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Sisirain ba ng Pagmamalasakit at Pag-Asenso mo ang iyong Pamilya?

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“Bakit kami magsisikap kung bibigyan mo pa rin naman kami ng libre?” Ihanda mo muna ang sarili mo dahil baka masakit ang aral na ito kapag ikaw umasenso na sa buhay (o aasenso pa lang). Kahit ang kayamanan at pag asenso ay magbibigay sa iyo ng kakayanang makatulong sa iba (sa kamag-anak, kaibigan, at pulubi), ang sobra sobrang pagtulong ay nakakasama. Imbis na bigyan mo sila ng pakpak para makalipad, baka pinapaasa mo lamang sila sa iyong limos.

“In general, I am opposed to giveaways and handouts. They take away initiative and responsibility from people. If people know that things can be received ‘free,’ they tend to spend their energy and skill chasing the ‘free’ things rather than using the same energy and skill to accomplish things on their own. Handouts encourage dependence rather than self-help and self-confidence.” – Muhammad Yunus, Creating a World Without Poverty

(Madalas, umaayaw ako sa pagbibigay ng limos. Inaalis nito ang pagkukusa at responsibilidad ng mga tao. Kung alam nila na ang ilang bagay ay makukuha ng ‘libre,’ madalas gagamitin nila ang lakas at galing nila sa paghahanap ng mga ‘libreng’ bagay kaysa gamitin ang parehong lakas at galing para makamit ang mga gusto nila gamit ang sarili nilang pagsisikap. Ang limos ay humihimok ng pagpapasustento kaysa sa pagtulong sa sarili at pagpapalakas ng loob.)

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Will your Kindness and Financial Success destroy your family?

Tagalog Version (Click Here)

“Why should we work hard when you’ll give us free stuff anyway?” Buckle down for a moment as this might be a painful lesson if you’re already financially successful (or on the way there). Even though wealth and financial success allows you to help others (family, friends, and beggars) more easily, too much of it can backfire. Instead of giving them wings to fly, you might make them dependent on your handouts.

“In general, I am opposed to giveaways and handouts. They take away initiative and responsibility from people. If people know that things can be received ‘free,’ they tend to spend their energy and skill chasing the ‘free’ things rather than using the same energy and skill to accomplish things on their own. Handouts encourage dependence rather than self-help and self-confidence.” – Muhammad Yunus, Creating a World Without Poverty

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Tipid sa Pera: Limang Payo para sa Pagbili ng Matibay na Gamit

*Ang article na ito ay naglalaman ng affiliate links.

English Version (Click Here)

Bagong damit, bagong sapatos, bagong bag, bagong gamit… kasi yung huling binili mo hindi man lang tumagal ng tatlong buwan. Bumili ka ng mumurahing peke at nasisira lang, kaya bumili ka uli at ganoon pa rin nangyari. Hindi ka lang nagsasayang ng pera sa walang kwenta, nakakasama ka rin sa kapaligiran dahil sa basurang itinatapon mo. Kung gusto mong iwasan ang ganoong perwisyo at pagkadismaya, pwede mong pag-aralan ang pagiging tipid sa pera sa pagbili ng may kalidad na gamit. Itigil mo na ang pagbili ng ilang-daang mumurahin at ipunin mo na lang ang pera pambili ng kakaunting kagamitan na dekalidad o matibay. Mas tipid ka sa pagdaan ng panahon at ito pa ang limang payo para lalo kang mas-makatipid pa.

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Best ways to Save money: 5 Simple Tips on Buying QUALITY

*This article contains affiliate links.

Tagalog Version (Click Here)

New shirt, new shoes, new bag, new stuff… because the last one you bought didn’t even last three months. Buy cheap fake products and they break, so you buy another and the same thing happens. Not only do you waste your money on trashy items, you also harm the environment with the garbage you’re producing. If you want to avoid that hassle and disappointment, then you can learn some of the best ways to save money by buying quality. Stop buying a hundred cheap products and save it all for a few excellent ones. It’s cheaper in the long run, and here are five quick tips to make things cheaper.

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Karunungan nagiging Kayamanan: Ang 22 Best Pera Tips para Maging Mayaman mula sa “The Richest Man in Babylon”

*Ang article na ito ay naglalaman ng affiliate links.

English Version (Click Here)

“Pay yourself first” (Mag-ipon muna) o sa pagkatanggap mo ng iyong sweldo, ipunin mo ang 10% nito para mag-invest. Familiar ba ito? Para maging mayaman, iyon ang classic money management tip na nagmula kay George S. Clason, ang may akda ng “The Richest Man in Babylon.” Unang inilabas noong 1926, ang mga personal finance tips na matututunan natin mula sa librong ito ay napakahalaga para sa ating lahat.

*Note: Ang libro ay nasa public domain na at pwede mo itong mahanap ng libre sa internet!

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Wisdom into Gold: The 22 Best Money Management Tips from “The Richest Man in Babylon”

*This article contains affiliate links.

Tagalog Version (Click Here)

“Pay yourself first” or right after receiving your paycheck, take 10% of it for investing. Sound familiar? That was the classic money management tip from George S. Clason, the author of “The Richest Man in Babylon.” Originally published by 1926, the timeless personal finance tips that we can learn from the stories still hold value today.

*Note: The book is in public domain and you can search for it freely on the internet!

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15 Minutes para sa Iyong Kinabukasan: Paano Mag-Budget at Mag-Invest para Magpayaman

English Version (Click Here)

Kahit nakagawa na ako ng budget plan dati (Your Wealthy Mind Savings and Budget Plan), naisip ko na medyo mahirap iyon lalo na para sa mga nagsisimula pa lamang mag-alaga ng kanilang finances. Ang guide na ito ay para sa mga baguhan at ituturo nito kung paano mag-budget at mag-invest para magpayaman.

Paano nakakapagpabago ng buhay at nakapagbibigay ng napakaraming oportunidad ang isang simpleng budget plan? Basahin mo muna ito at matututunan mo kung paano. (Isang clue nga pala yun!)

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15 Minutes for Your Future: How to Budget and Invest to Get Rich

Tagalog Version (Click Here)

Although I’ve made a budget plan before (Your Wealthy Mind Savings and Budget Plan), I thought that it might be a bit too difficult for those who just started taking care of their finances. This guide is intended for beginners and it will teach you how to budget and invest for wealth creation.

How can a mere budget plan that you can read in 15 minutes potentially change your life and bring you endless opportunities? Keep reading and you might just learn how. (That sentence was a clue by the way!)
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Paano Mag Invest sa Stocks: Sampung Tuntuning Kailangan Matutunan

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Matapos pag-aralan at sundan ang mga tuntunin ng napakaraming personal finance at investment books gaya ng “The Millionaire Next Door,” “The Motley Fool Million Dollar Portfolio,” “The Bogleheads’ Guide to Investing,” at iba pa, may iilang tuntuning paulit-ulit na lumilitaw dahil sa halaga nila. Kung ikaw ay baguhan pa lamang, ito ang sampung tuntunin na kailangan mong malaman tungkol sa kung paano mag invest sa stocks:

1. Mag-Aral Muna

Sabi ni Warren Buffett, ang isa sa pinakamayamang bilyonaryo ngayong 21st century, ang “risk o panganib ay nagmumula sa kamangmangan.” Libro man, seminar, blog articles, o kahit ano pa, kailangan pag-aralan mong mabuti ang mga investment guides bago ka magsimula. Kung hindi, malamang mawawala ang pera mo sa mga “investments” na nalulugi, at madali ka ring maloloko ng iba.

Sabi nga ni Jim Rohn, “Ang pormal na edukasyon ay magbibigay sa iyo ng pangkabuhayan; ang sarili pag-aaral o self-education ang magpapayaman sa iyo.” Kapag nag-aral ka ng kusa mo, malamang matututunan mo ang mga susunod na tuntunin (at marami ka pang ibang mas-mahalaga at mas-advanced na lessons na matututunan).

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How to Invest in Stocks: 10 Things Beginners NEED to Know

Tagalog Version (Click Here)

After reading and following the advice of so many personal finance and investment books like “The Millionaire Next Door,” “The Motley Fool Million Dollar Portfolio,” “The Bogleheads’ Guide to Investing,” and several others, there are several lessons that come up again and again due to their importance. If you’re a beginner and you want to learn how to invest in stocks, then these are the 10 crucial lessons that you need to know:

 

1. STUDY FIRST

Warren Buffett, one of the wealthiest billionaires of the 21st century, said that “risk comes from not knowing what you’re doing.” Whether it’s from books, seminars, blog articles, or anything else, you must read and learn from the best investing guides out there. If you don’t you will likely waste money on “investments” that are doomed to fail, and you will also be VERY easy to scam.

Like what Jim Rohn said: “Formal education will make you a living; self-education will make you a fortune.” If you start properly educating yourself, you will most likely learn the next nine lessons on your own (and you will also learn several more valuable and advanced lessons as well).

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