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Ang Isang Tanong para Makatipid ng Pera

English Version (Click Here)

“No man is rich whose expenditure exceeds his means; and no one is poor whose incomings exceed his outgoings.” – Thomas Chandler Haliburton

(Walang mayaman kapag ang gastos ay nakahihigit sa kakayahan; at walang mahirap kapag ang kita ay nakahihigit sa gastusin.)

Noong nakaraang linggo pumunta ako sa SM Aura, Market Market, at Bonifacio High Street para bumili ng ceramic non-stick frying pan para sa aking pamilya. Noong namimili ako, naisip ko ang mga bagay na gusto kong bilhin para sa sarili. Doon ko natutunan ang aral dito.

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The One Question that can Save Money

Tagalog Version (Click Here)

“No man is rich whose expenditure exceeds his means; and no one is poor whose incomings exceed his outgoings.” – Thomas Chandler Haliburton

Last Sunday I went to the SM Aura, Market Market, and Bonifacio High Street area to buy a ceramic non-stick frying pan for my family. While shopping, I thought of the things I wanted to buy for myself. That was when I learned the lesson here.

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Tatlong MAHALAGANG dahilan kung bakit kailangan mong iwasan ang Masamang Utang

English Version (Click Here)

“Debt is like any other trap, easy enough to get into, but hard enough to get out of.” – Josh Billings

(Ang utang ay katulad ng ibang patibong, madaling pasukin, pero mahirap umalis.)

Isang hakbang palusong, dalawang paurong.  Isipin mo man na ok lang manghiram ng pera at lubusang gamitin ang credit cards, hindi ito totoo. Parang hindi ito masama sa simula, hanggang mangutang kang uli, at mangutang pa, at mangutang ng paulit-ulit hanggang nabaon ka na ng isang bundok ng utang. Kapag nawiwili kang gumastos ng sobra sobra at mangutang ng pera, alalahanin mo lang ang tatlong dahilan kung bakit dapat umiwas sa luho at sa masamang utang.

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3 BIG reasons to Avoid Bad Debt

Tagalog Version (Click Here)

“Debt is like any other trap, easy enough to get into, but hard enough to get out of.” – Josh Billings

One step forward, two steps back. You might think that borrowing money and maxing out your credit cards is fine, but it’s not. It seems harmless at first, until you borrow again, and again, and again, and suddenly you’ve accumulated a mountain of debt. Whenever you’re tempted to overspend and borrow money, just remember these three reasons on why you should just skip unnecessary purchases and avoid bad debts.

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Ibang paraan para Kumita: Negosyo Ideas at ibang paraan para Kumita ng Pera

*Ang article na ito ay naglalaman ng affiliate links.

English Version (Click Here)

Minsan, ang simpleng pag-iisip ng mga posibilidad ay nakakapagpakita ng mga oportunidad na hindi mo lang nakita. Nawalan ka na ba ng gana sa buhay? Gusto mo pa bang kumita pa ng pera para mabayaran ang mga bayarin/bills, utang, at iba pang gastusin? Gusto mo bang gumawa ng ibang bagay para kumita bukod sa 9-5 rush o karaniwang trabaho, kahit sa weekend lamang? Subukan mong mag-isip ng mga ideas para sa negosyo at iba pang paraan para kumita ng pera. Siguradong makakahanap ka ng oportunidad para kumita ng pera kapag naghanap ka ng mga posibilidad, kaya bakit hindi ka magsimula dito para makahanap ng inspirasyon?

*Take note: Ang mga idea dito ay naisip ko lang sa isang umaga ngayong Lunes. Isipin mo na lang ang mga maiisip mo kapag ikaw ay nag-isip pa mag-isa o kapag kasama ang mga kaibigan at may mas-marami kang oras.

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Making money on the side: Business Ideas and Other ways to Earn Money

*This article contains affiliate links.

Tagalog Version (Click Here)

Sometimes, simply imagining possibilities can show you opportunities that you’ve simply never noticed. Are you stuck in a rut? Do you want more income to cover all your bills, debts, and other expenses? Do you want to just branch off and do something different from the 9-5 rush, even if it’s only for the weekends? Try brainstorming for small business ideas and other ways to earn more income. You’re sure to find opportunities for making money on the side once you start searching for possibilities, so why don’t you start here for a little inspiration?

*Take note: These are ideas I got from a Monday morning brainstorming session. Just imagine the things you can think of on your own or with your friends when you have more time.

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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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10 Pinoy Bloggers you should learn from (Finance and Investing)

Everyone has a story to tell. We all have our own unique talents, experiences, and specialties which we can all use to help others, and bloggers are no different. Even though the subject is the same (personal finance and investing), the wisdom we share and the knowledge we can learn from each other are all unique. I’ve been following several blogs ever since I started writing, and these are some of the ones I enjoy reading. Come on and check them out! You might learn something new.

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