21 Things I Learned in 2021
1. TRACK YOUR MONEY...CREATIVELY I have been tracking the ins and outs of my money just few months after I started working. Sure, it was strenuous in the beginning and tested so much of my commitment, but as the saying goes, what's worth doing is worth doing well so I just had to embrace the challenge of making it as a habit. I think what helped also is the idea of incorporating my fancy in journaling to my money tracker. By purchasing a decent journal and making use of some washi tapes and colored pens, it made me enthusiastic to write out my expenditures. This forced commitment has become my bi-weekly habit since then. It is effective to review your previous expenses and compute your budget to meet your required target savings for the whole month. Doing this might be exhausting– and makes you feel obligated (which is a must, actually) but putting your own creativity actually works on me. So, it is always a trial and error but once you find your own groove on something it will be