Saving Up
I recently saw a post where a girl was able to save 40k by pretending that all the 50 peso bills were invisible. She would literally not spend any 50 peso bill that came her way. That got me thinking...maybe I could do that too. But to make it more fun, I will be including coins in my challenge.
So today I challenged my self not to spend any 20 peso bill, 10 peso coin, and 5 peso coin that came my way. Just like my source of so-called inspiration, those denominations will be invisible to me as well. That leaves all other denominations that I can spend any way I want to spend them.
Why do this you ask? I have recently been fearing not being able to leave anything of value to my children when I die. I also have this fear that I will be dirt poor once I retire. My parents don't know this but the company I have been working for for the past three plus years does not offer any retirement benefits. During employment orientation, we were informed that since we are just a subsidiary of a subsidiary, management is still working on asking the mother company if we can have some sort of retirement benefit if we last that long with the company.
So I am really scared right now. I have been working since I was in my 20s but all I can show for my years of hard work are a few appliances in my room. All of my jobs so far have paid me decently, but not to the point where I can take a break for a year and not sweat about my bills. Sure, I may never have a job like that, a job that will pay me hundreds of thousands every year, but I'm good with that. It's challenging me right now to be more imaginative with how and where I spend my money. It's forcing me to evaluate what I spend my money on and what my priorities really are.
Right now, I am at the point where I don't stick to the challenges I give my self, but I have a feeling that that's going to change soon. I am 35, and I still having nothing of significant value to show my kids even though I have been working ever since my eldest has been 6 years old. I have sacrificed a lot of quality time with my children just for the sake of my jobs, but I have not much saved up. Sure, I may look like I live well and that I have money, but that's just an illusion. I have nothing. I am living paycheck to paycheck and would be even more miserable if my family had decided not to help me out with sending my kids to school.
So...I have started the invisible money challenge in the hopes that I will be able to save up enough money to send my eldest to college (which will be in a few years...sh*t). Or at least contribute to his college expenses. I can't mooch off of my mother and sisters forever even though they love my children dearly. I just cannot do it. It's not a pride thing, it's a responsibility thing.
Hopefully, this challenge will help me save enough money to open up bank accounts for both of them. The bank near my house has a 10k limit for opening new accounts, and right now I don't even have ten percent of that in my piggy bank.
This is going to be tough for me, but that's why it's called a challenge. And as a famous proverb goes, the journey of a thousand miles begins with a single step. Just pray I don't go off track and spend my savings.
So today I challenged my self not to spend any 20 peso bill, 10 peso coin, and 5 peso coin that came my way. Just like my source of so-called inspiration, those denominations will be invisible to me as well. That leaves all other denominations that I can spend any way I want to spend them.
Why do this you ask? I have recently been fearing not being able to leave anything of value to my children when I die. I also have this fear that I will be dirt poor once I retire. My parents don't know this but the company I have been working for for the past three plus years does not offer any retirement benefits. During employment orientation, we were informed that since we are just a subsidiary of a subsidiary, management is still working on asking the mother company if we can have some sort of retirement benefit if we last that long with the company.
So I am really scared right now. I have been working since I was in my 20s but all I can show for my years of hard work are a few appliances in my room. All of my jobs so far have paid me decently, but not to the point where I can take a break for a year and not sweat about my bills. Sure, I may never have a job like that, a job that will pay me hundreds of thousands every year, but I'm good with that. It's challenging me right now to be more imaginative with how and where I spend my money. It's forcing me to evaluate what I spend my money on and what my priorities really are.
Right now, I am at the point where I don't stick to the challenges I give my self, but I have a feeling that that's going to change soon. I am 35, and I still having nothing of significant value to show my kids even though I have been working ever since my eldest has been 6 years old. I have sacrificed a lot of quality time with my children just for the sake of my jobs, but I have not much saved up. Sure, I may look like I live well and that I have money, but that's just an illusion. I have nothing. I am living paycheck to paycheck and would be even more miserable if my family had decided not to help me out with sending my kids to school.
So...I have started the invisible money challenge in the hopes that I will be able to save up enough money to send my eldest to college (which will be in a few years...sh*t). Or at least contribute to his college expenses. I can't mooch off of my mother and sisters forever even though they love my children dearly. I just cannot do it. It's not a pride thing, it's a responsibility thing.
Hopefully, this challenge will help me save enough money to open up bank accounts for both of them. The bank near my house has a 10k limit for opening new accounts, and right now I don't even have ten percent of that in my piggy bank.
This is going to be tough for me, but that's why it's called a challenge. And as a famous proverb goes, the journey of a thousand miles begins with a single step. Just pray I don't go off track and spend my savings.
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