By Lydia Wiraka

It all started with a simple text: “Weuh, tumeamua! Sato ni Coasto.” (Translation: “Hey, we’ve decided! Saturday, we’re going to the coast”). Sounds harmless, right? A weekend getaway to the beach, a quick break from the usual grind in what many of us call “self-care.”

But then, reality hit. What’s a trip to the coast without the usual hotel vibes, a return ticket and of course, those Instagram-worthy moments? The pressure to live up to all those perfect vacation social media shots quickly builds up. And before you know it, you’re wondering: How do I get the cash to make it happen?

Here’s the first red flag: if the trip leaves you broke for the rest of the month, can it really be self-care? Self-care is about finding balance and taking a much-needed break, not putting yourself in a financial hole. Sure, a beach holiday sounds like the perfect way to relax, but how much of that is true relaxation when you’re already thinking about taking a loan just to cover the trip?

Impulsive spending often gets wrapped up in the idea of self-care, especially when we’re pressured to live up to the glamorous lifestyles we see on social media, and you become convinced that this trip is going to recharge your soul. But once the dust settles, you’re left with that sinking feeling of regret and a loan to pay off.

Next time you’re tempted to jump on an impulsive getaway, ask yourself if it’s for your well-being, or are you chasing an idea of what you should be doing based on what you see on social media. Self-care shouldn’t come at the expense of financial stress. The key is planning ahead, being realistic, and knowing when to say no to that last-minute, “spontaneous” trip. Remember, it’s not self-care if you’re starting the month broke.