A common notion that many people hold is the idea that for the important things in life, effort needs to be put forth to achieve one’s goals. While this is an honorable belief to hold, in reality sometimes finding the easy way out isn’t always a bad thing. Especially when it comes to money, the less effort you have to put forth in order to get more, the better it is. It is this way of thinking that has led countless individuals on a journey of finding simple hacks to save big bucks. Though hacks can be use in a number of places, one of the simplest and most beneficial is our own homes. To start saving money without feeling you’re doing anything outside of the norm, here are some easy hacks to start using.
During the warmer months, the annual struggle with managing the heat within our homes begins. And as we work to ensure things are at a comfortable temperature, we often end up needlessly costing ourselves as the measures we take to cool things off such as using the air conditioning can quickly add up. A better alternative would be to utilize the fans in your home, which are just as effective for far less money. The hack comes into play during the winter months in which fans can still be used to regulate the temperature in your home. During these times, set your fan to run clockwise, the opposite direction of the standard setting. This actually pulls the warm air that rises back down, which helps improve the overall feel of the room and acts as one of the easier ways to conserve energy in your home.
Sa nakaraang ilang taon, maraming Pinoy ang nagiging mas-interesado sa pag-iipon at pag-invest ng pera at napansin ko din na paparami ang mga Filipino personal finance at investing books sa mga bookstores tulad ng National Bookstore. Noong nakaraang linggo, dumalaw ang tiyuhin kong OFW na nakatira sa America at sinabi niya sa akin na magsisimula siya ng investment account sa isang popular na Philippine online stock broker. Marami siyang tanong, at ikinagalak kong sagutin siya at ituro ang mga basics.
Basahin mo lang ang ibang articles dito:
- Ano ang Iba’t-ibang Uri ng Stocks?
- 5 Tips para Maintindihan ang Stock Market
- Paano pumili ng Stocks: 10 Terms na kailangan mong matutunan
Noong kinakausap ko ang aking tiyuhin, naalala ko na kahit siya ay komportable sa online registration, marami namang mas nakatatandang Pinoy ang hindi masyadong “tech-savvy” at pwedeng maloko ng mga online scams. Narito ang ilang tips o payo ko para sa iyo kung iniisip mong magrehistro sa isang online investment o brokerage account.
In the past few years, a lot of Filipinos are becoming more and more interested in saving and investing money and I’ve also noticed more and more Filipino personal finance and investing books popping up at the local bookstore. Just last week my OFW (Overseas Filipino Worker) uncle who lives in America came over to visit and he told me he was going to start an investment account on a popular Philippine online stock broker. He had a lot of questions, and I was happy to answer him and teach the basics.
Read more here:
- What are the Different Kinds of Stocks?
- 5 Tips for Understanding the Stock Market
- Choosing the Best Stocks: 10 Investing Terms you HAVE to Learn
While talking to my uncle, I remembered that while he is comfortable with online registration and all that, a lot of older Filipinos aren’t really tech savvy and could fall prey to online scams. Here are some tips for you if you’re thinking of registering for an online investment or brokerage account.
May isa kang kailangang pag-ipunan bago ka magsimulang mag-invest, at ito ay ang emergency fund. Palagi tayong may makakaharap na problema sa buhay, at ang kaunting perang nakalaan para sa mga ito ay makakapagligtas sa atin mula sa napakaraming masasamang sitwasyon. Bukod pa roon, makakagamit rin tayo ng napakaraming magagandang oportunidad sa buhay dahil dito.
Narito ang ilang rason kung bakit kailangan mong mag-ipon para sa isang emergency fund. (Tandaan mo din ang huling beses na pinag-isipan at pinaghandaan mo ang mga ito, at kung ano ang gagawin mo kapag mangyari sila.)
There’s one thing you need to save for before you start investing, and that is an emergency fund. Problems happen all the time and a little extra free cash saved specifically for emergencies can get us out a lot of terrible financial situations. Aside from that, it lets us pursue excellent opportunities as well.
Here are a few reasons why you need an emergency fund. (Just think about the last time you thought about these things, and what you would do if any of these ever happen.)