As our elders would say, “ang buhay ay parang gulong. Minsan nasa taas, minsan nasa baba.” Minsan, malaki ang natitipid ‘pag nakatyempo ng promo. Minsan rin, yung natipid mo dun, napupunta sa price increase ng gasolina o pamasahe.
Pero parang gulong, dapat tuloy-tuloy lang. Good news: there are ways to avoid feeling lost or hopeless tuwing may mga unexpected sa buhay.
OnlyPans Taqueria owner Audrey Cruz understands this reality. Payo niya:
"I think the most concrete thing is [to] do everything to protect the business and yourself… [Parang] yung mga langgam na kinokolekta nila lahat ng kailangan nila para sa tag-lamig... Merong sasalba sa kanila. Ganun lang din how you handle a business, or as a person. You have to keep things for yourself in the future.”
Audrey’s experiences both in business and in being a breadwinner helped her build strong financial practices and safeguards. Ito ang nakatulong sa kanilang umahon noong 2024 when a heart-wrenching fire consumed their branch in Poblacion, Makati. Her financial preparedness helped her save the business while keeping her OnlyPans family intact.
Taking inspiration from our conversation with Audrey, let’s break down her essential advice like we’re building a taco:
Like the perfect taco, good financial health is about balance and mindfulness. Huwag magmadali at “moneygurado” sa bawat hakbang. With consistency, you can build finances that will bring you and your loved ones peace of mind.
Watch Episode 1 of Moneygurado featuring Audrey Cruz on the Earnest website.
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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.
