After this year's gastos, I made a savings plan to the expenses I am about to incur next year
I am saving for the following:
Local travel (anywhere in the Philippines) for September 2013 - P7k
International Travel (Thailand) for March 2013 - P12k
**This year, i started saving na so installment rin yung saving ko for Bohol this September 2012 naman.
Car Insurance for March 2013 - P15k
Car Maintenance (two PM's per year in Toyota Cubao) - P12k
Gift for my sister on Jan 2013 - P1k
Valentine's Gift for BF on Feb 2013 - P3k
My birthday on May 2013 - P5k
Bf's birthday on June 2013 - P3k
Mom's birthday on September 2013 - P1k
Christmas Gifts - December 2012
Kahit 1k or 12k pa yan, as long as nasa budget, i am sure hindi mabigat pag oras na to spend.
Naka 2 months pa lang ako so far.
Imagine, by saving less than 3k per month, hindi na ako mahihirapan, especially the travels at car expenses..
This is the breakdown of my savings plan, which is extended sa 2013 savings plan ko na spreadsheet.http://i1190.photobucket.com/albums/z447/Alabanza26/personalbudget.jpg