How do you see investments?
In essence, it should not be treated as "dagdag-gastos," but as a means to earn more for the family.
Chito Miranda says this mindset has made it easier for him and wife Neri Naig-Miranda to automatically set aside an amount for their investments.
On May 17, the couple held a livestream session on their respective Facebook and Instagram profiles to give viewers more insights into their budget allocations.
He explained, "Kung may kikitain kang pera, instead of finding ways kung paano mo gagastusin, find ways kung paano mo siya palalaguin.
"Iyon iyong pinakamagandang pagtripan. Sobrang enjoy iyan kasi parang game, e.
"Kunwari may pumasok na PHP12,000, iyong PHP10,000, save mo na and find ways kung paano mo papalakihin ang PHP10,000.
"Iyong PHP2,000 na butal, puwede mo gastusin. Do not deprive yourself."
When handling a larger amount of money, Chito would divide it this way:
"Sa isang pool of money, kung meron kang PHP100,000, dapat meron more or less, 30, 30, 40 ang tingin ko diyan, e.
"PHP30,000 is for emergency, PHP40,000 is for short-term investments, PHP30,000 long term...
"Save first and invest that money.
"Iyong natitira, iyon lang iyong pagtripan mo para hindi mo rin i-deprive sarili mo.
"And you will always have something na paghuhugutan ng money once you need it."
Hence, Neri chose to invest her earnings by building small businesses—such as selling sleepwear and linens online; a bakeshop and an ukay-ukay shop in Tagaytay.
This small business entreprise began when Neri started to invest in her tuyo gourmet recipe.
At the start of this year, the self-made entrepreneur was busy building her own wellness center also in Tagaytay.
Praising his wife's hustle, Chito said, "Talagang kinarir niya. Si Neri, never na iyan bumili ng mga bags, never na iyan bumili ng mamahalin.
"Hindi [siya] bumili ng super luho kasi... what made her feel good was having more money.
"So, iyong pera na ginawa niya, instead na gastusin niya, kung saan-saan niya in-invest na businesses. All money was directed to businesses.
"Instead of buying stuff, you spent it on things that would make you more money."
Having separate bank accounts also allowed Neri to take bigger risks in her investments, which Chito would often support.
This works for them because the Parokya ni Edgar vocalist is in charge of the monthly household expenses.
He remarked, "Example lang, a. Ako, kung magiging part owner ako ng restaurant, shareholder lang ako. Five percent, ten percent, depende sa available kong money at that time.
"Si Neri, gusto niya siya may-ari ng restaurant. Labas agad ng pera.
"Pero kasi, ganito iyon, a, big risks, big rewards. The reason why you [Neri] can be a risk taker is because, ako, conservative ako. Provider ako.
"If I fail, damay iyong buong pamilya, so conservative ang investments ko.
"Iyong mga surefire na hindi man malaki ang kita, sigurado kikita.
"Si Neri, gagastusin niya sa restaurant. If it fails, okay lang kasi she's playing with her money. Iyon iyong maganda doon."