng lalaki ay sumasubmit sa ganyang style of budgeting Lalo pag malaki ang kinikita ng Mr. kaysa ka Mrs. I admire ur alpha type of a character ma'am, it's nice to know that both u and engr. personality and character blend perfectly... Kaya Sarap mag follow sa mga ganitong vlogger.. KUDOS 👏 👏👏

[@PausePraySimplify]

Hi Bro! Yes yes I agree! My husband deserves a big pat on the back, super bait at talagang nag-cooperate talaga siya para ma-achieve namin ang aming goals together, by God's grace. He knows the value of us working as a Team and I value that. I always thank him for working hard for the family and for all his sacrifices talaga. Bale ang totoo ay naga-submit kami sa isa't isa. Mostly, ako naga submit sa kaniya dahil yun ang design ni Lord. Kaya nung nagsabi siya na magkaniya-kaniya, nagsubmit lang ako. Experiment lang. Pero nung hindi na siya happy sa kaniya-kaniya, nagsabi siya na combined income na ulit (which I prayed for the Lord to change his heart), talagang nahappy ako. Balik na kami sa joint resources. Praise God for the intervention. And yes, it's true na hindi lahat ng lalaki ay payag sa ganung style ng budgeting. Ang hirap kaya, aminado ako doon haha! Kahit ako rin naman, di ko hawak ang sahod ko kaya alam ko mahirap. Also, lastly, sabi kasi nung mentor ko na si Dave Ramsey, kung sino ang mas may disipline and magaling maghawak ng pera, siya ang mag-manage. Kung nagkataon na si Abet yun, ako naman ang mag-eentrega sa kanya. So patas lang. Bawat isa may role at contribution. Ayun. Salamuch salamuch ulit!!! Lagi kang andiyan. Katuwa! :)

[@GeneXer899]

Thank you Sis for your budget tips. Isa din po akong OFW at matagal na sa abroad, dati walang direksyon ang kinikita ko kasi panay padala sa pamilya at isang spender din ako, palibhasa single kasi, bili ng mga bagay na di naman needs kundi wants, napakalaking realization etong pandemic na nangyari at dahil sa lockdown so ang mga tao panay sa internet ginugugol ang mga extra time at nagkaroon ng time pag aralan about financial literacy, at ini apply ko sa sarili ang natutunan ko, kaya now im happy at natuto na paano i manage ang perang pinaghirapan.

[@PausePraySimplify]

Congratulations, Marilou! 🥳🥳🥳 I agree, minsan talaga sa una medyo maluwag pa tayo sa kinikita and family nauuna. Pero the best part is nakapag-adjust ka na and you're now investing in yourself, in your future 😍. Your future looks bright for me. #TuloyLang Thanks for sharing your experience! Nawa mas marami pa tayong maabot na kapwa OFW! Let's change the narrative this time. My dream is walang OFW na uuwing luhaan. Hope you can share this with friends who you know will benefit. Salamuch in advance!!! 🥰🥰🥰

[@GeneXer899]

@@PausePraySimplify Yes, Sis! It’s my mission now. Thank you so much for the reply. 😍❤️

[@rfpdl]

Thank you for the video te! Good job! Samin combined salary kami, it goes a long way.

[@PausePraySimplify]

Salamuch Boy! You guys are doing a good job in your finances! Proud ate here! 😊😊😊

[@sontalkjasondiaz3163]

Maganda talaga pag babae is marunong mag control nang pera. Sana all. I am so bless for you sis. Kitang Kita Yung team work ninyo.. God bless you both more.

[@PausePraySimplify]

Salamuch salamuch bro! 😊 Nagkataon lang ako ang mas disiplinado sa pera. Pero in case na siya ang ganun, siya naman papacontrolin ko ng income namin para sure 😅. Salamuch salamuch sa panonood ha. God bless you too! 🙏

[@joelespanillo6234]

You really made a good set up of budgeting, which is pagsamahin your both income and make a common goal.. It's good for you kasi both of you are working and have income, unlike yung ibang couple or family, yung tatay lang na OFW ang source of income, but still they are able to have an effective and successful budgeting and expenses. It will be a good set up really kung ang nanay ang syang maghahawak ng pera but both Nanay and Tatay have to discuss all savings, expenses (budgeting) and any other plans for having passive income but, the Nanay should be responsible enough to handle the yung sweldo ng Tatay..

[@PausePraySimplify]

Hi Joel! Uu, talagang di ko mapagkakaila na grasya ng Panginoon na parehas kami kumikita and medyo limited din ang gastos kasi wala pa kids (Lord willing nagkaroon na sooooon). And yes, tama ka sa obang OFWs isa lang ang kumikita. But I'll make a video on that later on 😊. Na pwedeng kumita rin ang mga spouses na naiwan sa Pinas. Egggcited na ako for that. 😊 Ideally, Nanay talaga magbabudget dapat 'cause she's the manager of the home. But pwede rin magswitch kung mas masinop sa pera ang Tatay. So wala namang fixed roles, for me. Whoever is good at it, let him or her be in charge. The other is the support system. That way Teamwork pa rin. Everybody wins. Thanks for watching and for sharing yout thoughts with us. Sanalahat tayong OFW can all cheer for each other and lahat tayo aaseso, Lord willing! Kaya #TuloyLang 💪

[@Arlenekorea]

hi sis, looking forward as well for more experience advice. im here as well as decade, and looking forward to go home. but till now no investment and ipon. my gosh.. God help us

[@PausePraySimplify]

Hi sis! Anyeong! 😊 It's okay to not have anything for now. What's not okay is to remain that way. Kaya kudos to you for taking steps now. That is your most important decision in life. Will be uploading more videos sooooon. But meanwhile, we have a number of videos na rin that you can use, especially yung retirement planning video. Hope this community can be of help to you. You are doing a good job by making changes because the change starts from you. Kaya yan ha. Tiyagain mo lang. #TuloyLang 💪 I will do a video specifically on this next week, Lord willing. Pagalingin ko lang pimples ko 😅 Thanks for watching sis.

[@abbydilayts268]

Hello po. Ask ko lng po kun sulit po ba un Zurich insurance nio? Nabanggit nio po on one of your videos na meron kau Zurich insurance. Pinagiisipan ko po kun kukuha kami magasawa. Thanks.

[@getgrizzles]

Watching from UK, nakadirect debit ang MGA utilities at ibang gastusin at savings, kaltas kaagad SA sweldo, Yung HSBC account pinapakita ang balanse mo before next sweldo. Eto na Lang gamit ko, somehow it works Naman. Thank you Ja🤗

[@PausePraySimplify]

Hello TeGet from UK!!! 😊 Maganda rin yan naka-automate na para iwas kalimot, lalo na kung naka-automate ang savings! One of the best ways to save! Great job Te!!! Thanks for sharing! #TuloyLang

[@gracedalangin1064]

Thank you po for this. Will keep this in mind 😊

[@PausePraySimplify]

Lalo na sis kapag.. 🥰🥰🥰

[@gracedalangin1064]

🙏🙏❤️❤️ hehehe

[@Frklenton90]

God bless po sa advice ofw po ako marami akong natutunan🙏

[@angpapakosabukid]

Thank-you for sharing

[@jojosantos9920]

Hi madam ask ko lang po if nagfranchise po ba kayo sa business or sariling brand po yung lemon at ibang business niyo? Thanks

[@nevermind7884]

The help fund is a great idea thank you!

[@PausePraySimplify]

Yey! Glad you think so too! Mas madali na siya kasi naka-itemize na talaga. Pero adjustable pa rin siyempre 😊 Thanks for watching! 😊

[@roylabastida300]

I really loved the way you explain everything ma’am, nakaka inspire yung Usapang economics niyo po, nakakatuwa naman po kau ma’am, nakakatulong po kau sa aming mga nag uumpisa din. Hehe😅🥰🥰

[@PausePraySimplify]

Salamuch salamuch bro! Salamat din at nakakatulong ang aming experience. Medyo nakakahiyang ikwento pero basta makapulutan ng aral, go ako diyan. Salamat ulit sa panonood! Video # 56 mo na ata 😅. God bless bro! 😊

[@roylabastida300]

@@PausePraySimplify haha, manunuod pa po Ako ma’am. Haha

[@PiaPie]

Sa Amin Po Asawa na sahod is all expenses lahat pati rent then salary ko is savings and investment.

[@wenacastillo6641]

This is very helpful. Pero sa hindi detail-oriented na kagaya ko masyadong technical para skin. 😅 Hinahati ko lang sa tatlo ang pagbudget ng income ko. For giving, for expenses, for goals. 🙂

[@PausePraySimplify]

Wow! Yes yes, the simpler the better! And if it works for you, yun ang best part! 😊 Thanks for sharing, Wena! Baka may kagaya rin sa budget mo sa mga Tangay natin na nanonood.

[@wenacastillo6641]

@@PausePraySimplify Yes po. I share this channel to my friends po. 😊

[@PausePraySimplify]

@@wenacastillo6641 wowwww!!! Salamuch salamuch! Encouragement samin yan. Thanks ulit! 🙏

[@johannalcaraz7401]

I GOT TRAUMA, TERROR IN MY MARRIED LIFE, before when I gave all my whole salary to my wife and she did not even want to give me my allowance so i can go to work, and also even to my wallet she's emptying everything when i leave it in our room, she also sold our wedding ring that I worked so hard when I worked as an OFW, when she work her salary is only for herself, and all the basic bills, house, grocery, food electric, school of children everything is mine to pay, I did not get lucky on getting a good wife.

[@PausePraySimplify]

Oh no! I'm so sorry to hear this Johann. Ideally, the husband and wife should work as a team. You win together and you'll fall together. You share the burden and the blessings in marriage. And both should cooperate and understand this setup. There's no more "my or mine" in marriage but "our or ours" only. The best setup is to let the person who knows how to handle money, be the one to manage the family income. So it's not necessarily the wife all the time. In your case, since your wife isn't good with money, then you can handle the budgeting for the family. So everyone benefits. So sorry again for this. Hope everything would still work out for you and your future 🙏

[@keneth_15]

magkano po kuryente nyo lagi po bng Buhay Aircon nyo

[@pambongdomingo]

Maam gawa naman kayo ng video tungkol sa pano yung tamang method ng budgeting Ofw dairy farming po sa new Zealand 1 year na po peru sad to say 😢 wala pang ipon.

[@PausePraySimplify]

Hi Bro! Super sorry for the late reply. Meron na tayong video sa pag-budget: kzbin.info/www/bejne/h2nMXpl5j8-NrKssi=D9gg5KSUzMomfIjA This is just a guide ha. Just use the principles that can help you in your context. Hope maging okay ang iyong journey! God bless and hello to our friends in NZ! 😊

[@earlpogs]

Hi Ma'am Janice. Thank you for this very helpful channel. Tanong ko lang po, san po kinukuha ni Eng'r. Abet yung para sa gifts niya sayo? Nakabudget din po ba yon? :) Yan kasi yung isang part na nahihirapan ako sa zero-based pooled budget scheme. Some women (or most?) have gift-giving as their love language, so nakikita ko po na masaya siya pag binibigyan ng gifts but when we started to pool our income, parang nawalan ako ng capacity to do it. Any thoughts based on your experience?

[@PausePraySimplify]

Hi Bro! Uhm, sa totoo lang naku may pagkaweirdo kasi ako. Ayaw ko ng mga gifts-- roses man yan chocolate, jewelry, bags, or anything else. Sa damit napakapihikan din at minsan lang talaga napapabili. But if may kailangan ako or may gusto akong bilhin, sinasabi ko sa husband ko and sinasama namin sa budget for the next month. Kung urgent na ngayon na, may Contingency Fund kami for that month and pwede naman magbawas sa Reserved Fund kung urgent and gusto ko siya talaga. 😊 Hindi siya nag-aapply sa iba kasi magkakaiba ang mga wifey and hubbies. So adjust lang tayo ng budget based sa mga personalities natin 😊. Pwede ka mag-allot ng specific amount monthly for Leisure Fund/Gift Fund kung wala kayong binabayarang urgent na utang. The idea is to build a habit of setting aside money for your needs and wants and to discourage impulsive buying. Halimbawa, for your wedding anniversary, Valentines and birthday, since may exact dates naman yun, you can include those in your budget agad. Kung surprise gift naman siya, pwede mo ipa-adjust ang Allowance mo to include funds for gift giving. Pwede mong sabihing may bibilhin ka na important. Parang ganun. No hard and fast rule, basta ang idea is building discipline. 😊 Thanks for watching! 🙏

[@earlpogs]

@@PausePraySimplify Wow! Super thank you po! I was amazed by how quick you responded and with very insightful advices too! (Despite being on the other end of the spectrum. hehe.) Your ideas make sense po. We will definitely try them. Salamat po! May God bless you more!

[@PausePraySimplify]

@earlpogs my pleasure bro! God bless your heart for wanting to honor your partner's love language. 😊 Thanks for watching ulit! Enjoy your day!

[@thelmacais09]

Combined salary po kami ni hubby Ma'am Janice😊 and ako po ang ng bu-budget pr sa lahat ng aming mga bills & expenses pero meron din po kami allowamce for us now😍 Salary- savings-investment-reserved fund= expenses for the month n dapat pagkasyahin kahit anong mangyari hehhehe...bawal kumurot sa savings unless talaga pong emergency. Failure din po kasi kami b4 about budgeting when we are newly wed together pero tumagal n ganon kaya nakakalungkot. But now we are working hard to save for our dream apartment, in GOD'S WILL I hope matupad po soonest 😍 Thank you so much and God Bless🙏

[@PausePraySimplify]

Wow Thelma! You're doing an amazing job! Super nakakaproud! 😊 And yes syempre sa umpisa may failures (sino ba wala😅), pero I read somewhere that "Failures are just practice shots." Kaya now you are doing better kasi practisado na. Am happy for you! May the Lord bless all your efforts and grant you your dream apartment in the future 🙏🙏🙏. Thanks for sharing your budget setup and for watching syempre. P.S. Janice, Ja or Jaja nalang ha. Allergic ako sa Ma'am.

[@TheVillanuevas18]

Kmi ng hubby ko both OFW din po kami here in kuwait. We have our budget plans din po i do it excel sheet nmn. Ako po ung ngbubudget since samin dalawa ako ung mgaling sa budgeting. We both believed na kung sino ung mgaling humawak ng pera cia ung magbubudget pra mas maging effective ung pagiipon. pareho kmi kumakita and we combined our earnings though we managed to live in one salary.. sa budget plan kz nmin ung expenses nmin for month (house, food, baby sitter, baby’s expences, internet, pdala sa both families, tithes, allowance ni hubby) ksya na po ung salary ng isa. While ung isang salary un dinedivide ko for our savings and investments (HMO nmin ni hubby, mutial funds, Mp2, emergency fund, cash savings, both SSS nmin) we keep cash savings always kz mrami lagi ngbebenta like properties na mbibili mo ng mura if urgently in need ang ngbebenta. Right after our wedding ganito n po setup nmin.. and happy nmn po c hubby sa result kz nkakaipon tlga kmi and ngkakapag pundar. lagi nia po tinitingan budget board nmin kz every month ngpprint aq at pinipost q sa board nmin. Very transparent din aq ky hubby since pinagktiwala nia sahod nia sakin i always make sure din na alam nia kung san napupunta earnings nmin. in 3yrs na kasal kmi aside po sa savings ang investment nmin meron nrin po kaming mga properties na nabili and in God’s grace ung isang property na nabili nmin ay plan din nmn patayuan ng apartment by 2024, inaantay lng nmn na mafully developed ung lugar.

[@PausePraySimplify]

Wow!!! Congratulations sis! This is the best setup there is--combined income and teamwork ang mag-asawa sa lahat ng bagay. Lagi nga sinasabi, "You win as one, you lose as one." And yes, kung sino ang mas magaling mag-handle ng pera, siya dapat ang gagawa nun regardless kung ang babae o ang lalaki ba. Then ang other half would show support. I can see that you're on the right track! Mabrook! #TuloyLang

[@TheVillanuevas18]

Thank you sis, palagi nmin pinpanuod ni hubby vlogs mo lalo n ung related sa pag papatayo at pag mamanage ng apartment..

[@Toylakwatsero]

Hello po ma'am kami ng partner ko combined budget...may kanya knya din kming allowance hehehe...pero almost sya ng bbudget ☺️☺️... Thank you po s mga tips...laking tulong tlga s amin ng partner k yong mga advice at tips nyo n sir abet... God Bless 🙏 po and stay safe sa nyo n sir 🥰

[@PausePraySimplify]

Wow! Same pala tayo! Nakakatuwa! 😊 so may mga naga "allowance" din pala 😅. Sabi ko akala ko corny na ang style namin, nagwowork din pala sa iba. Baka nga mas marami pa ang gumagawa. You're on the right track, Abet. Kudos to your partner! Praying for the Lord to bless your plans 🙏 God bless and stay safe rin! 😊

[@Toylakwatsero]

@@PausePraySimplify yes po ma'am mas maganda po tlga may kanya knyang allowance lalo n may target goal kayo... khit po s mga kids nmin may allowance din sila praa habang bata p sila marunong n sila mg budget☺️ ...shout out s mga ofw dyan.... follow nyo si sir abet at ma'am sure madmi kayo matutunan pra s pinaghirapan nyo bilang ofw🥰🥰🥰sabi nga ni ma'am d tayo habang buhay n nsa abroad uuwe at uuwe prin tayo☺️☺️

[@jkrisduran]

Love it keep it up God bless always!

[@PausePraySimplify]

Thank you thank you, bro! Salamat sa laging panonood! Sa next Usapang Pera video, will include a portion of our collab! :)

[@jkrisduran]

@@PausePraySimplify no worries sis basta importante spread the word and inspire our kababayans

[@Lalah099]

Thank you!!!watching from hk

[@PausePraySimplify]

Hi Bia! Salamat sa pagbabalik! Talagang present ka lagi! 💪

[@Lalah099]

@@PausePraySimplifyyes po welcome po..

[@redletters4026]

During OFW season,nasaan po kids nyo? Sa malaysia or dubai?

[@PausePraySimplify]

Hello Po. Naku, Trying To Conceive po kami, maga 11 years na kami kasal. Hindi pa binibigay ni Lord so far. Praying na ibigay Niya na soon. Yun ang isa sa mga dahilan bakit ako nag-resign sa work dahil sa stress and burnout. Lord willing soon meron na. We are patiently waiting. Kaya makikita nyo yung video na may kinocross out ang husband ko na 'Baby Fund' - pang IVF sana namin yun, kaso hindi natuloy. So, isa na rin yung dahilan kaya mababa din ang aming expenses dahil wala pang kids. Nakalimutan ko pala banggitin sa video na ito. Sorry po ah. Nabanggit ko siya sa previous video on Budgeting. Akala ko nabanggit ko dito. Sa Malaysia, ang pinapadalhan ko si Mama and sister ko na bata pa for her college plan. Si Abet naman ang pinapadalhan nya sa Pinas ay ang parents niya. Ayun po. Thanks for watching! 😊

[@redletters4026]

@@PausePraySimplify thanks 4 the reply,ALL the best po.God bless.

[@PausePraySimplify]

@@redletters4026 God bless din po! :)

[@jadenraygayola3854]

@@PausePraySimplify k

[@pinunotv6002]

Magkano sahod nyo po per month that time if okay lang pero kung hindi nyo po masasgot ayos lang po

[@PausePraySimplify]

Aduy, naku medyo di pa po ako makadecide na i-share. Pag-iisipan ko po ah. Pero 'di naman po kalakihan, 'di rin kababaan. Sakto lang po. Average lang siguro. Pasensya na po ah.

[@rogel9942]

Ganun din kme ng mrs. ko ma'am pinag isa namin sahod tas diagram ko budgeting naka lagay sa dingding(pader) 😊 loan, sss, philhealth,pag-ibig,insurance,padala allowance mga anak nmin, tuition fee,allowance nmin,emergency fund.. mula input-processing-output 😊 ayus naman naka build kme ng house namin 2 storey at apartment 11 units saka lot farm.. consistency discipline sacrifice patience lang di namamalayan nalipas ang taon nakakabayad sa utang halos win parin umutang kapag real estate dahil sa inflation ngaun halos triple na materiales pati lot mabilis taas ng value kaya enjoy at go lang ng go stress mag project pero compliment nman after finish😊 OFW italy work nmin d2 bahay magaan lang linis linis 😁 ang value learning( YT) KZbin University soon to be entrepreneur learning muna sa mga principles 😊 salamat ma'am marami learning channel mo valuable 👍GOD BLESS

[@PausePraySimplify]

Whoa!!! Astig! Congratulations, Rogel and to your wifey!!! Ang galing! Glad to know about your story. Teamwork talaga and nay monitoring and discipline. And yes, pasasaan ba at matatapos rin lahat ng bayarin 😅. You're on the right track! KZbin really is good for learning. Sobrang valuable ang maraming content. Kaya #TuloyLang Salamat at napadpad ka sa aming munting channel bro! Hello na rin sa mga kabayan natin sa Italy! Sama-sama tayong aasensyo prayer ko 🙏🙏🙏

[@primatrader]

yung hindi nagwowork na budget is because matigas ang ulo nung partner, hindi sumusunod sa usapan. paano ba masusulusyunan yan sis?

[@PausePraySimplify]

Hi PrimaTrader! Naku, mahirap nga ang may partner na hindi sumusunod sa budget. I'm not sure how the partner operates/thinks. Mostly, ang hindi pagsunod sa budget ay dahil sa: 1. His/Her negative relationship with money growing up: either extreme ang budgeting sa household or wala at all. 2. Hindi niya pa naiintindihan ang BIG WHY ninyo why you're budgeting. Your WHY should be your guiding principle for all that you're doing. 3. Feeling niya restricted siya masyado sa pag-budget. 4. Hindi niya pa nakita ang value ng pagkakaroon ng Reserved Funds (savings), and dependent pa siya sa utang kapag may pangangailangan. So maraming reasons kung bakit hindi naga-stick sa budget ang partner. What I can share is what I did when we faced this dilemma. Minsan siya ang di nakakasunod, minsan ako naman noon hahahaha! I prayed for both of us night and day, and for our finances. I prayed for God to help us manage His resources and give us financial discipline. Then, most times, my husband and I would sit together to plan the budget. Ako nagsusulat, tinatanong ko lang siya. Actively siya nagbibigay ng inputs and then sinusulat ko. I make sure to ask if he needed or "wanted" anything that I should include in the budget. Then sa Allowance niya, I ask din if kasya na ba. Kung may big purchases siya, we sit on it and discuss casually, no pressure or anything. Ako pinapakita ko rin na I follow the budget, I always update him. And kapag may nasesave kami, I make sure to inform him and congratulate him for his efforts sa pagstick sa budget. I always thank him for his sacrifice, for his discipline. Palaging positive reinforcement. Kung makikita mo sa video sa part na 10:12, may clip pa ako na siya ang pina-mark ko sa aming target. Na na-hit namin yun kasi nag-cooperate kami. Teamwork talaga. And kapag may emergency and may naitabi kami, I always tell him na dahil sa sacrifice namin and advance provision ni Lord, meron kaming mabubunot. Sabi nga sa quote, "If you save money today, it will save you later." Hindi talaga siya magiging perfect sa una, pero unti-unti kapag nakikita niyo naga grow ang savings and investments niyo and nalelessen ang payments niyo, yun ang pinakamasaya. Progress is the biggest motivation. Lastly, kung mahilig naman siya sa shopping na unnecessary, ask him/her nicely to make an inventory of all that s/he has bought in a year na mostly nagiging clutter din naman. Ask him/her to put a price on all of it. Total niyo. Then ask him/her kung ano sana ang naging katumbas noon if hindi siya napunta sa ganun. My husband and I call it clutter, basura. Let's remind ourselves that these clutter we fill our houses with were at one time money we earned and that too was at one time our energy, time, and expertise that we can never get back. This way we can see the value of every penny we earn. Let the partner realize it sa sarili niya in a positive way. Minsan mas effective yun. :) Ang goal natin ay maging positive ang relationship niya sa money and budgeting and mabuild ang discipline. Hala haba na pala. Daldal ko! hahaha! Sana kahit papaano makatulong. Sana sana. Let me know ha!!!

[@edpure5866]

kung hinde nyo po ma answer ok lang po: bakit sa malaysia po kayo nagpapadala sa sister and mother nyo po thanks

[@PausePraySimplify]

Hi Ed! Thanks for watching! 😊Sa Malaysia kasi based ang Mama ko and iba kong kapatid. Kaya doon ako nagapadala 😊 Ang galing nakita mo yun. Super observant! Thanks for watching!!! 😊