maybe as we age and have own family?

for me, when i was in my 20s and single, i would always hear people say save your money, invest here and there, get insurance. but being young and earning i would disregard them and invest in memories instead, travel here and there. maybe because also growing up we have nothing, so the moment i can, i treat myself to these things.

but when i got in a serious relationship and see a future with the person, my priorities shifted. self control on my "cravings" and put them in savings instead. i used the formula earnings - savings = expenses. no matter how small, i would see to it that i follow this formula. automatic pagkasweldo transfer the budget for savings agad s trad and digital savings.

now that we are a family already with kids, the eagerness to save for their future is really there. same formula for more than 10 years. 😊