One Thing We Wish We Started Earlier
Matagal na kaming magkasama ng partner ko sa bahay, and ever since, sinusunod namin yung 50-50 rule pagdating sa finances. Hati sa bills, hati sa dates, halos hati sa lahat. Kahit mas malaki ang sahod ng isa, dapat equal pa rin ang contribution.
At first, feeling namin fair siya.
But eventually, we realized na hindi pala siya fair in practice.
Why?
Because mas mabigat siya para sa taong mas mababa ang income. Kahit pareho kayong nagbibigay ng amount, hindi pareho yung impact nito sa finances ninyo.
For example, kung ang isa ay kumikita ng โฑ30,000 per month at ang isa naman ay โฑ60,000 per month, tapos may โฑ10,000 kayong rent, tig-โฑ5,000 kayo.
On paper, equal siya.
Pero para sa kumikita ng โฑ30,000, thatโs already 16% of their income. Para naman sa kumikita ng โฑ60,000, nasa 8% lang.
Same amount. Different impact.
Thatโs why we eventually decided to combine our income. Naging โpera naminโ na siya, hindi na โpera koโ at โpera niya.โ
For us, mas naging madali ang pag-budget, pag-prioritize ng bills, at pag-manage ng wants and needs. Mas naging team effort yung finances namin instead of keeping score kung sino ang nagbayad ng ano.
Of course, iba-iba naman ang setup ng bawat couple o mag-asawa. Hindi namin sinasabing ito ang tamang paraan para sa lahat.
Ito lang yung nag-work para sa amin.
Kayo, paano ang setup ninyo pagdating sa finances?
Planner Jona
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๐๐๐ฅ๐ฉ๐ข๐ง๐ ๐๐จ๐ฎ๐ฉ๐ฅ๐๐ฌ ๐๐ฎ๐ข๐ฅ๐ ๐ ๐๐ฎ๐ญ๐ฎ๐ซ๐ ๐ญ๐ก๐๐ฒโ๐ซ๐ ๐๐ฑ๐๐ข๐ญ๐๐ ๐๐จ๐ซ ๐๐ง๐ ๐ฉ๐ซ๐๐ฉ๐๐ซ๐๐ ๐๐จ๐ซ.๐งก
Real conversations about love, money, and building a future together.
๐Open to meaningful conversations.
One of the biggest money lessons we've learned as a couple is that financial decisions become easier when you're working towards the same goals. โค๏ธ
Here are 3 things that have helped us:
1๏ธโฃ Before making a big purchase, we ask ourselves:
"Will this still give us value years from now?"
It's easy to get excited about buying something today. But we've learned that not everything that makes us happy now will help us reach our goals later.
2๏ธโฃ Build an emergency fund as a couple.
Not just enough for one person, but enough to protect both of you.
Life can be unpredictable. Having 3 to 6 months' worth of expenses saved gives us peace of mind knowing we're better prepared for unexpected situations.
3๏ธโฃ Get insured together.
This was one of the best financial decisions we made.
We work hard for our future, so it only makes sense to protect it too. Insurance helps us worry less about the "what ifs" and focus more on the life we're building together.
We're still learning every day, but these are lessons we're grateful we started early.
How about you? What's the biggest money lesson you've learned as a couple? ๐
11/06/2026
Random question.
When you and your partner talk about the future, ano yung lagi ninyong napag-uusapan?
A dream house?
More travels?
Starting a business?
Growing your family?
And honestly, I love these conversations.
Because behind every goal is a couple choosing to build something together, one step at a time.
Kayo, what's a dream you're currently working on as a couple? ๐
09/06/2026
One night, may tinanong ako sa partner ko.
"Mal, what if mawalan ako ng work for months? Ano kaya mangyayari sa atin?"
Sagot niya: "Baka magbabago lifestyle natin. Maglilipat ng bahay. Titipirin natin lahat."
And that hit different.
Nakatira kami sa Metro Manila. Mataas ang bilihin. Mataas ang cost of living. If ang monthly expenses ko ay โฑ25,000.
3 months without income = โฑ75,000 na kailangan naming harapin if wala kaming emergency fund.
Tapos naisip ko pa...
What if hindi lang job loss?
What if critical illness pa?
Hindi na lang lifestyle ang magbabago. Kundi yung gamot, hospitalization, recovery. Lahat ng โyon on top of everything else.
Ang hirap pala. Ang complicated.
Kaya kami ng partner ko, sinikap namin parehas magkaroon ng sariling health protection plan. Para kung may mangyari man, handa kami. Hindi kami mag-aalala para sa isa't isa.
Kayo ba?๐งก
Message me kung gusto mong malaman kung paano. Libre ang usap. โบ๏ธ
09/06/2026
Akala niya para sa sarili niya lang.
Pero bago siya mag-decide, may isang tao siyang naisip.
โPaano naman siya?โ
Initially, siya lang sana ang kukuha ng health plan. Pero habang pinag-uusapan namin ang future, naisip niyang mas magandang sabay silang maging handa.
๐ For Him: โฑ130/day
๐ฉท For Her: โฑ120/day
Hindi dahil may sakit.
Hindi dahil may emergency.
Kundi dahil may future silang gustong protektahan habang maaga.
Minsan, ang pinakamagandang regalo sa taong mahal mo isnโt something you buy.
Itโs knowing that youโre both preparing for the future together.
If youโre building a future with someone, baka magandang pag-usapan niyo rin ito.
Message me with โCOUPLEโ and Iโll share a sample plan based on your age. ๐งก
08/06/2026
โ๐๐๐ค๐ข๐ญ ๐ก๐ข๐ง๐๐ข ๐ค๐ ๐ฉ๐ ๐ซ๐๐๐๐ฒ ๐ฆ๐๐ ๐ฉ๐๐ค๐๐ฌ๐๐ฅ?โ ๐ญ๐๐ง๐จ๐ง๐ ๐ค๐จ ๐ฌ๐ ๐ฃ๐จ๐ฐ๐ ๐ค๐จ ๐๐ฒ๐ซ๐ฌ ๐๐ ๐จ.
Napaisip siya.
Tapos sabi ko,
โ๐๐ค๐จ, ๐ก๐ข๐ง๐๐ข ๐๐ค๐จ ๐ฉ๐๐ฉ๐๐ฒ๐๐ ๐ง๐ ๐ฆ๐๐ ๐ฉ๐๐ค๐๐ฌ๐๐ฅ ๐ญ๐๐ฒ๐จ ๐ก๐๐ง๐ ๐ ๐โ๐ญ ๐ฐ๐๐ฅ๐ ๐ค๐๐ง๐ ๐ข๐ง๐ฌ๐ฎ๐ซ๐๐ง๐๐.โ
Napatawa siya.
โ๐๐ง๐ฌ๐ฎ๐ซ๐๐ง๐๐ ๐๐ ๐๐? ๐๐ค๐๐ฅ๐ ๐ค๐จ ๐๐๐ก๐๐ฒ ๐จ ๐ค๐จ๐ญ๐ฌ๐.โ
Sabi ko,
โ๐๐ข๐ง๐๐ข ๐ง๐๐ฆ๐๐ง ๐ค๐๐ข๐ฅ๐๐ง๐ ๐๐ง๐ ๐ฆ๐๐ฒ๐๐ฆ๐๐ง ๐ญ๐๐ฒ๐จ ๐๐๐ ๐จ ๐ฆ๐๐ ๐ฉ๐๐ค๐๐ฌ๐๐ฅ. ๐๐๐ซ๐จ ๐ ๐ฎ๐ฌ๐ญ๐จ ๐ค๐จ ๐ก๐๐ง๐๐ ๐ญ๐๐ฒ๐จ.โ
Dati kasi akala ko sapat na na mahal namin ang isaโt isa.
Pareho kaming may trabaho.
Pareho kaming may pangarap.
Pareho kaming gustong bumuo ng pamilya.
Pero habang tumatanda kami, mas naiintindihan ko na hindi lang pala pagmamahal ang kailangan.
Kailangan emotionally ready.
Kailangan marunong kayong magsolusyon ng problema nang magkasama.
Kailangan pipiliin niyo pa rin ang isaโt isa kahit hindi madali.
At kailangan handa rin financially.
Sabi ko sa kanya,
โ๐๐๐ฉ๐๐ ๐ฆ๐๐ ๐๐ฌ๐๐ฐ๐ ๐ง๐ ๐ญ๐๐ฒ๐จ, ๐ก๐ข๐ง๐๐ข ๐ง๐ ๐ฅ๐๐ง๐ ๐ฉ๐ซ๐จ๐๐ฅ๐๐ฆ๐ ๐ฆ๐จ ๐๐ง๐ ๐ฉ๐ซ๐จ๐๐ฅ๐๐ฆ๐ ๐ฆ๐จ. ๐๐ซ๐จ๐๐ฅ๐๐ฆ๐ ๐ค๐จ ๐ง๐ ๐ซ๐ข๐ง. ๐๐ญ ๐ ๐๐ง๐ฎ๐ง ๐๐ข๐ง ๐๐ค๐จ ๐ฌ๐๐ฒ๐จ.โ
Tahimik siya.
Tuloy ko,
โ๐๐๐๐ง๐จ ๐ค๐ฎ๐ง๐ ๐๐ข๐ ๐ฅ๐ ๐ค๐๐ง๐ ๐ฆ๐๐จ๐ฌ๐ฉ๐ข๐ญ๐๐ฅ?โ
โ๐๐๐๐ง๐จ ๐ค๐ฎ๐ง๐ ๐ก๐ข๐ง๐๐ข ๐ค๐ ๐ฆ๐๐ค๐๐ฉ๐๐ ๐ญ๐ซ๐๐๐๐ก๐จ ๐ง๐ ๐ข๐ฅ๐๐ง๐ ๐๐ฎ๐ฐ๐๐ง?โ
โ๐๐๐๐ง๐จ ๐ค๐ฎ๐ง๐ ๐ฆ๐๐ ๐ค๐๐ซ๐จ๐จ๐ง ๐ง๐ ๐ฆ๐๐ฅ๐๐ค๐ข๐ง๐ ๐ฆ๐๐๐ข๐๐๐ฅ ๐๐ข๐ฅ๐ฅ?โ
Hindi naman sa nag-ooverthink ako.
Pero gusto ko lang na kung dumating man yung mga bagay na hindi natin kontrolado, hindi pera ang una nating poproblemahin.
Mas gusto kong ang focus natin ay pagpapagaling.
Pag-aalaga.
At pagbangon.
Hindi kung saan kukuha ng pambayad.
Kaya para sa akin, hindi lang tungkol sa pera ang insurance.
Parte siya ng pagiging responsable sa taong plano mong makasama habang buhay.
Hindi masamang pag-usapan ang pera sa isang relasyon.
Sa totoo lang, baka isa pa nga ito sa mga pinakamahalagang pag-uusap bago magpakasal.
๐๐ค๐๐ฐ, ๐๐ง๐จ ๐ฒ๐ฎ๐ง๐ ๐ข๐ฌ๐๐ง๐ ๐ง๐จ๐ง-๐ง๐๐ ๐จ๐ญ๐ข๐๐๐ฅ๐ ๐ฆ๐จ ๐๐๐ ๐จ ๐ค๐ ๐ฆ๐๐ -โ๐ ๐๐จโ? ๐งก
19/05/2026
Most of our parents spent their whole lives making sure we were safe, comfortable, and protected.
Now that weโre older and capable, maybe itโs our turn to protect them too. ๐ค
Many people think insurance is only for young professionals or breadwinners.
But the truth is, preparing for our senior parents can also give families peace of mind during unexpected moments.
This sample plan for a 62-year-old female provides up to โฑ2M life insurance coverage for as low as โฑ2,500/month.
Because love is not only about providing today.
Sometimes, itโs also about preparing for tomorrow.
Message me if you want to explore options for your parents while theyโre still insurable. โบ๏ธ
18/05/2026
One of the saddest realizations in adulthood is this:
Our parents are aging while we are busy building our lives.
Sometimes, growing up is not only about becoming successful.
Itโs about becoming capable enough to protect the people who once protected us first.
16/05/2026
Your parents are getting older too.
Call your Mama. Visit your parents. Spend time while you still can. ๐งก
16/05/2026
We always think thereโs still time.
โIโll start next month.โ โKapag nakaipon na.โ โKapag mas stable na.โ
We delay workouts, checkups, rest, family time, and sometimes even preparing for the people we love most.
Preparation feels optionalโฆ until life makes it necessary.
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