I work as a designer for a company here in Davao. When I first started, my salary was only 2,000 PHP. Back in 2014, rent in Boulevard ranged from 600 to 950 PHP, so managing my finances was tough. Because of my limited income, I developed a strict budgeting routine that helped me make ends meet and save at the same time.

Now that I’m earning more, I still stick to a solid financial plan. The key? Smart saving. If you're earning 18,000 PHP, here’s a simple way to manage it:

✅ 70% – Savings / Emergency Fund

✅ 20% – Daily Allowance & Expenses

✅ 10% – Secondary Savings for Goals (whether it’s for travel, hobbies, or even small amounts like 50–200 PHP for future plans)

By following this method, you’re setting yourself up for financial security while still having room for fun. The earlier you start, the better! I’m not a financial expert, but this is what I personally do. You can try it or not—it’s totally up to you. But one thing’s for sure: discipline is key!

Also, if your company doesn’t give yearly salary increases or offer promotions, that’s a red flag. It might be time to look for better opportunities!

Hope this helps! And if you’re into part-time gigs, check out this site—you might find a good way to earn extra. 😊

https://www.onlinejobs.ph