Organize your money, one step at a time.

1. See what actually comes in

Write down net income: what you receive after deductions. If it varies, plan around a typical lower month; occasional income should not support a fixed expense.

2. Give every peso a place

1. Essentials

   Housing, food, transport, health and utilities. Record the amount and due date.

2. Commitments

   Debt payments, instalments and subscriptions. Do not count card purchases twice.

3. Your goals

   Set aside an amount you can maintain. No single savings percentage works for everyone.

4. Flexible spending

   Entertainment and adjustable purchases. If money is short, review these while protecting essentials.

3. Check once a week

Compare your plan with actual spending. Divide annual bills by the months remaining before they are due. Adjust before your margin disappears.