How to Survive with a 10K Monthly Salary

how to survive with 10K salaryAs of 2015, the Philippines has a minimum wage of 10,200 pesos monthly. Can you survive with that amount? Yes, if you are single, alone, and good with budgeting and planning. But if you are feeding at least three people (except yourself), paying a loan, renting a room, and living an excessive lifestyle, you’ll possibly be a dead rat before Halloween comes.

So, how can you survive and live with your 10K monthly salary?

    Don’t wonder why you can’t save with your 10K if you are always on the go for nightlife, shop like a one-day millionaire, and live with vices. I’m not saying to stop your vices, I’m just saying to reduce them. If you drink one (1) case of alcohol a week, reduce it to a half. It’s your life, by the way, so it’s still your choice whether you’ll change your lifestyle or not.
    If your time allows you, look for a part-time job to add to your budget. You can’t really expect to save from your 10K if you have more expenses than income. Freelancing is one of the jobs available online or offline. I’ll be talking more about this below.
    Look for a freelance job where you can own your time while maximizing your skills, whether it’s writing, developing a website, or any other specializations you have. By the way, our company is still in need of a dedicated freelance content writer. If you wish to learn more and expand your writing abilities, reach me out to find an available slot (Cebu, Philippines-based only). You can also register with freelancing platforms, like Upwork and FreeeUp.

Related blog post: How I Survive Without a Job in 3 Months

    I’m not talking about a pyramiding scam here; I’m talking about real direct sales companies. With them, you can learn and earn at the same time. Remember to check the company’s website, read reviews about the company, ask friends about the company, and know if they are a member of the Direct Selling Association of the Philippines (DSAP), HADSAP, HALAL, etc. Also, investigate if they have issues about fraud. If you can find a legit company, do it part-time while keeping your full-time with a regular 10K salary.
    Instead of wasting time in soap operas and other time-killing habits, learn about how to budget your finances and how to handle money in general. Change your playlist with an audiobook or a podcast. Read books about success like Robert Kiyosaki’s “Rich Dad Poor Dad.”


You see, you can survive with a 10K salary. You just really need to be smart enough. Did you know that in the United States, people need to have at least 3 to 4 jobs just to put food on the table? Why can’t you do that, especially if you only have a 10K monthly salary? You need to stop doubting yourself and start making some progress. Work hard and smart to achieve your dreams in life.

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JP Abecilla

JP Abecilla is a lifestyle Filipino blogger, freelance content writer, copy editor, and motivational speaker based in Cebu City, Philippines. He was awarded Blog of the Year 2020 (2nd Place) and Best Cebu Events Blog of 2019. More than writing, JP loves drinking a cup of coffee and eating donuts while reading a book or magazine.

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