Track your expenses: The first step to budgeting is to understand where your money is going. Start by tracking your expenses for a month to get a clear picture of where you're spending your money. You can use a spreadsheet, a budgeting app, or a pen and paper to record your expenses. This will help you identify areas where you can cut back and start saving.

Set financial goals: Setting clear financial goals can help you stay motivated and focused on your budgeting and saving plan. Your goals may include short-term goals, like saving for a vacation, or long-term goals, like buying a house or building an emergency fund. Be specific and realistic with your goals, and break them down into smaller, more manageable steps.

Create a budget: Once you've tracked your expenses and set your financial goals, it's time to create a budget. Start by listing all of your income sources, including your salary, any freelance work, or any passive income streams. Next, list your fixed expenses, such as rent, utilities, and transportation costs. Finally, list your variable expenses, like groceries, entertainment, and shopping. Subtract your expenses from your income, and make adjustments as needed to ensure that you're not spending more than you're earning.

Automate your savings: One of the easiest ways to save money is to automate your savings. Set up a regular transfer from your checking account to your savings account each month. This will help you save money without even thinking about it.

Look for ways to save on everyday expenses: There are plenty of ways to save money on everyday expenses. For example, consider cooking at home instead of dining out, or taking public transportation instead of driving. You can also look for discounts and coupons online or through loyalty programs.

Consider investing in a VUL or UITF: Investing in a Variable Universal Life (VUL) insurance policy or Unit Investment Trust Fund (UITF) can be a great way to grow your money over time. These types of investments can provide both insurance coverage and potential returns, making them a popular choice for many women in the Philippines. Be sure to do your research and choose an investment that fits your financial goals and risk tolerance.

Stay focused and motivated: Budgeting and saving can be challenging, but it's important to stay focused and motivated. Remember your financial goals and remind yourself of the progress you've made so far. Celebrate your successes, and don't be too hard on yourself if you slip up. With persistence and commitment, you can achieve financial empowerment and take control of your financial future.