#InflationFix Challenge #earn Thank you g/confessions 🌻…
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#InflationFix Challenge
#earn
Thank you
Let’s be real—inflation is a constant, and being prepared is the only way to stay afloat. I learned from a financial literacy book that inflation is one of the biggest factors in our financial lives, so my family and I built this survival plan to stay ahead of it.👌💯
We started earning early in our marriage, and once we hit our "emergency fund" goal, we stopped just saving and started investing. If you just let your money sit in a bank, inflation eats it alive; it won’t grow. Anyway we don't save in banks, we opted for cooperatives that give us back more. We choose to live a simple, frugal life, and before we buy anything—whether it’s clothes or food—we ask these three questions:
Do I actually need this, or do I just want it?
If I need it, is this the best value, or is there a better alternative?
Where exactly is the money for this coming from?
Everything we do is tracked. For daily consumables, we use the "Takal Mentality"—buying in small "tingi" amounts to ensure we don’t blow our daily budget. However, for non-perishables like laundry soap or cooking oil, we do the opposite and buy in bulk. This switch alone saves us about 15% to 20% a year.
With fuel prices jumping all over the place, we started using an electric bike for the kids’ school runs. It’s not just about saving fuel; since my husband gets a gas allowance from work, the gas we "save" during the week goes toward our weekend road trips! 🚘🚘🚘We also use solar power at home to keep our electric bills manageable.💡💡💡
When it comes to health vs. cravings, we skip the fast food. It’s either a nice fine-dining treat or a home-cooked meal. 🍲🍳🥣In the Philippines, "healthy" doesn’t have to mean expensive salads. We stick to the Bahay Kubo diet. My kids even memorized the song to remind them that local veggies like malunggay, sayote, and sitaw are just as healthy as expensive broccoli.
When onion and ginger prices skyrocket? We use leeks or lemongrass. If those aren’t around, I’ll admit I use onion powder or canned tomato paste. Pizza and milk tea are "once a quarter" treats. We’re teaching the kids: Needs before Wants. We’re even helping them start tiny businesses so they can earn their own extra allowance.💲🤑🫰
I can’t control government policy or inflation rates, so I don't stress over what I can’t change. To be fair, our government is trying a "whole-of-nation" approach with things like Rice Tariffs, Price Watching (SRP), Kadiwa Centers, and Power Saving projects.
But honestly? When I do charity work and see our fellow brethren struggling, I can feel that it’s still not enough. It’s heartbreaking, but at the end of the day, I’m not the government—I can only control what happens under my own roof.🤷
The bottom line: When prices inflate, you have to deflate your lifestyle until you reach your freedom goal.
Anyway, I’ve talked enough! My tongue is getting ahead of me. Stay smart with your pesos!🤓🧠🌻✨
#earn
Thank you
Let’s be real—inflation is a constant, and being prepared is the only way to stay afloat. I learned from a financial literacy book that inflation is one of the biggest factors in our financial lives, so my family and I built this survival plan to stay ahead of it.👌💯
We started earning early in our marriage, and once we hit our "emergency fund" goal, we stopped just saving and started investing. If you just let your money sit in a bank, inflation eats it alive; it won’t grow. Anyway we don't save in banks, we opted for cooperatives that give us back more. We choose to live a simple, frugal life, and before we buy anything—whether it’s clothes or food—we ask these three questions:
Do I actually need this, or do I just want it?
If I need it, is this the best value, or is there a better alternative?
Where exactly is the money for this coming from?
Everything we do is tracked. For daily consumables, we use the "Takal Mentality"—buying in small "tingi" amounts to ensure we don’t blow our daily budget. However, for non-perishables like laundry soap or cooking oil, we do the opposite and buy in bulk. This switch alone saves us about 15% to 20% a year.
With fuel prices jumping all over the place, we started using an electric bike for the kids’ school runs. It’s not just about saving fuel; since my husband gets a gas allowance from work, the gas we "save" during the week goes toward our weekend road trips! 🚘🚘🚘We also use solar power at home to keep our electric bills manageable.💡💡💡
When it comes to health vs. cravings, we skip the fast food. It’s either a nice fine-dining treat or a home-cooked meal. 🍲🍳🥣In the Philippines, "healthy" doesn’t have to mean expensive salads. We stick to the Bahay Kubo diet. My kids even memorized the song to remind them that local veggies like malunggay, sayote, and sitaw are just as healthy as expensive broccoli.
When onion and ginger prices skyrocket? We use leeks or lemongrass. If those aren’t around, I’ll admit I use onion powder or canned tomato paste. Pizza and milk tea are "once a quarter" treats. We’re teaching the kids: Needs before Wants. We’re even helping them start tiny businesses so they can earn their own extra allowance.💲🤑🫰
I can’t control government policy or inflation rates, so I don't stress over what I can’t change. To be fair, our government is trying a "whole-of-nation" approach with things like Rice Tariffs, Price Watching (SRP), Kadiwa Centers, and Power Saving projects.
But honestly? When I do charity work and see our fellow brethren struggling, I can feel that it’s still not enough. It’s heartbreaking, but at the end of the day, I’m not the government—I can only control what happens under my own roof.🤷
The bottom line: When prices inflate, you have to deflate your lifestyle until you reach your freedom goal.
Anyway, I’ve talked enough! My tongue is getting ahead of me. Stay smart with your pesos!🤓🧠🌻✨
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comments
Wow, this is such a thoughtful and practical approach! 🙌 I love how you’ve turned challenges into opportunities for growth and learning. Your survival plan sounds super effective, especially with the focus on needs vs. wants.
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