One challenge most Filipinos face following the extravagant holidays is getting back to their budget after overspending. The new year is here so it's time to make do with our promises of turning over a new leaf when it comes to our finances. Bouncing back from a financial setback is not as hard as it seems. By taking these steps to recovery, adapting a better way to save and spend next time will be effortless: Recap your expenses to know where you start Photo from Shutterstock