You think you deserve everything: A badly needed gadget upgrade; an ultimate vacation to unwind; a wardrobe overhaul because *ahem* ‘di na kasya; and the list goes on. But whenever you start to compute your monthly budget—say, 50 percent for food and transpo expenses, 20 percent for bills, 20 percent for life savings, and 10 percent for leisure—that one grand thing you’ve always wanted always takes a backseat. Saka na lang ‘pag may extra, diba?
Here’s how to make sure you achieve everything you’ve ever wanted without breaking the bank:
1. Factor it in. Be flexible when it comes to your monthly budget. You can reduce your daily expenses—take public transpo or carpool with neighbors to save on gas money, or bring baon so you won’t have to spend so much on food—or your leisure money to set aside money for your #Goals. Little sacrifices like not going to the movies or eating out will pay off in the end.
2. Raket muna. Don’t want to adjust your lifestyle? No problem! Find other ways to earn more money: Teach English, arts and crafts, or cooking classes (or whatever skill you’re excellent at) during your free time; make accessories or pastries and sell them online; hold a garage sale of unused items; or do some consultancy job on the side. Your rakets will take you a long way. Swear!
3. Be very smart about your big ticket purchases. Paying for your major purchase in cash and in full is wonderful—but not always possible. Sometimes, even if you badly want (or need!) something, your funds just won’t let you have it.
What to do? Maximize the power of your card! A great ally is the BDO Installment Card, which allows you to get cash up to 100% of your credit limit and pay in easy monthly installments of 6, 12, 18, 24, and 36 months. With BDO, you no longer have to delay getting that big ticket item you’ve always wanted. Plus, you’ll never go broker than broke after paying! *hinga nang malalim*
Never hold yourself back from getting the things you deserve. It’s all about making smart decisions, anyway. Remember that one special item on your wish list? This foolproof game plan is all you need to FINALLY make it happen—pronto!
Click here for more details, so you can be well on your way to rewarding yourself for all your hard work.
ALSO READ: The Six Fix: Shopping for Style sans the Stress