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Paano Malaman Kung Sulit ang Iyong Paggastos (o Hindi)

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Nagbigay si Orison Swett Marden ng mabuting payo para malaman natin kung sulit man o hindi ang paggastos natin ng pera: “It is wholly a question of what you get out of your expenditure, not its amount, which makes it a wise expenditure or a foolish one.” Ang nakuha mo sa iyong paggastos, hindi ang laki ng halagang ginastos mo, ang batayan ng kabutihan o pagkasulit ng iyong gastusin. Kung lamang ang pakinabang na nakuha natin kumpara sa ginastos, mabuti ang paggastos natin. Eto lang ang kailangan nating tandaan. Ang halaga ng bagay ay hindi palaging maitutugma sa presyo nito, at napakaraming gastusin ang walang kwenta gaano pa man kaakit-akit ang bawas o pagkamura nito.

Heto ang isang maiksing guide na pwede mong gamitin para malaman kung maayos ba ang iyong paggastos ng pera.

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How to Tell if You Spent Your Money Wisely (or Not)

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Tagalog Version (Click Here)

Orison Swett Marden gave some good advice on how we can tell if we spent our money wisely: “It is wholly a question of what you get out of your expenditure, not its amount, which makes it a wise expenditure or a foolish one.” If we got more value compared to what we spent to get it, then it’s a good deal. The thing is, value is not always connected to price and a lot of expenses are terrible no matter how exciting the discounts seem.

Here’s a short guide you can use to tell if you spent your money wisely.

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Key Ways To Turn Bad Business Funds Into Profits

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As business owners, we keep a keen eye on our expenses, especially when the company is concerned. We try to make sure there are protocols and systems in place to ensure that our company remains profitable for an extended period of time. Unfortunately, we can’t manage everything and account for all circumstances, and sometimes we don’t notice the existence of bad business funds. It’s important to realize however that these funds aren’t always “bad.” In fact, here are some key ways to turn bad business funds into profits.

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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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Tagalog Version (Click Here)

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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