NormOnFinances

Naalala mo ba last year’s Christmas season?

Yung biglaan ang gastos, sabay-sabay ang parties, at kulang na kulang ang budget?

Nakaka-stress, ‘di ba? 😅

Pero imagine this year, handa ka na — walang utang, walang pressure, at mas marami pang naiuwi sa pamilya mo. 🙌

Here’s a 3-step plan para mas maging smooth ang Christmas season mo:

1. Create a “Ber Month” Budget

Listahan muna ng mga dapat gastusan:

✔ Gifts

✔ Christmas food and Noche Buena

✔ Travel or vacation plans

✔ Year-end bills or loans

2. Start Saving Today

Divide your goal into weekly or bi-weekly amounts.

Example: If you need ₱30,000 for gifts and holiday expenses, that’s just ₱1,500 per week starting now.

3. Protect Your Holiday Joy

Isang emergency lang — tulad ng illness or accident — pwedeng maubos ang ipon.

Build financial protection alongside saving, para siguradong merry ang Christmas mo.

I remember one of my clients, si Kuya Joel, isang seafarer. Last year, nagplano kami as early as August — nakapagtabi siya ng budget, nakapagpadala ng tamang halaga, at nakabili pa ng small investment.

Resulta? Walang utang, walang stress, at puro bonding lang kasama ang pamilya.

Gusto ko rin, ganun ang maranasan mo ngayong taon.

📩 Message me today to get your FREE Christmas Ipon Planner (PDF)

or schedule a 15-minute financial check-up — para mas handa ka ngayong holiday season.

#NormOnFinances #BerMonths #ChristmasBudget #IponGoals #FinancialFreedom