You know the feeling.
It’s Monday morning.
Your wallet is emptier than your stomach after a weekend of samgyupsal and milk tea.
You’ve got exactly P100 for baon until Friday.
Panic sets in.
How in the world are you going to survive the week?
Don’t worry, kabayan! We’ve all been there.
Stretching your P100 baon like it’s made of rubber is a skill every Pinoy student (and even working adult) has mastered.
Consider this your survival guide. We’ll make that P100 stretch further than your pasensya during rush hour.
Master the Art of “Bentelog” (P20 Budget Meals)
Your lolo didn’t survive World War II on an empty stomach, and neither will you.
The legendary “bentelog” (P20 budget meal) is your new best friend.
- Look for carinderias and karinderyas: Skip the fancy cafes. You’ll find delicious and affordable home-cooked meals in these humble food havens.
- Be a friend to the ate and kuya serving: A little kindness goes a long way. Who knows? They might even throw in an extra scoop of rice.
- Become a master of sabaw: Need to feel fuller for longer? Ask for extra soup! Hydration and satisfaction in one go.
Pro Tip: Some places even offer “unli rice!” Fill up on that.
Pack Lunch Like a Pro
Remember your baunan from grade school? Time to dust it off.
- Sunday is luto day: Dedicate a couple of hours on Sunday to prepare some simple meals for the week. Adobo, giniling, or even just a big batch of tuyo can go a long way.
- Divide and conquer: Portion out your prepped meals into reusable containers for easy grab-and-go lunches.
- Fruits over chips: Craving something sweet? Mangoes and bananas are your friend. They’re cheaper and healthier than junk food.
Pro Tip: Get creative! Rice with a fried egg and a dash of soy sauce makes a perfectly delicious (and affordable) lunch.
Master the Art of the “Diskarte” Commute
Transportation costs can eat up your baon faster than your tito can finish a plate of lechon.
Here’s how to outsmart the system:
- Walk when you can: If your destination is within walking distance, put on your comfy shoes and get those steps in!
- Embrace public transport: Jeepneys and buses are your allies.
- Student discounts are your best friend: Always bring your ID and don’t be afraid to ask for the discount. Every peso saved counts!
Pro Tip: Download a transportation app to find the cheapest and fastest routes.
Side Hustles for the Win
Want to level up your diskarte? A little extra cash never hurt anybody.
- Sell pre-loved clothes or items online: Time to clean out your closet! One person’s trash is another’s treasure.
- Offer your skills: Good at tutoring, designing, or writing? Advertise your services online or within your campus.
- Be a weekend warrior: Look for part-time jobs on weekends to boost your income. Even a few hours can make a difference.
Pro Tip: Don’t be afraid to get creative with your side hustles. Every little bit helps!
Make Friends with “Libre” and “KKB”
This one’s a classic for a reason.
- Embrace the power of “potluck”: Suggest potlucks for group hangouts. Everyone brings something to share, which means less spending for you.
- Master the art of “KKB”: Kanya-kanyang bayad is your best friend.
- “Libre next time” is not a promise: While it’s tempting to give in to “treat yourself” days, remember your priorities.
Pro Tip: Be honest with your friends about your budget constraints. True friends will understand.
Budgeting Tips Your Tita Will Be Proud Of
Titas are the queens of budgeting, so channel your inner tita and follow these tips:
- Track your expenses: Write down everything you spend, no matter how small. It’s eye-opening to see where your money actually goes.
- Set a daily budget: Divide your P100 by 5 days. That’s P20 a day, my friend. Stick to it like your life depends on it.
- Ditch the unnecessary expenses: Do you really need that overpriced coffee? Can you survive without the latest load promo?
Pro Tip: Create a budgeting system that works for you. You can use a notebook, an app, or even just the notes section on your phone.
Turn “Diskarte” into a Habit
Stretching your P100 isn’t just about surviving the week. It’s about developing good financial habits that will serve you for life.
- Delayed gratification: Learn to resist instant gratification. Sometimes, waiting a little longer to buy something you want can be more rewarding (and easier on the wallet).
- Appreciate the value of money: Every peso counts. Understanding the hard work it takes to earn money can help you spend it more wisely.
- Plan for the future: Start thinking about your financial goals. Do you want to save up for a gadget? A trip? Start small and work your way up.
Pro Tip: Remember, financial freedom is not about having a lot of money. It’s about having control over your finances.
P100 is More Than Just Money
It’s a reminder that even in the face of limited resources, we Filipinos are experts at diskarte, resilience, and good humor.
So next time you’re looking at your wallet with kaba because it’s Monday and you’re down to your last P100, remember this:
You’ve got this.
You have the creativity, the resourcefulness, and the unwavering Pinoy spirit to conquer anything—even a week on a tight budget.
Now go forth and conquer that P100 baon!
*Disclaimer: I am not a certified financial advisor. This blog is for informational purposes only and should not be construed as financial advice. Please consult with a qualified financial advisor before making any financial decisions.