Ang ating mga magulang, kaibigan, at karanasan noong ating kabataan ang una nating guro na nagturo satin kung paano maghawak ng pera, at ang mga natutunan natin noon ay madalas mananatili hanggang sa ating paglaki. Hindi nito ibig sabihin na hindi natin kayang magbago at mas-gumaling pa. Sinwerte ako at marami akong natutunang mabubuting aral tungkol sa success at sa kung paano maging matipid noong bata ako. Dahil doon, isinulat ko ang aking top 10 tips dito.
Our parents, friends, and our early experiences are our first teachers on how we handle money, and what we learned during childhood tends to stick to us as we grow up. That doesn’t mean that we can’t change for the better though. I was lucky enough to learn some excellent financial success and frugal living tips when I was a kid, and I’ll share my top 10 tips with you here.
*Contributed by Amy Nickson.
One day, your little child will face the big world all alone. As a parent, it’s your responsibility to inculcate good money lessons in them. Teach your children as to how they should manage their money and why money management is important.
How can you help your kids to become financially responsible? It is easy: Have a look:
1. Help them find a job
Children need to know that money is not easy to come by. Discuss with them why they need to work. This way they will understand the value of money and where the money comes from.
How can kids make money? Kids can make money by babysitting, starting a lemonade stand, car washing etc. But, these involve more direct money. So, the best ways in which your kids can make some money are by helping you out with your household chores. You can ask your kids to help you in cleaning the house, cooking and washing. In return, you can pay some money to your kid.
If your child loves pets, you can also allow your kids to do pet sitting or they can also become a dog walker. This is a great job for earning a little money.
2. Give them a piggy bank
You must encourage your child to save money. Tell them the importance of saving money . Gift them a piggy bank and tell them to save whatever possible.
3. Discuss financial goals with kids
Explain to your teens why it is important to set financial goals. Help them work out how much money they need to put away for achieving their goals. You can also discuss with your young adults regarding their short-term and long-term financial goals. Discuss with your children how much allowance they should spend each week and how much they must put towards short and long savings. Ask them to save money for charity as well. [Read more…]
*Ang article na ito ay naglalaman ng affiliate links.
Kakaunti lang sa atin ang may oras para magbasa ng librong may 300 pages. Pwedeng ngang wala tayong ilang minuto para magbasa ng 2,000-word na article! Kung gusto mo ng maiksi at simpleng guide tungkol sa kung paano mag budget ng pera at paano makaipon ng pera, ang article na ito ay para sa iyo!
“A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.” (Isang malaking bahagi ng financial freedom ay ang kalayaan ng puso’t isipan mula sa pag-aalala tungkol sa kawalang-katiyakan ng buhay.) – Suze Orman
Bago tayo magsimula, huwag mong kalilimutan ang LAYUNIN ng pagbudget ng pera:
Katatagan at Kapayapaan ng Iyong Finances/Pananalapi (Financial Stability) at Financial Freedom
Mahirap maging masaya sa buhay kapag baon ka sa utang, kapag nag-aalala tungkol sa kung saan makakapaghagilap ng pera para magbayad ng mga bayarin, at kapag ang buong pamilya mo ay nagdurusa sa kahirapan at kakulangan. Sa kabilang dako naman, mas-madaling maging masaya sa buhay kapag may labis kang pera at kagamitan para mabayaran ang mga kailangang bilhin, bumili ng masasarap na pagkain, bumili ng pangkatuwaan, maglakbay, makatulong sa kapwa, at iba pa. Mas-madali pa kapag hindi mo na kailangan pang magtrabaho ng 9-to-5 dahil ang mga investments mo ay kumikita PARA SA IYO at may oras at kakayahan kang gawin ang mga gusto mo kahit kailan mo gusto.
Ito ang layunin ng mabuting paghawak ng pera, at ito ang matututunan mo dito.
“No one can feel easy or safe who is living from hand to mouth.” (Walang makakaramdam ng kaginhawaan at kaligtasan kapag nabubuhay ng isang kahig, isang tuka.) – Orison Swett Marden
*This article contains affiliate links.
We don’t all have the time to read a 300-page book. We might not even have a few minutes to read a 2,000-word article! If you want a short and simple guide on the basics of how to manage your money, then this article is for you!
“A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.” – Suze Orman
Before we begin, don’t forget the GOAL of managing your money:
Financial Stability and Financial Freedom
It’s difficult to enjoy life when you’re buried in debt, worrying about where to find money to pay the bills, and when your entire family is suffering from poverty and lack. On the other hand, it’s much easier to enjoy life when you have more than enough money and resources to pay the bills, buy good food, buy entertainment, travel, help the needy, and more. It gets even easier when you no longer need to work at a nine-to-five job because your investments earn money FOR you and you have the time and resources to do the things you want WHEN you want.
That’s the goal of good financial management, and that’s what you’ll learn here.
“No one can feel easy or safe who is living from hand to mouth.” – Orison Swett Marden