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Bro. Oliver Bugarin, Licensed Financial Advisor
FAMILY FINANCES in Philippines
Every family has the responsibility to provide for its own needs to the extent possible. The responsibility to manage family finances should be shared between husband and wife with an attitude of trust and openness. Wise financial management can provide security and promote family well-being.
The key to good family money management is expense management. We need to to live below our means and be content with what God has given us. This is hard for all of us, but it is an important life lesson.
The key is to develop a good budget, which is basically a spending plan. Invest the time in learning to use helpful tools, such as a computer spreadsheet or a financial program. If you have never had a budget, spend two or three months tracking your spending.
Try keeping a log every time you spend money so that you can improve your budget understanding. Then examine your habits and determine how you would like to proceed and where you need to cut back.
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