"Ber" Months na!

               Ber Months na! We are now at the month of September it means now is the start of what we call it “Ber Months”. Mararamdaman na sa pilipinas ang unti-unting pag-lamig ng panahon lalo na sa umaga at sa bandang hapon. That is because the wind called northeast monsoon or “hanging Amihan” is starting to blowing cold wind in our country.  Also, when September comes it's a sign that Christmas is near and you will hear in a radio or television the famous Christmas countdown that makes everyone to be excited. You will see in Facebook Status Update ["ber" months na –feeling excited].....he he he

           We all know that when this holiday season comes, our budget & expenses will become double or triple at depende pa yan sa inyong life style. Some of us are planning and thinking were to spend the holiday season, what food to prepare, buying new clothes, appliances, gadgets and etc. We say that this is only once in a year, so you think feel free sa pag-gastos. On one side, yeah! It’s correct for me, there is no wrong to spend  in this coming holiday season. But in the other-hand, be sure that it is up to your budget only and up to your limit only, no need to have a credit after the holiday season. It's a painful and shameful situation if that happens because in the end your budget and your income will be out of your control. So, if you have a plan where to spend your holiday and you want to buy something either for you or for your love ones. From the beginning of this Ber months do something unusual, something that maybe for some of us never tried it before. Try to start saving & budgeting for the expenses you will use in the coming holiday season. Yes! You heard it right Saving & Budgeting. Dahil this month ang magandang pagkakataon upang umpisahan ang pag-iipon sa mga gastosin na ating magagamit in the coming holiday season. Nangsagayun hinde tayo mabibigla at magkaroon ng problema kung saan kukunin ang ating gagastosin, mas mabuti yung handa ka. Di ba? 

             Now, get a ball pen and notebook, write where you will plan to spend your Holiday, how much cost you will use for this including all the expenses for food, fare, clothes, gifts and any other things with the cost involved. Knowing the expenses, it will give you an idea on how and where you will get that budget. You can now start to save and budget your monthly salary to accommodate your plan for the holiday. It gives you an idea how much you will keep after you get your salary for the expenses you will use in the coming holiday season.  But of course the money you will save for these expenses is separate from the previous budget & saving you do before. The benefit of doing this, you will not worry for the expenses you will use when holiday seasons come and the other budget will not be sacrificed or affected.

I hope you get some tips on my blog about saving and budgeting and again Thank you for visiting my blog and see you in my next post. May god bless you!

Also Read:

Money Saving Issue for Pinoy!
How to Start a Savings?
Money Saving Tips
Saving Tips for Overseas Filipino Worker

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