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

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“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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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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6 Quick Tips para Iwasan ang Sobrang Gastos at Magtipid ng Pera

English Version (Click Here)

Isa ka sa pinakamagaling sa iyong industriya at sinuswelduhan kang mabuti sa trabahong ginagawa mo, pero nauubos ba agad ang iyong sahod pagkatanggap mo pa lang nito? Nahihirapan ka bang maghawak ng pera sa huling linggo bago ang susunod na sahod? Palagi mo bang inaabangan ang susunod na sweldo? Kung ganoon nga, malamang napapasobra ka sa paggastos ng pera. Matapos pag-aralan ang basics ng personal finance gaya ng pag-iipon at pag-invest at kung paano magbayad ng utang, ito ang anim na payo para maiwasan ang sobrang gastos at magtipid ng pera!

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6 Quick Tips to Avoid Overspending and Save Money

Tagalog Version (Click Here)

You’re one of the best in your industry and you’re paid well for your work, but does most of your salary disappear right as you receive it? Do you struggle with your finances the week before payday? Do you always eagerly anticipate your next paycheck? If so, you probably spend too much of your money somehow. After learning the basics of personal finance like saving and investing as well as how to pay off your bad debts here are six quick tips to avoid overspending and save more money!

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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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