No Buy Challenge by Karen

03/29/2026

Madali naman kumita sa Canada—basta masipag ka at hindi mapili sa trabaho.

Kung willing kang magsimula kahit hindi pa “dream job” mo, at ready kang magtrabaho ng maayos araw-araw, may opportunity talaga.

Hindi lahat comfortable, hindi lahat glamorous—but trabaho is trabaho. And if you’re consistent, may resulta.

Pero ang pinaka-importanteng lesson ko lately—hindi sapat na kumikita ka lang. Kailangan alam mo rin kung saan napupunta pera mo.

You have to be consistent in tracking your money.
Na-curious ako kung magkano na, kaya napa-compute ako bigla 😁

As of Day 6 of 30:
Earnings: 26,400 pesos (615 CAD)
Expenses: 3,150 pesos (73 CAD)

03/27/2026

Day 3 of my No-Buy Challenge

First day ko today sa class na in-enroll-an ko, and honestly, wala pa talaga akong expectations. Pumasok ako empty-handed — walang baon, baon ko lang confidence 😅

Pagdating doon, ayun… napagastos agad. Gutom + rush + unprepared = gastos.

After class, nagmamadali pa ako papuntang work, so napilitan akong mag-Uber. Another extra expense.

Lesson learned:
Kailangan talaga ng preparation.
Mag-baon, mag-plan ahead, para iwas sa panic decisions na nauuwi sa gastos.

Dito ko na-realize na trial and error din talaga ‘tong challenge na ‘to. Hindi siya magiging perfect agad — may sablay, may adjustments, pero part yun ng process.

Ang importante, aware na ako sa patterns ko, and I’m working on fixing them moving forward.

After class and work, nag-part time job pa ako for a couple of hours. Small wins pa rin — kahit may gastos, may kinita at may natutunan.

Earnings today: ₱2,990 (≈ 70 CAD) for 3.5 hours
Expenses today: ₱1,650 (≈ 38 CAD)

Goal ko ngayon: maging prepared at intentional, para hindi ako napapagastos dahil sa panic mode.

Next time: sariling food, sariling plano, mas controlled ang gastos.

Trial and error, but still in my savings era 💪✨

03/26/2026

Day 2 — not that strong 😁

Alam ko challenging ‘to, especially kasi once in a while I go out with friends. And honestly, I think that’s still necessary spending — it’s about balance, not restriction.

Few years back, ganito na ako — bihira mag-shopping, no impulse buying, very mindful sa gastos. And totoo, malaki yung na-save ko during that time.

But this time, mas intentional na.

I’m doing this not just to save, but to track everything. Hindi na yung feeling lang na “parang ang dami kong na-save.” Gusto ko may real numbers, may proof, may progress na nakikita ko mismo.

Because saving is good —
but tracking makes it powerful.

Mas motivating, mas eye-opening, mas real yung journey.
And I decided to share my earnings daily too for transparency.

Earnings today: ₱5,320
Expenses: ₱1,500 (food)

Every day na hindi ako nag-iimpulse buy is already a win.

Hindi siya tungkol sa pagtitiis —
it’s about being aware, intentional, and building habits aligned with my future goals.

Excited na ako makita yung total savings ko at the end of this challenge.

Let’s go, Day 3! 🔥

03/25/2026

I decided to start my No Buy Challenge after realizing something—
I’ve been spending so much on things I don’t really need.

Little purchases here and there…
and before I know it, the total is already big.

Background: Live-in nanny in Toronto

New year, new mindset.
This time, I want to be more mindful, intentional, and financially aware.

I’m not aiming to be perfect—
I just want to be better.

Today is Day 1 of my No Buy era
(unnecessary spending only, of course 😅)

I’ll be tracking my expenses (and maybe even my income) for 365 days
to see how much I can actually save in a year.

It’s time to choose discipline over impulse,
and growth over instant gratification.

Let’s see the difference after one year.
Future self, I’m doing this for you.

03/25/2026

Hi everyone 👋

This page is where I’ll be sharing my No Buy Challenge journey—real life, real numbers, real lessons.

I started this on January 1, 2026 to fix my finances, control my spending, and build a better future for me and my daughter.

Na-share ko na siya before sa personal account ko,
but I decided to create a separate page para mas ma-focus ko and mas consistent yung sharing ko.

Hindi siya madali.
Madaming adjustments, madaming realizations.

This challenge is not about being deprived—
👉 it’s about being intentional.

Less impulsive spending,
more saving, more investing,
and focusing on what truly matters.

I’ll be sharing everything here—
kita, gastos, struggles, and lessons.

If you’re also trying to fix your finances or be more mindful with money,
you’re not alone 🤍

Let’s grow together 💛

09/19/2024

Good morning.

09/05/2024

09/01/2024

08/26/2024

Tag ko na yun sarili ko