How To Effectively Budget Your Money

January 9, 2014

Trust me, any budget adviser will tell you that the one thing you need to accomplish first and foremost before saving and investing is to learn how to budget effectively.

Budgeting is the process of allocating your time, money or any other resources to a desired plan over a given period of time. In terms of financial management, your budget should focus on the total amount of money you receive over certain amount of time. Your budget can either be daily, monthly or annually but one thing’s sure— no matter what type of budget you will do, you should be able to create an equation.

I have made two previous posts about how i budget my money. First is the Envelope Style and the second one is the Notebook Style. Both styles worked for me and until now i alternately use the said styles in budgeting my money.

With that being said this post will help you find tips on how YOU can budget your money effectively. I know how hard sticking to a plan is so today i will be sharing to you the things that helped me in a lot of ways.


I know it sound cheesy and a little cliche but it makes a huge difference once you set not just your mind, your heart but also your soul in your budget. Right attitude and right mentality, ika nga. Always note in yourself that you have a budget to stick with. That this time you are making a change in your financial capabilities.


Goals will help you be motivated in the budget you just created. It will serve as an inspiration so better list down a goal in every budget that you do. Make sure to create goals that are attainable and are within your interest. If you really wanted that out of town trip then right on top of your budget plan with all capital letters para mas lalo kang ganahan.


The foremost reason why a person fails to budget effectively is the lack of strong will to hold on and accomplish the budget. Not because you failed the first time does it mean that you are already a failure. Only those who quit easily are justified to be called a failure. If the budget for the month of January didn’t work out well then try to do another one by the month of February. Do not stop until you found out a budget that works perfectly for your needs.

 I will be making more posts about budget in the coming days so i do hope you can be updated by submitting your email address in the top right box or you can easily ask a question or email me anything at izza.savingspinay@yahoo.com

Thank you so much!

Clariza Glino

Izza of SavingsPinay helps Filipinos bridge the financial literacy gap one content at a time by providing insights and tips on budgeting, saving, investing, side hustle and growing your net worth. Aside from this blog she also writes at www.izzaglinofull.com, a beauty and lifestyle blog for frugal Pinays and manages, www.izzagevents.com, a wedding and event business since 2011. For inquiries, topic suggestions or future collaborations email her at izza@savingspinay.ph


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