I advocate for a zero-based budget and this post is to further explain it.
Despite the best attempts to allocate every peso to savings and expenses, may konti pa ring natitira - from P5 to P500. Just consider that extra as your wiggle room.
May mga times na bigla na lang kayong magpa-planong manood ng sine or di kaya ay naimbita sa birthday party. Since hindi naman sya emergency, hindi dapat sa savings kayo kukuha ng pambili. Ang extrang pera sa budget nyo will provide you the room to wiggle without harming your budget.
I usually allot P1,000 wiggle room, which is the difference between Total Income minus Total Expenses. Dati kasi I followed the zero-budget style very strictly. In the end, feeling ko tuloy para akong mummy na ipit na ipit. I learned to give the budget this wiggle room but it took me awhile to realize that. Marami rin akong in-experiment at adjustments na ginawa sa budget.
Kung 14th of the month na at suweldo na kinabukasan, tina-transfer ko na ang tira ng wiggle room (kung nagamit ko man) sa savings. As I mentioned before, dapat walang matira bago pumasok ang susunod na sweldo para your lifestyle is set to live within your means.
Magkano ang wiggle room nyo sa budget?
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