Because last month, we made some major decisions (not one but two) in our life, that also means major adjustment in our finances. I've been reading lately a lot about money (savings, investment etc.) actually, that was one reason why I pursued our investment savings now because if we don't do it now, it might be too late to think of our retirement plans. I don't want to end up working till my super old age naman)
One major thing I learned (with all the readings I made) is this
Income - 10 % tithes - savings = Expenses
Before, we were like, income -tithes then expenses.
So zero savings at all.
I tried to save money in the bank but life always seems to have thousand reasons for me to withdraw it (family illness, emergencies, trips, etc.)
So I am thankful that now I save money where I can not touch it (at least for some number of years). The setback though is a major change in our monthly budget.
No more eating out (yes even in fastfood houses) maybe once in a blue moon na lang.
No more movies (which we seldom do naman talaga)
No big purchases for now
And most probably no travels unless we do earn extra for it.
It is quite hard but it is doable. At least my motivation is my dream house and our retirement days :)