Bills last, you first.
A financial foundation workshop on building a budget that actually holds. Five counterintuitive principles, a few honest stories, and activities people use on their next payday.
It's called personal finance for a reason
Ten years ago I had zero savings. When I lost my online job, I had nothing within a week. My friends went to the beach to party, and the only thing I could bring was one bottle, just so I felt like I had something. I didn't enjoy that day, and I told myself it would be the last time.
It took me about seven years of learning, reading, and fixing habits before it showed. Now I pay bills on automation and order off the menu without guilt. The talk squeezes those years into about an hour. No shaming, no complicated spreadsheets. Just a few basic principles and the activities to start them.
“We're not working just to pay for bills.”
- Stop comparingKeeping up with everyone's feed is the fastest way to never save. Love your own path.
- Find the vanishing moneyBe brutally honest about where it goes. List every expense, then cut one.
- Pay yourself firstBefore the bills, set aside 20 to 30 percent. A writing activity on your non-negotiables.
- Build the umbrella before the rainEmergency fund and insurance. Start with ₱500 to ₱1,000 a month. Consistency beats size.
- Save less, grow moreSaving only prepares you for rainy days. Start tracking your net worth and growing it.
Employees, professionals, and teams who earn well and keep little
- Audience
- Employees · Young professionals · Freelancers
- Format
- Workshop with writing activities, about 60 minutes
- Language
- English, Taglish or Bisaya
- Given at
- 5ELK · Financial Literacy Series, Sept 2024