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

[imaevelasquez]

Hi sis  imaevelasquez! may i know what exactly is the android budgeting up you are using?? Baka ma DL ko rin, try ko gamitin. Thanks!!

Hi sis Evolet027 I'm using Expense Manager app. Yan mismo name ng app, yung may blue na na logo.  Very helpful siya and friendly user na din 

[ramamads]

inggit naman ako sa inyo mga sis. lagi kasi delay sahod ko kaya nahihirapan ako magbudget

[imaevelasquez]

We recently learned about the Dave Ramsey envelop system and started doing it sa aming pagbabudget. There were times na we overspend talaga kasi we did not allocate our budgets so well. Gastos dito, gastos diyan hanggang sa may madudukot. And para samen okay talaga yung envelope method to have the self-control when it comes to spending. Ako pa mismo talaga ang gumawa ng mga envelopes. And everyday we list our expenses in our notebook to track na din how much we have used in our budget and para alam din namin kung ilan pa balance namin. With this, naiwasan na din namin gamitin ang debit and credit cards

[tischarmedlife]

Used to save using alkansya pero I've switched na to envelopes. So far, so good 

[twelvth_goddess]

We have 2 coin banks for my daughter which we put 5 peso coins from hubby and I everyday. One is for her and the other one is for her donations.

For our expenses, we use envelopes. Every payday, we segregate our expenses --- bills, savings, insurances, before we deposit them.

[quennna]

finally, napuno na alkansya sister ko..
nakaipon sya ng P4k na tig P5 and P10k
pinadeposit sa akin sa coop namin.. grabe ang bigaaaat!!

[izabelle]

envelope method and excel spreadsheet it really helps me to keep track of all our expenses pati credit card expenses.

[PetiksPinayInvestor]

Jars Method nung una. Envelop Method & Excel Spreadsheet na ngayon

[Perfume_Lover]

finally, napuno na alkansya sister ko..
nakaipon sya ng P4k na tig P5 and P10k
pinadeposit sa akin sa coop namin.. grabe ang bigaaaat!!

ang galing naman, exciting pag meron napupuntahan yung iniipon niyan

[fionaapple]

^combination ng envelope at alkansya. Yung mga nasa envelope, may corresponding bank accounts kung saan idedeposit. May accounts for house mortgage, car mortgage, savings and other bills.  gas money set aside agad sa likod ng wallet. Budget for food at leisure, may sariling envelopes.

^since balak namin magbukas ng mutual fund, binuksan namin yung alkansya, naka 6,200. Pero dinagdagan namin para maging 10k para maumpisahan na ang mutual fund investment.

^continue na ulit sa alkansya. Planning to use it to plan a surprise for my husband. Our 1st wedding anniversary is near. And i am planning na ngayon pa lang.

[belle_v2g]

Our son is the only one who uses bank provided savings jar for his savings. Kami ni hubby puro online banking and transfers. Cars, house rent, internet, gas and electricity, phone plans are all paid online or direct debit. Super hassle free. Even the tuition fee is direct debit from my card.

[swtgrl_bee]

Jars naman ako, dati akong envelope kasi nagkanda punit punit na January 2015 lang din ako nagstart ng jars.

[etxetera]

Mas bet ko envelop method - yung alkansya nung bata pa ako

[ghye]

envelope method for me.
for my son, alkansya.  Everytime I come home, he would get my coin purse and say alkansya.  Pag may nakita na kati 10cents diretso hulog niya sa alkansya nya.  Then pag puno na alkansya we deposit it sa kanyang PSSLAI account. 

[kaiz]

envelope but not super detailed. 1 for fixed expenses, 1 for variable, 1 for savings.

but will try the money jar

[Shopaholic_Gurl]

I'm using Money jars method, lahat ng coins ko nilalagay ko lang sa clear jar hanggang sa mapuno effective for me. Makakaipon ka talaga 

[cosmochick]

Bills to pay like rent, utilities, sss/ pag ibig payments,etc I put it separately in each envelop.

I also have alkansya for coins and papers respectively..ang papers dko ginagalaw, I think its almost 90k now in pesos.. I get naman from my coins whenever I have something to buy from the sari sari store.

Everything I get from my sideline, I put it in my jars naman...

Hahaha so technically, I use all three.

[atemai]

i've been reading up on how to best segregate my money and i am trying out the envelope system this month. hopefully it'll do good to help me in managing my finances

[Girltalker2]

What's the difference between money jar and alkansya method? Di ba Pareho lang, or Jar method is transparent container so you can see if the jar is getting full na?

I don't know, my method has always been not to spend if I can avoid spending.

But I've always have a notebook at the least, or spreadsheet where I have all my expenses, income, balance ng lahat ng accounts.

Pag shopping, may certain threshold ako ano ang mahal/mura. If it is beyond my Budget (mahal), di ko sya bibilhin muna, pag di nako makatulog for days or weeks, tsaka ko nalang bibilhin. Pero pag 'need' sya or something that relates to education ng mga bata, Mas pinaglalaanan ko.

[geraldita03]

Jar System 

10% Tithe

20% Growth ( investment; never to be spent)

70% spend:

10% for travel/concert
10% monthly allowance for fare and food to work
10% for Masters expenses
35% for Family (share and play)
35% for my wants (included na bills sa globe, sa aso, hangouts sa friends and sa gamit na gusto)