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Related Media: savings

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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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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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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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