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Butas wallet? Paano Magtrack, Bawasan Gastos, at Magtipid ng Pera

English Version (Click Here)

“Annual income twenty pounds, annual expenditure nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pound ought and six, result misery.” – Charles Dickens

Maililigtas mo ba ang lumulubog na bangka kapag hindi mo alam kung nasaan ang butas nito? Makakaipon ka ba ng pera kapag hindi mo alam kung saan ito nauubos? Ang isa sa pinakamabuti at pinakasimpleng paraan para bawasan ang iyong paggastos ay ang pag-alam ng pinupuntahan ng pera mo at SAKA mo bawasan ang pag aksaya mo nito. Pagkatapos noon, ikumpara mo ang gastos sa kinikita mo at bawasan mo ito hanggang mas-nakahihigit ang sahod mo kaysa sa paggastos mo.

Para sa akin, nakita ko na ang pinasimpleng version ng technique nina Vicki Robin and Joe Dominguez’ sa libro nilang “Your Money or Your Life” ay mabuting gamitin, at ipapakita ko kung paano mo ito magagamit dito.

*Siya nga pala, pwede kang gumawa ng sarili mong file, o pwede mong gamitin ang libreng template na ibibigay ko sa iyo mamaya. Ginagamit ko iyon mula pa noong 2009.

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Holes in your Wallet? How to Start Tracking, Cut Expenses, and Save Money

Tagalog Version (Click Here)

“Annual income twenty pounds, annual expenditure nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pound ought and six, result misery.” – Charles Dickens

Can you save a sinking ship if you don’t know where the leak is? Can you save money if you don’t know how it all disappears? One of the best and simplest ways to cut expenses is to record where your money goes and THEN reduce wasteful spending. After that, compare your expenses with your income and slowly lower it until you make far more than what you spend.

Personally, I’ve found that a simpler version of Vicki Robin and Joe Dominguez’ technique from “Your Money or Your Life” works best, and I’ll show you how to use it here.

*By the way, you can either create your own file, or you can use the free template that I’ll share with you later. I’ve personally used it since 2009.

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Bakit Hindi ka dapat magpahiram ng Pera

English Version (Click Here)

“Kaibigan! Pwedeng pahiram ng dalawang libo? ‘Promise’ babayaran kita next week!” Nahihirapan ka bang tumanggi? Hinahayaan mo ba silang abusuhin ka? Hinahayaan mo ba ang mga kakilala mo na manghiram pa ng pera sa iyo kahit alam mo na hindi sila nagbabayad ng utang? Noong kabataan ko, nakita kong naghirap ang aking ina dahil sa mga taong ganoon kaya noong napanood ko ang video ni Chinkee Tan, kinailangan kong magsulat tungkol dito. Huwag mong hayaang abusuhin ng iba ang iyong kagandahang loob.

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Why You should Stop Lending Money

Tagalog Version (Click Here)

“Hey ‘friend,’ can I borrow a couple thousand? I ‘promise’ to pay you back next week.” Do you find it hard to say no? Do you let people abuse you financially? Do you keep letting people borrow money from you even when you know they never pay you back? I’ve had to watch my own mother suffer through that during the early years of my life so when I saw Chinkee Tan’s video, I just HAD to write about it. Never let people take advantage of your kindness.

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Malaking Hakbang Palusong: Pagbabago ng Career

English Version (Click Here)

Sabi ni W. L. Bateman “Kapag ginagawa mo palagi ang nakasanayan mong gawin, ang makukuha mo lang ay ang palagi mong nakukuha.” Alam mo kung paano tinuturo palagi ng mga life coaches na kapag nanatili ka sa trabahong ayaw mo at hindi ka nagsikap para sa kinabukasan mo, hindi ka aasenso?  Ang desisyon tungkol sa pagbabago ng career ay hindi madali, pero minsan kailangan mo talaga itong gawin.

 

Panahon na para sa Pagbabago

Nagtrabaho ako sa isang Business-process outsourcing (BPO) na kumpanya sa nakaraang anim na taon (January 2010 hanggang January 2016) at marami akong natutunan doon. Nagkaroon ako ng napakaraming kaibigan at masayang karanasan, pero ang mga pagbabago sa opisina noong nakaraang buwan ay hindi na tama para sa akin kaya naisipan ko nang umalis.

Bakit ako nagsulat tungkol dito? Kapag ikaw mismo ay hindi pa umaalis sa trabahong hindi mo gusto, baka mabigyan kita ng lakas ng loob para maghanap ng mas-mabuting daan sa buhay.

“Kapag nagdesisyon ka, ang mundo ay gagalaw para magkatotoo ang gusto mo.” – Ralph Waldo Emerson

 

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A Great Leap Forward: Choosing to Change Careers

Tagalog Version (Click Here)

W. L. Bateman said “If you keep doing what you’ve always done, and you’ll keep on getting what you’ve always got.” You know how life coaches often seem to keep teaching people that they’d get nowhere if they simply stay in that boring office job they hate instead of working on their dreams? The decision to change careers is not an easy one to make, but sometimes, you just have to take that leap of faith to make everything fall into place.

 

Time for a Change

I’ve worked at the same “Business-process outsourcing (BPO)”-type company for about six years now (January 2010 to January 2016) and I’ve learned a lot from all the experiences I’ve gained. I’ve made friends and had a ton of fun, but the latest changes in the office environment didn’t sit well with me and I realized that it was finally time to go.

Why did I choose to write about it? If you’re still having doubts about leaving a job you don’t like, then maybe reading this will give you the courage to take the leap and find a better path in life.

“Once you make a decision, the universe conspires to make it happen.” — Ralph Waldo Emerson

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Pag-desisyon ng Malakas ang Loob: Mabuting Pagpili, Walang Takot at Pagsisisi

English Version (Click Here)

Hindi ka ba makatulog kapag may mahalagang desisyon kang kailangang gawin?

Nag-alala ka ba ng husto tungkol sa mga bagay na hindi mo pinili?

Nagsisi ka ba dahil sa oportunidad na nawala dahil hindi ka nakapag-desisyon agad?

Ako oo, at siguro naranasan mo na rin iyon. Buti na lang, may paraan para malunas ang pag-aalala at stress, at magmumula ito sa pag-iisip mo tungkol sa bawat desisyon mo sa buhay.
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Courageous Decision-Making: Make Great Choices, Eliminate Fear and Regrets

Tagalog Version (Click Here)

Have you ever had a sleepless night stressing about an important decision you need to make?

Have you ever spent entire afternoons wondering if the choice you didn’t take would have been better?

Have you ever regretted an opportunity that passed you by because you couldn’t make a decision?

I have, and you probably experienced it too. Thankfully, there’s a way to get rid of the anxiety and stress, and it lies in how you view your choices in every decision-making moment.
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Project Planning Basics: Mabuting Resulta mula sa Kaunting Pag-iisip

English Version (Click Here)

“Kung hindi ka nagplano, pinaplano mong mabigo.”

– Benjamin Franklin

Siguro nangyari na sa iyo ito:

May maganda kang idea at gusto mo siyang gawin, pero hindi mo siya masimulan, hindi gumana ang pagpilit pagtrabaho dito, o masyado kang nahirapan kaya nasira ang proyekto mo.

 

Malamang marami ka nang gustong gawin o simulan, pero sa pagplano pa lang naipit ka na at pumalya ang iyong idea. Maraming pwedeng maging dahilan ng pagkabigo, pero ang isang factor na kontrolado mo ay ang paraan mo sa pagplaplano.

Sa pagtayo man ng negosyo, pagsimula ng bagong proyekto sa iyong department, o pagplano lang sa susunod mong bakasyon, ang tatlong simpleng project planning steps na ito ay makatutulong ng wagas sa tagumpay mo.
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Project Planning Basics: Get Great Results from a Little Mental Effort

Tagalog Version (Click Here)

‘If you fail to plan, you are planning to fail!’

– Benjamin Franklin

Here’s a scenario you’re probably familiar with:

You have a good idea and you want to do it, but you couldn’t start, working harder didn’t work, or you got overwhelmed and the project failed. The end.

 

At multiple points in your life, you probably wanted to do something great, but the idea got stuck somewhere along the way and the project ended in failure. It could be due to any number of reasons, but the main factor that you can directly control is how you plan for it.

Whether it’s for building a business, embarking on a new project for your department, or simply planning your next road trip or vacation, these three simple project planning steps can maximize your chances for success.
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