Managing money can be challenging, especially with rising living costs and unexpected expenses. But financial discipline is possible—even on a tight budget. Here are simple, practical tips to help you take control of your finances.

Start by listing your daily expenses for at least one month. This helps you identify where your money goes and where you can cut back. There are free mobile apps that make this process easy.

Divide your income into categories: essentials (bills, food, rent), savings, and leisure. A common rule is the 50/30/20 principle:

• 50% for needs

• 30% for wants

• 20% for savings or debt repayment

Unexpected medical bills or job loss can ruin your budget. Aim to save at least three months' worth of expenses. Start small—set aside even ₱100 a day if possible.

Loans can be a useful tool, but only if used wisely. Borrow only when necessary and only what you can repay. Avoid borrowing for luxury items or non-essential purchases. If you need extra funds, choose a licensed lender like PeraBag for safe and transparent terms.

Pay bills on time, avoid maxing out your credit, and settle loans as agreed. A good credit record gives you access to better financial opportunities.

Money management is a skill you can learn. With discipline and smart decisions, you can achieve financial stability. And if you ever need quick cash for emergencies, PeraBag is here to help—fast, secure, and always transparent.