2025 Money Wrapped

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Kahit luhaan ako sa mga gastos namin, I am equally excited to look at our last year’s spending because I have now gained clarity. Since nagkaron ng major changes sa aming 2025 expenses, mas alam ko na ngayon yung i-eexpect for 2026. Nung naka-apartment pa kami, kasama na sa monthly rent namin yung utilities, kaya hindi kami sanay na nagbabayad ng tubig at kuryente. Ngayon, based on the monthly averages, alam ko nang kelangan naming mag-allot ng extra $250 every month.

Ang daming adjustments na nangyari last year. Lumaki yung housing costs namin because of the mortgage, tapos ang dami pang nadagdag na bayarin (home insurance, property tax, utilities). Bukod pa dun, nawalan ako ng income nung August. Kaya ang malaking bottomline ng lahat ng ito ay: kailangan ko nang makahanap ng trabaho STAT.

Natuwa akong gawin yung mga graphics this year. Favorite ko yung ‘Money Wrapped’—tingnan nyo mamaya hehe. Just like before, I’ll start with a snapshot of our average monthly spending, then show the numbers after.