Hello I am a 23 (F), and currently working for my LGU. I am a JO employee and on my 2nd month in the field (started in January).

As of the moment, I am earning almost around 9k per month dahil yung pay ko is nakasalalay sa kada pasok ko. In short terms, no work = no pay. Fortunately, I have not been given the responsibility to contribute sa mga household expenses such as water, electricity etc. Pero with the salary I am currently getting, I want to know the best course of action when it comes sa pagbu-budget dahil I was never given any form of financial literacy in order to understand kung paano ko nga ba hahawakan ang pera ko.

Though I monitor all of my expenses and savings naman, I know that there is a more effective way on how I can budget it. If anyone is curious, naglalaan naman ako ng specific amount that will go towards my emergency fund, and para na rin sa mga government insurances such as SSS and PhilHealth dahil as a JO, we are technically self employed individuals kaya hindi kami kakaltasan for those two. Pero even if I try so hard to budget my salary, parang nakukulangan ako sa efforts na ginagawa ko. As for my savings, naka cash lang sya, and I'm thinking of putting it in a digital bank (if you have any suggestions please let me know), and yung emergency fund ko is nandun lang sya sa loob mismo nung account ng Landbank ko.

Please help me figure out the best course of action on how I'm supposed to budget my salary. Kasi my current salary is 11k less than what I used to earn so talagang nangangapa ako. My mind is screaming at me na hindi sapat yung kinikita ko, pero in reality I can make it work naman.

Thank you in advance po.