The Budget Planner That Helps Filipino Families Decide What to Pay Next
Household Decision Board™
No matter how much you earn, one question keeps coming back every payday. Ano ang uunahin kong bayaran? For some families, the challenge is to stretch a limited budget until the next salary. For others, income isn’t the problem anymore but somehow, the money still disappears before the end of the month. And sometimes, having more money can be intimidating too.
You can have a decent household income, multiple accounts, credit cards, bills, allowances, insurance, groceries, and family expenses and still reach the end of the month wondering “Saan napupunta ang pera namin?” That’s where budgeting needs to go beyond tracking.
Most budget planners only tell you where your money went. Very few help you decide where your money should go. That’s why I created the Household Decision Board™. Instead of becoming another expense tracker you’ll stop using after two weeks, this workbook becomes your family’s weekly financial dashboard.
Who Is This For?
✔ Filipino Families managing household finances with multiple income sources, OFW families, couples planning to get married and newly married couples.
✔ Executive Assistants handling family expenses
✔ Freelancers with irregular income
Why a Budget Tracker Isn’t Always Enough
A budget can tell you that ₱30,000 is coming in and ₱28,000 is going out. But real households don’t always operate that neatly. The Household Decision Board isn’t just a budget sheet. It’s a decision-making system. It will not only show you “Where did my money go?” or Saan napunta ang pera namin but also answers the following questions:
• What bills are due this week? (1st, 2nd, 3rd, 4th) MERALCO bill, Water and other bills
• What can I safely postpone?
• Which expenses have already been paid?
• Which payments are only partially paid?
• Which expenses were charged or paid using credit?
• How much cash do I still have available?
When payday comes, you don’t have to guess anymore because you can just open your Decision Board.
What’s Included
Forecast Income
Plan expected salary, commissions, business income, allowances, or other cash inflows before the month starts.
Actual Cash on Hand
Know your real available money not just your expected income.
Expense Manager
Track expenses by category, including:
• Housing & Transportation
• Allowances
• Baby Expenses
• Credit Cards & Loans
• Utilities
• Groceries
• Insurance
• Savings
• Other Custom Categories
Each expense includes:
• Due Date
• Amount Due
• Amount Paid
• Payment Status
• Payment Date
• Description
• Expense Type
Weekly Decision Board
One of the most important features. Iwas “limot” para hindi makaltok este para iwas late payment fee. Instead of looking at one long list of bills, you’ll immediately see what needs to be paid each week of the month. This helps reduce missed due dates, avoid late fees, and prioritize your available cash wisely.
Payment Monitoring
Quickly identify:
• Fully Paid
• Partially Paid
• Paid Using Credit
• Remaining Balance
No more wondering if a bill has already been settled.
Premium Version Includes
The Premium Household Decision Board is built for families who want a complete financial management system.
It includes:
✅ January to December Decision Boards
✅ One-click Auto Clear Button for a fresh new month
✅ Debt Consolidation Tracker (ongoing development)
View all your credit cards and loans in one place, including monthly amortizations by lending company.
✅ Custom Expense Categories
Personalize the workbook based on your family’s lifestyle.
✅ Assistance
Why This Is Different From Other Budget Templates
Many budget spreadsheets focus on recording expenses. The Household Decision Board focuses on making financial decisions for Filipino household. Instead of simply tracking spending after it happens, it helps you decide what to pay before your money is gone. That small difference can help reduce late payment charges, improve cash flow, and make budgeting less stressful.
The Philippine Statistics Authority reported that 12.8% of Filipinos were multidimensionally poor in 2024. The numbers remind us that household financial decisions don’t happen in isolation. Housing, food, education, health, employment, and other basic needs compete for the same household resources. From where I come from –Albay, many Filipino families must constantly choose between buying food, paying for school supplies, or fixing a leaky metal roof. That’s one reason I believe a visual system can help.
Pricing
FREE Starter Version is perfect for trying the system.
Household Decision Board™ Premium
Your complete household budgeting system.
Includes:
• Full January–December Workbook
• Auto Clear Button
• Debt Consolidation Tracker
• Custom Categories
• Future updates
Introductory Price: ₱999
with ongoing development as of Sept 14, 2026.
Check out Debt Consolidation Excel Template for Filipino Families (Free & Premium Dashboard)
A single late payment fee or unnecessary finance charge can easily cost more than the price of this workbook. Think of it as an investment in making better financial decisions every month.
Download Your Copy
Start with the FREE version today and experience how the Household Decision Board works. When you’re ready for a complete yearly budgeting system with debt management tools, upgrade to the Premium version for only ₱999. Take control of your household finances one decision at a time.
More Practical Money Tips from Libot Tayo
I’m building Libot Tayo with Lily around one simple idea: from bahay to byahe without overspending. I share practical ways to manage household expenses, travel without wrecking your budget, make better everyday money decisions, and build systems that make adulting a little less overwhelming.
Follow Libot Tayo with Lily for more practical money and household tips.
Let’s Connect
💼 LinkedIn: View my profile
📩 Email: jalopez@libottayo.com
🎥 Tutorials & Excel Systems: Excel Now PH (YouTube)
📖 Mom Life & Updates: Libot Tayo by Lily (Facebook)
💼 Consulting & Systems Support: Magayon Management Consultancy Services
Your subscription could not be saved. Please try again.
Your subscription has been successful.
