“Magbabayad na ng bills”
“Kailangan ng baon ni junior bukas”
“Need nang bumili maintenance ni lola”
Kung breadwinner ka, baka narinig mo na ang mga ito. And yes, it can be stressful kung ikaw lang ang provider sa family.
Hindi ka rin nag-iisa. Marami sa Pilipinas ang maaaring matawag na sole breadwinner. Majority sa kanila ay nakaka-experience din ng financial stress, especially now na mataas ang inflation rate.
Everything is more expensive—mula sa grocery, gamot, utilities, at kung anu-ano pang daily expenses. These stresses can also take an emotional and physical toll on the breadwinner.
Why financial health matters when you’re the breadwinner
Bilang breadwinner, kailangan ma-monitor mo ang iyong financial health. Ibig lang sabihin, alam mo kung paano mo mina-manage ang iyong finances, maliit man ito or malaki.
Having good financial health is about achieving stability and resilience so you can achieve your goals at para na rin maka-provide ka sa iyong family.
Maari mong ma-check ang financial health mo gamit ang mga tips sa article na ito.
Breadwinner tips
Whether you’re the sole breadwinner or may kahati ka sa gastusin, there are ways to get better with your finances at magkaroon ka ng peace of mind. Pwede ka mag-start sa ilang tips:
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Speak to your family – Importanteng pag-usapan bilang isang pamilya ang inyong expenses; ano ang inyong priorities na kailangang gastusan. Huwag kang pangunahan ng hiya. Begin by opening a family conversation and identifying your expenses. Discuss what you can remove, such as frequent out-of-town vacations and underutilized online subscriptions. Mas mabuti kung gagawin niyo ito regularly, pwedeng every month, so you can adjust your expenses.
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Set and follow a budget – Having a budget in mind should also help you manage your resources. One budgeting guide is the 50-30-20 plan, which means 50% goes to monthly expenses, 30% goes to non-essential expenses, and 20% goes to savings and investments. Adjust mo lang ito ayon sa availability ng iyong income at needs of the family. There are many budgeting hacks and guides to help you. Check out examples on Earnest.
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Take care of yourself – You can’t take care of your family if you’re not doing OK mentally and physically dahil sa financial stress. Treat mo rin ang sarili mo. Enjoy your time with your family. Basta may budget, mag-travel kayo, have a picnic, or kahit manood lang ng movies at home. Find what makes you happy and enjoy it as best as you can.
As a breadwinner, when you lead and invite your family in planning, your financial health improves. Proud ka pang ka-share mo ang family sa achievement na ito!
Learn more about budgeting and other financial tips. Read and download our Earnest E-book for free.
Disclaimer: This article is for general information purposes and does not constitute formal financial advice. Always do further research before making financial decisions and seek professional advice from a certified personal finance counselor. For more information, read the Earnest disclaimer here.
