My wife-when we're not married yet--used to tell me that I should have at least 4-6 months worth of my salary in my bank in case something happens. I never took this seriously kasi kahit naman nung minimum age earner ako at nung lumaki na ang sweldo ko, wala pa rin ako nase-save. Naging maluho ako nung naging ok ang work ko.
Kasi ang problema ko nun, I had all my money in just one account. I did not separate my supposed savings from my salary. Ang ginagawa ko dati ay kung ano yung natira, yun ang savings. Tapos nagagastos ko rin kasi easy access sa ATM ko. Dapat kasi every sweldo ay automatic na may itinatabi na ako. This is something I will never touch... Tipong 25 to 30% every month. I started with that. Di ko talaga ginagalaw yung nakatagong pera. Tapos medyo tinaasan ko na yung tinagong pera as I went along.
Then another guy I met told me that we have surplus spending. What we spend on food, gas/transpo, some clothes is just fine. Necessity yun. Surplus is what we spend on things we don't really need. The money I spent on coffee, tambay, gimik, motorcycle/car modifications... surplus. I cut down on these, unit-unti hanggang sa totally nawala na. I was surprised with the result. Ang laki pala ng ginagastos ko sa mga bagay na di naman importante.
Sabi rin nya, to not feel the bump of saving, dapat we make it a point to pamper ourselves once in a while. A trip out of town, a day at the spa, a movie... yang mga yan, ok daw yan. Basta minsan lang, wag sobra-sobra, at hinding-hindi kukuha sa nakatagong pera.
With the money I saved for not spending on suplus and the money I kept every payday, I was able to meet my objective. My buffer money na ako--na patuloy ko pa ring pinapalago. And combined with my wife's savings, we were able to pay the equity of a two storey house, pay the DP of a brand new car (well, I sold the old car for this, pero dinagdagan pa rin namin para umabot demand ng dealer), have a collection of old Japanese scooters, get married last year, get into photography, and pay the medical bills for our new born just a few weeks ago. All these in barely two years. It took us a year and a half to save for the house and the wedding. I said it was impossible. I've worked for 9 years, ni isang buwang sweldo, di ko naitago. It only worked when I took saving seriously.
I guess my point here is, mapalaki o mapamaliit ang salary, if you won't plan ahead, walang kapupuntahan ang pera.