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30 Pinakamahalagang Payo Tungkol sa Pera na Kailangan Mong Matutunan Ngayon

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Gustuhin mo man o hindi, mahalaga ang pera sa buhay natin ngayon. Kung gusto mong mabuhay at umasenso sa panahon ngayon. kailangan mong matutunang gamitin ang pera ng mabuti. Kung pangarap mong yumaman, narito ang 30 na payo tungkol sa paghahawak ng pera na kailangan mong matutunan ngayon.

 

30 Pinakamahalagang Payo Tungkol sa Pera na Kailangan Mong Matutunan Ngayon

1. Alamin mo ang iyong kalagayang pinansyal. Masagana ka ba at mayroong ilang libong nakainvest sa mabubuting negosyo at assets, o nabaon ka ba ng ilang daang libo sa utang? Hindi mo masosolusyonan ang iyong mga problema kapag hindi mo aaminin kung may problema ka pala, at hindi mo mahahanap ang mga oportunidad para umunlad kapag hindi mo sila hahanapin.

2. Gamitin mo ang pinakamabuting paraan para makaipon ng pera: “Pay yourself first!” (Ang idea dito ay “mag-ipon muna”) (Maglagay ka muna ng pera sa ipon bago gumastos.)

3. “It’s not how much you earn, but how much you keep.” (Hindi lang sa kinikita kundi pati na rin sa naiipon.) Walang kwenta ang mataas na sweldo kapag isinugal o winalgas mo lang ito sa mga mamahaling kagamitan na hindi mo naman kailangan.

4. Mag-ipon ka para sa mga oportunidad at emergencies. Ang ipon na ito ay pwedeng maging capital para sa iyong negosyong naisip itayo, o perang magagamit kapag nawalan ka bigla ng trabaho.

5. Iwasan mo ang sobrang pangungutang.

No one can be happy, no matter how optimistic, who is forever in the clutches of poverty, of harassing debt.

— Orison Swett Marden

(Walang magiging masaya, gaano man kaganda ang pananaw nila sa buhay, kapag sila ay habang buhay nabaon sa kahirapan, at mapang-aping utang.)

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30 Most Valuable Personal Money Management Tips You Must Learn NOW

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Like it or not, money is an important part of modern life. If you want to survive and do well in today’s world, you have to learn to use it wisely.  If you want to become financially well off, then here are 30 awesome personal finance tips that you have to learn now.

 

30 Most Valuable Personal Finance Tips You Must Learn NOW

1. Know your financial standing. Are you financially stable with thousands invested in good businesses and assets, or are you thousands in bad debt? You can’t solve problems if you don’t acknowledge that there is a problem, and you can’t find opportunities to improve on if you don’t start searching for them.

2. Use the number 1 money saving technique: “Pay yourself first!” (Save money first before you start spending).

3. “It’s not how much you earn, but how much you keep.” Having a high salary won’t matter at all if you gamble it all away or waste it all buying expensive junk that you don’t need.

4. Establish a savings fund for opportunities or emergencies. It can be your initial capital for a business idea, or a cash buffer if you suddenly lose your job.

5. Avoid bad debts.

No one can be happy, no matter how optimistic, who is forever in the clutches of poverty, of harassing debt.

— Orison Swett Marden

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Key Tips On How To Prevent Business Litigation

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Disclaimer: The information written here does not replace any legal advice you can get from the professionals. This article is aimed to give you an idea on the subject matter. If you would want to attain in-depth knowledge about it, you should always seek the help of an attorney who is specializing in business litigation cases.

When you’re an entrepreneur, you want to focus on your business – on how to keep it running and how it can be on top of the competition. You want to be able to keep up with the times while ensuring that your employees and customers are happy with the service you’re giving to them. Since you have a lot on your plate, you don’t have the time (and the energy) to go through business litigation. You can’t afford to lose focus on your business operations because you know what’s needed from you right now.

Indeed, business litigation is a tedious process, and no entrepreneur wants to be placed in that situation – and for sure, you’re one of them. But you don’t have to fret because there are a lot of ways you can prevent business litigation. You can start by implementing these to your business:

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Paano Gumawa ng Business Plan

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Sa pagluluto, ang mga pinakamagagaling na chef ay sumusunod sa konseptong “mise en place” (lahat nasa tamang lugar). Ibig sabihin noon, kailangan naintindihan mo na ang mga instructions o tagubilin sa pagluluto at inihanda mo na ang lahat ng sangkap bago ka magsimula. Kung hindi mo siniguradong ihanda ang lahat ng kailangan, ang mga nakalimutan mong gawin ay pwedeng makasira sa lasa ng iyong niluluto. Ang konseptong ito ay pwede mo ring gamitin sa pagsisimula ng negosyo. Kailangang planado mo na ang lahat para makita mo ang mga bagay na pwedeng pagmulan ng problema at iresolba mo sila bago ka magsimula, at ililista mo rin ang mga bagay na kailangan mong gawin para mas mataas ang pagkakataong magtagumpay ang iyong negosyo.

Bukod sa paghahanda para sa mga problemang pwedeng harapin, kapag nangangailangan ka ng loans sa bangko o kailangan mo ng investors na magbibigay ng pera o kapital para sa iyong negosyo, malamang gugustuhin muna nilang makita ang iyong business plan. Isipin mo lang, kung may nanghihingi sa iyo ng sampung libong dolyar (halos P500,000), ang negosyanteng alam ang kailangan nilang gawin para magtagumpay ang kanilang negoyso ay mas nararapat bigyan ng pagkakataon kumpara sa isa pang negosyanteng nanghuhula lang.

Maraming ibang mas detalyadong guides tungkol sa pagsulat ng business plan sa internet. Ang article na ito ay maglalaman lang ng basics. Ang pangunahing dahilan kung bakit isinulat ko ito ay dahil hindi ganoon karami ang mga guides na nakasulat sa Tagalog. Kapag kailangan mong magsimulang gumawa ng business plan, basahin mo lang ito para makita ang ilang mga bagay na kailangan mong pagisipan.

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How to Write a Business Plan

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In cooking, great chefs follow a concept called “mise en place” (everything in place). That means you must have understood the cooking instructions and prepared all the ingredients before you start to cook any dish. If you don’t make sure that everything is ready, the things you’ve forgotten to prepare can seriously ruin your dish. This concept can be applied to  building a business. You must have everything planned out beforehand so you can anticipate problems and resolve them before they even start, and you will also list down the actions that can help boost your business’ chances of success.

Aside from preparing for potential issues, if you need a loan from a bank or you need investors to help you raise capital for your business, they will most likely need to see your business plan first. Think about it. If someone is asking you for ten thousand dollars, the one who knows exactly what they need to do to make the business successful is a much better bet than the one who’s just winging it.

While there are many more detailed business plan guides out there on the internet this one is simply meant to show you the basics. The main reason why I decided to write this was because there’s not a lot of guides out there written in Tagalog. If you want to start writing a business plan, just read this for an overview of the things you need to think about.

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