a zealous eater and spender

I started to track my expenditures from mid-January this year. I just wanted to see what I was doin with my money, how much went to these and those. The result is surprising.

From 2nd half to end of January - I spent  P3,823 while taking home P13,618 earnings. I could say, I had saved much in this month.

In the month of February, I spent P9,783.00 (P7,873.00 on necessities and P1,910.00 on wants) while my take home pay was P13,618.00. Still I had saved a few thousand.

In the month of March, I splurged P11,870.00 (P7,384.00 to live a life away from home and survive in the city and P4,496.00 on everything I just wanted) while I only have P13,618.00 to spend on that month.

Came month of April, I threw P11,249.00 (P5,541.00 for necessities and P5,708.00 for anything I just want to try on). My cash inflow was only P13,618.00. Though, my expenses for daily needs (food, etc.) went down, I had more cash outflow on other things. But not bad anyhow since I still had saved a few thousand.

The picture turned different in May. I spent a total of P15,753.00 (P4,324.00 for necessities and rent while my spending on other things rose to P11,429). I had a cash inflow of only P12,684.00. That’s a neagtive! What I had saved last month went for these expenses.

My financial situation turned even more alarming in June. I only have a dispensible income of P12,919.00 but had spent  P22,581.00 of which P6,076.00 went to rent and other neccessities and P16,505.00 fo other things. Other expenses were quite high but it was worth it. I had a vacation in Bohol. 

July was a different story but still I was spending, P21,094.00, more than what I was earning, P14,068.00. While I spent only P7,140.00 for food and rent and the rest of the expenses balloned to P13,954.00. Forty percent of these money were spent in Cebu while the rest were used to buy my father a new shoes and was given to my mother’s ailing older sister. 

Mathematically speaking, I should have been financially broke. But as it is biblically provided, once you give, you receive a sevenfolds or hundredfolds of blessings. So I am still financially afloat now. Hope that the succeeding months would proffer me more savings since I expect more outflows of cash for my rice farm and, of course, the holiday season from end of October up until January of next year.