Last month, my refrigerator died. Not slowly—just stopped working overnight. And honestly? I wasn't even stressed about it. That's what three months of savings can do for your peace of mind.
Keep readingI was skeptical too. Cash envelopes in 2025? But after trying digital budgeting apps that never quite stuck, going old-school changed everything. Here's what I learned after six months.
Keep readingCoffee runs. Food delivery apps. Subscription services you forgot about. I tracked every purchase for 30 days and was genuinely shocked. The math doesn't lie, and sometimes you need to see it written down.
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When Jericho and her partner sat down to look at their finances in late 2024, they realized they were spending way more than they thought. Not on big things—just a thousand small decisions that added up.
They didn't make drastic changes overnight. Instead, they started tracking everything for two months. No judgment, just data. What they found surprised them, and the adjustments they made were simpler than expected.
Looking back at what people learned about managing money in 2024 and early 2025. These aren't revolutionary concepts—just practical steps that made a real difference.
December 2024
More families started sitting down together to look at their spending patterns before the new year. Not to shame anyone—just to understand where the money actually went. Turns out, awareness is half the battle.
November 2024
This budgeting framework (50% needs, 30% wants, 20% savings) started showing up in local community workshops. People liked how simple it was to remember, even if their exact numbers didn't match perfectly.
October 2024
Banks made it easier to set up automatic transfers to savings accounts. Lots of people found that moving money right when their salary came in meant they actually saved it instead of spending it first.
September 2024
Community centers in Butuan and nearby areas started offering free monthly sessions on basic financial planning. Not fancy investment strategies—just how to track spending and set realistic goals.
Simple spreadsheets that help you see where your money goes each month. Nothing complicated—just categories and numbers that add up automatically.
Download guidesWhether you prefer apps or notebooks, keeping track of purchases for even just one month can reveal patterns you didn't know existed.
Find your methodWe're running workshops in Butuan City starting September 2025. Bring your questions, share what's working for you, and learn from others who are figuring this out too.
Join the conversation