Learning....

I shouted with glee when I saw my current electricity bill. It went down by 23%! 

Other joys...the water bill has decreased by 27%. If the cooking gas lasts until the 7th of the next month, it means that we used one tank for two months instead of the usual one tank per month. Unfortunately, the price of rice has increased by 48%. And increasing prices for grocery, transportation costs, clothes, etc.

Who would think that I would be doing this? Computing by percentage my expenses. But when you are beginning to feel the pinch, then you become conscious.

I have been recording my expenses for the last six months. Just to see where my money is going. But it was only recently, in fact, it was only last week, that I scrutinized the excel table and what I saw is not good. I have been dipping from my savings. Not good... it is terrible, in fact.

Savings should at least be 10% of one's income. I am trying to practice this principle. It is getting harder and harder each day. 

I panic sometimes when I think of figures and percentages. Thus, in this crazy time, I am trying to learn about how to better manage my finances. Not easy.

More importantly though, I am learning more and more to depend on God. To always remember that He is my Father and He will take care of me.