Alam ko medyo gasgas narin ang mga paalala namin para mag save at invest. That’s why today, let’s reward ourselves and talk about SPENDING.:)

Sino ba may ayaw ng latest gadgets, out of town or out of the country vacation, food trip, and shopping? I’m sure, aside from bills, education, and health expenses, ito ang madalas natin pagka-gastusan.

There’s nothing wrong to spend on these things. Ang importante lang, alam natin ang kapalit o “actual cost” ng mga ito. After all, ang perang pinaghirapan natin, hahayaan lang ba natin mapunta sa isang bagay na hindi worth it?

To explain the actual cost further, let’s take a look at this example. [Read more…]