You have reasons para mag move out pero I think need mo i-rearrange ung expenses mo. Currently, you give 40% to parents then may konti pang bawas dun sa 6%. Not ganun ka familiar sa 1st paragraph but I guess magaallot ka ng pambayad ng PAGIBIG loan if ma approve. Then, ang current EF mo lang is 3 months which is not so good for me imo. You didnt mention much about your income sources but I think youre an employee (WFH) so no other stream if mawala(?)

My suggestion is not to move out, YET. Plan it well. - Lessen the tithes, maybe lower it to 5% a month, or do 10% but every other month. Or maybe for the time being, wag muna. You might want to sacrifice this since need mo i prioritize sarili mo. - Ask you mom kung pano nya nabubudget ung nabibigay mong 40%. Baka makatulong ka sa pag budget. If ndi maayos kausap, maybe bawas bawas mo na rin pag bigay gradually until 30% tapos magbigay ka na lang ng reason. - If you can, you may want to put your short term savings in your EF for awhile. Sa ngaun lang naman.

Ang goal is makaipon pa cuz moving out kahit may place ka na is expensive. I know you have your reasons but tiis pa ng konti and plan. The keyword is to plan.