I. BILLS AND ALLOWANCES
Tithes Php 3,000 Php 3,000
Kids' meal allowance 3,000 x 5 15,000
My meal allowance 3,000 3,000
Lola Rosie's allowance 1,000 1,000
Cellphone load 515 515
Sky Cable 500 500
Smart Post Paid 500 500
Total Amount Php 23, 515
II. GROCERIES
Transportation Php 2, 500 Php 2, 500
Monthly dues 100 100
Haircut 50 x 4 200
Water 400 400
Gas 300 300
Shampoo 400 400
Bath soap 200 200
Laundry soap 200 200
Fabric Conditioner 200 200
Toothpaste 100 100
Total Amount Php 4, 700
Over all Total Monthly Expenses Php 28, 215
That is my conservative calculation of our monthly expenses. There are still many or some items that are not included.
Hindi pa kasama diyan ang suot sa katawan, pampahid sa katawan, mukha at buhok. Panlinis ng tenga. Pampabango ng kili-kili, katawan, banyo, kwarto at opisina.
And of course budget for EDUCATION!
Next to it are:
- the electric bill (Php 2,000/month. Excess to the said amount will be charged to me)
- telephone and internet connection bill,
- water bill
Good thing, the church pays for the bills above.
Another bonus is the house provision. I think that as the kind of housing we have right now, we need to pay around Php 8,000 - Php 10,000 if we are charged for housing expenses.
My monthly income
Basic Pay Php 22,000
Total Allowances 6,300
Total Gross Income Php 28, 300
Total Net Income(estimated) 26, 750
I cannot count the times that I heard the benefit of having a budget and sticking to it. After I did, I had the following realizations:
1. That my expenses is much much higher than my income.
2. That I cannot send all my five children to school. Even to public school were school projects abound.
3. That converting to cash all my benefits and adding it to my present income, I would be receiving close to Php 45,000 a month. That is a very descent salary to the present standard.
4. That being a descent salary is still not enough because of number 2.
5. That it gives me a feeling of sadness but when I learned that my mission pastor friend in Batangas is enduring a budget of Php 60 a dayfor a family of 5.
6. That I am torn between being sad or being grateful.
7. That me being assigned to the biggest church in our conference if not the biggest in the country, does not solve my other material concerns.
8. That I have the right to feel irritated to those who think and expect me to help them just because I am assigned to the biggest church.
9. That I really have to be conscious on my spending.
10. That I am teaching my children to manage their own money. They have to bear with one hundred pesos a day for their meals.
11. That my budgeting discourages me to lend money to others. I think I have refused two people so far. Unlike before that I am much willing to lend.
12. That I survived through the years anyway. Singlehandedly. I do not get any financial support from my parents and my in laws even when I got widowed with three children. And I am not complaining because at least I can tell to the whole world that I did not bother anyone for my children's living and education.
13. That I was able to survive through the love gift that I receive from friends and churches that invite to speak to them. That is the only way that I can have an extra money or do I really have an extra money.
14. That I am grateful to be a chaplain of a school because that gives me a regular extra income. Although it means that I am working practically 7 days a week.
So, may maganda bang naidudulot ang pagba-budget kahit obviously kulang talaga ang pera? Definitely meron. Ang namimissed ko lang naman nung hindi pa ako nagbubudget e yung feeling ko na may pera pa ako at may paparating pa. Kasi sa ngayon, ,matapos kong magbudget, ang feeling ko ay kulang ang pera at takot akong gumasta.