Well, it looks like I haven’t clearly set up the reason for this saving goal. It was vague when I said it would be used to improve our financial situation however for this 100 day challenge where my one goal is to save as much money as I can, I haven’t been really clear as to why I needed to save. Here it is. This just became clear by yesterday. The money we will be able to save will go to our Emergency Fund. We don’t have any Emergency Fund yet and so I need to start working on it. Ideally, in my own terms, I want this Emergency Fund to support us for a matter of 6 months even without any other source of financial income.  This is for emergency purposes. This is one of the things that financially wise people do before venturing into any kind of business endeavor or whatsoever. So, instead of getting lured in buying a eye cream for dark circles, I would rather save my money and add it to our emergency fund.

As of now, both me and my husband work. Our wages are above the average, specially mine, very much above the average. But, it is very difficult to save up, for some reasons. It is just so difficult. I tell you, it is a very challenging thing to do specially because we live in the city. We live in the heart of the province of Cebu, in the main city itself where anything you do has a cost. Where anywhere you look, there’s something nice to buy. It is more of a challenge than you could ever think of. The cost of living in a city is way higher than in a province.

But I will not give up. If i have to sacrifice some things such as buying my favorite foods every now and then or getting to buy t shirts once in a while, then, let it be. I know I can achieve saving up for our Emergency Fund. I will. I can and I must……….