Alin ka dito: Money Jars Method, Alkansya o Envelop Style

[Perfume_Lover]

Yay, tuwa naman ako may mga kapareho naman pala ako, kala ko kami lang ni fionaapple. Dapat pala dagdagan ko ng Wallet method sa title. Anyway, minsan talaga pag prinpractice yung ibang method gaya ng nabanggit, ang hirap hirap niya gawin pero pag nasanay kayo makikita yung ganda ng result sa inyo nito.

On Money Jars (my style) = 100% of my earnings
May mga percentage ako sa bawat jars ko at ganito yung mga priority ko na i-save and spend:
Meralco & Water Bills - 10%
Home Improvement - 10%
Food - 10%
Reward - 10%
Save to invest - 15%
Save to my Bank - 10%
Emergency - 10%
Give or Share - 5% (sorry maliit talaga ang nilalagay ko dyan)
Loads (mobile and internet) - 10%
Learn - 10
Total of 100% lahat = mas madalas may natitira pang pera sa akin. At yun na yung ginagamit ko sa iba pang bagay na importante and then minsan na-iistretch ko ang natirang pera ko


One day - siguro tatry ko yung mga ginagawa ng mga sisses dito pati ang wallet method.

[eggybruns]

Envelope style. 
Each envelope has a label, fixed ang amount for savings, allowance, bills etc.
So every payday distributed na sila agad sa mga envelopes. I've been doing this for quite some time nadin and it has been effective for me.

Pero magandang idea din yang wallet method ha..hehe because i already changed my envelopes twice dahil nasisira sila.. 

[danda]

kami nagsstart na sa envelope style, ginagamit namin mga envelope galing sa mga billing (meralco, suncell etc), recycle. Hihi.

[smile22]

joining!

i have a combination of envelope and account saving style hehe

pagpasok ng sweldo, i transfer a specific amount to our Emergency Fund, a specific amount to Savings, a specific amount to investments (Lahat to online transfer so madali lang sya)

yung matitira, iwiwithdraw ko and put into separate envelopes. 1 for bills, 1 for transpo and food everyday papasok sa work for 1 week, 1 for groceries/toiletries, 1 for tithe, 1 for leisure/travel.

kung may matira it either goes to leisure or pang invest

[heartfortress]

Saken coinpurse lang hehe. kasya naman ang mga paper bills nakafold na nga lang pag nadistribute na sa kanya kanyang coinpurse. Pero tingin ko under wallet style na din to maconsider lol.

[cutemama]

ADD ko lang yung budget na ginagawa ko.. sana makatulong din sa inyo yung style na to. What I do is nililista ko siya sa notebook..nakaplan na siya for 3 months..like april, may and june..nakabudget na lahat yun.ang ginagawa ko is every 15 and 30..kasi yun yung payday.kinocombine ko na salary namin ni hubby.

Example:
April 15,2015

Income: (secret) hehe
Expenses:
Rent-8,000
Diaper- 700
Milk- 3,000
Vaccine - 2,500
Grocery - 2,000 ( for 2 weeks)
1,600 - books ( talking english. Installment payable for 12 months.)
Savings : 20 percent pag kapos sa budget 10 % basta dapat may masave..

April 30, 2015 (ito medyo konti lang expenses namin)

Expenses:
Electric: 4,000
Water: 1,000 (for water and electric ito yung alloted budget namin para hindi kami mashort, pag maliit lang yung bill eh di swerte)
Dipaer: 700
Milk: 3,000
Globe: 1,800
Grocery: 2,000
Savings: 20 %

****Good thing yung helper/yaya ni baby mom ko nagpapasahod kahit nakabukod kami.

Add ko lang lahat yan..income minus expenses..and yung matitira yung lang dapat namin pagkasyahin.. nakakatulong talaga siya sakin sobra..kasi dati hindi talaga ko nagbabudget every payday shopping lang ng shopping bili ng bili ng toys, padeliver ng food..tapos yun pala wala ng diaper and milk si baby..eh di mapipilitan kami kumuha sa savings..pero now na nagbubudget na ko every payday bili na agad ng milk and diaper kahit meron pa para hindi namin magastos yung money..kaya naiipon yung milk and diaper niya, unlike dati bibili lang kami pag ubos na..
Sana makatulong din sainyo to mga sis.

[drowningpanda]

Alkansya and envelope.

Alkansya para sa mga barya barya o yung mga small bills na naiiwan sa bulsa ko pag-uwi. Hindi ko na sya binabalik pa sa wallet kasi pag-alam ko may pera, magagastos ko lang.

Envelope naman pag malalaki bills especially pag kakasweldo lang at hindi ko pa nadedeposit sa bank. Para rin sya sa mga pambayad ko ng cc tska sa ibang babayarin.

Magtitira lang ako ng certain amount sa wallet ko to last hanggang sa next payday at yun lang ang dapat ko magastos.

[WorriedB2B]

Pa join! I'm using envelope method. Fixed na every month yung expenses namin kaya refill refill nalang yung envelope monthly after payday. Meron din akong ledger sa excel para nata track ko yung expenses namin. Recently, nakadiscover ako ng bagong style sa pagba-budget. Dati kasi pag ina-update ko ang ledger namin, Nauuna ang expenses, then yung extra, yun lang yung savings. Then just recently nga, binaligtad ko yung ledger ko, ang ginawa ko is savings muna ang ikakaltas ko, bago ang expenses. Super effective. Till now, natutuwa ako pag nakikita ko yung potfolio ko. Never imagined na kaya ko pala mag-ipon ng ganun ka simple.

[imeego]

Alkansya- diretso dito lahat ng coins na sukli after namin mag grocery, shopping etc, para di mabigat sa bag

Utility bills, tax atbp- di kasi fixed amount so withdraw na lang from the atm as needed, iba-iba din kasi due dates..and parang mahirap din for us ang envelope method since di din fixed date narereceive ni hubby ang paychecks nya so what we do, diretso muna lahat sa joint acct namin (with atm) then withdraw na lang pag may kelangang bayaran..then transfer na lang ng x amount sa isa pang account para sa monthly savings namin

[angelholics]

im trying envelope style.. kaso un weekly house cleaner namin for like 10years... kumupit... well or shall i say.. tig 1k na lang tinira sa mga envelopes ko 

[j.adore]

That's the problem.. I still think bank accounts are better for this. Same concept but more security..

[airish_2]

I do envelope system tapos may jar pa for spare coins. Yung pera naman sa bank is for emergency fund na lang

[simpleemie]

dati kung ano ano system lang pero ill do the envelope system na nga😊 tapos magandang colorful envelope para hayahay ang buhay. 😀

[gil12]

Envelope system gamit ko for both expenses and savings. May slight difference lang siya.

For expenses ganto gamit ko:

http://media1.ph.88db.com/DB88UploadFiles/2014/09/05/94573A2E-6EB3-45B5-B5DC-3D68E2C4E4D1.jpg

Bills organizer siya but I use it to put money. Mas madali kasi kunin yun pera unlike sa literal na envelope.

For savings ganto naman gamit ko:

https://encrypted-tbn2.gstatic.com/images?q=tbn:ANd9GcQmAIecNjmL18ew9a6MZDQA4fiuV6plhy0zvn_Pek1Znctlnffi

I use money envelope color brown kasi sa mismong envelope I list down the dates and amount na-sasave ko per month.

Nilalagay ko yung brown envelopes dito:

http://g-ecx.images-amazon.com/images/G/01/aplusautomation/vendorimages/43be5fcf-26da-41e7-8b89-1f1d66443d8b._V320242288_.jpg

I like my system now kasi it's easier for me to keep track ng savings namin kasi nakalista sa mismong envelope. Makikita ko agad kung kulang o sobra yung pera sa loob ng envelope. Regarding security naman, we have a small safe kaya nakalagay lang siya dun.

[fionaapple]

That's the problem.. I still think bank accounts are better for this. Same concept but more security..

I agree. That is why i immediately deposit the money into different bank accounts. Our accounts have different purposes. I deposit them whenver i have the time, just to make sure the househelp wont chance upon our hard earned money and be tempted to get some for herself.

[angelholics]

tama..bank deposit na lang..
in my case, was too confident she wont steal or kupit e kase tagal na nya nag weekly cleaner samin. counting blessings buti hindi sya kumuha ng jewelry...

lesson learned...

[Perfume_Lover]

That's the problem.. I still think bank accounts are better for this. Same concept but more security..

Yeah I agree pero that depends kasi kung ano yung sitwasyon niyo sa bahay, sa amin kasi 3 lang kami ng parents ko then wala pa kaming mga maid or outside our family pa sa bahay.

Yung ganitong setup kasi syempre ibabagay niyo yan sa kung sino sino yung mga kasama, anong klaseng security meron kayo sa bahay - yan ba yung tipong madaling pasukin (you all know what I mean diba?) and such. Pag alam niyo ng hindi secure yung paglalagayan niyo ng pera then better na sa bank talaga yan ilagay. That is the best thing you(we) could do.

Pahabol: Yung sa akin kasi, hindi nag-iistick yung mga pera sa Money Jars ko kasi tinatanggal ko rin after ng 2 months or so kasi gagamitin ko na sila sa mga dapat nilang pag-gamitan. Hindi ko lang alam kung paano yung sa iba pero sa akin ganyan yung way ko on how I save my money and then never keep it long kasi baka nga may magsteal - Big NO yun.

[fionaapple]

^yun sa amin naman, dahil magkaiba ang payroll bank accounts namin at yung mga personal bank accounts namin ng husband ko, withdraw muna from payroll account then divide into different categories:

1. Savings - building our emergency fund pa lang
2. Monthly DP for house
3. Car mortgage
4. Phone bills and insurance
5.Gas money
6. Other expenses- budget for entertainment, recreation etc.

Since we cannot deposit the money immediately, i place them inside the big wallet, (parang malaking pouch siya na pinaglalagyan ko din ng mga deposit slips) then nakaseparate and nakamark bawat isa. Pag nagka oras na, like weekend or lunch break, dinedeposit na yung categories 1-4 sa ibat ibang accounts.

All our bank accounts have their own purposes para hindi magulo. Then lahat ng payments done thru online banking or checks.

[Perfume_Lover]

Same tayo ng pagdivide sa bawat purposes, hindi magulo diba sis?

[toria]

I have multiple bank accounts:

1. Travel Fund - since I am working Overseas, dito ko nilalagay ang pambili ng ticket and pang gastos pag uuwi ako ng Pinas.

2. Emergency Fund - Actually I have 2 emergency funds (70% is passbook na pwede I-withdraw in 3 days, and 30% sa ATM). Mas malaking interest kasi yung sa passbook compared sa ATM. In case of emergency, may makukuha ka padin sa ATM. Then pagopen ng bank tska kuha ng sa passbook.

3. Retirement Fund - invested in UITF and stocks

4. Savings - invested in UITF also

5. ATM - which my mom is holding, dito ko pinapadala yung allowance nila.

6. Payroll ATM is where I get my day to day expenses.

Everything is tracked in an excel spread sheet para mas madali I-manage.
So my bank accounts are my envelopes he he