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Are you among the Filipinos today who have a WalWal (wallet na walang laman)?

How do you survive on a day of danger, “petsa de peligro? Share your experience below.


Walwal, an acronym for “wallet na walang laman,” is often experienced when you spend more than what you earn.


It also occurs when you spend a lot during the period of wages or salary, but are broke during the days when you mostly need the money.


Be Walwal free and make it a habit to save money first before spending.


To avoid being severely broke at times you needed the money, discipline yourself, avoid dining out or partying regularly, and avoid making extravagant commitments.


Your savings goal will be more effective if you deduct 20% of your monthly income immediately and save it to a separate bank account, and the remaining 80% will be allocated for your expenses.


Just remember this formula: Income-Savings = Expenses. LBP


You may want to read:

  • Kasambahay Minimum Wage in Region 2