Like you, I do have lots of bills and loans to settle on a monthly basis. I feel like my bills are more than my salary, tbh. That's why I also devote my free time/rest days for side hustles...
With regard to coin saving, I'm only saving the 20-peso coins pag may tira sa mga sukli ng paper bills, Sissy. Nakasanayan ko na rin kasi yearly. Thank you so much for the appreciation. I'm excited to your ipon challenge in the future. 🙏 💙