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Paano Gumaling sa Paggamit ng Pera (Ang Aming Number 1 Tip)

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Pag-usapan natin ang isang tanong na kailangan mong isipin bago mo gastusin ang perang pinaghirapan mo. Kapag nagsimula ka nang mag-aral tungkol sa personal finance at tamang paghawak ng pera, matututunan mo kung paano mag-ipon muna (“pay yourself first”) at paano mag-invest. Matututunan mo rin kung paano magbayad ng mga utang at paano iwasan ang pagkabaon dito, ang pagkakaiba ng mga pangangailangan at kagustuhan lang (needs vs wants), assets at liabilities, insurance, taxes, at iba pa.

Ang aral dito sa article na ito ay tungkol naman sa kung paano mo dapat gamitin ang iba mo pang pera. Matapos mag-ipon at mag-invest, paano mo magagamit ng mabuti ang natitira mong pera sa sweldo.

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Bridging Finance Can Help You Get Your Dream Home

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*Article contributed by Sarah Williams.

Most of the people around us work hard all their life to build assets that they can use and pass on to their children. It takes years of hard work and budget cuts to even buy a basic apartment. However, who does not want to live in a big house which has the perfect gym to workout in, a large outdoor area to get yourself tanned along with a small garden at the back. Most of us take that thought every day at work to move closer to their dreams and try to bridge it to reality.

While getting the desired house for new home buyers can be a daunting task, it can also get really tricky for house owners who want to sell their existing homes and buy a new house.

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How to Join a Franchise: 5 Signs That You’re Getting a Good Business

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*Contributed by Sarah Morris.

Franchising is a business concept that is increasingly attracting a lot of wannabe entrepreneurs nowadays. Many consider it a good and safe starting ground in business. If you ever wanted to open your own restaurant business but can’t put up a huge capital for it, you might consider franchising an established restaurant. With so many options to choose from, it can be challenging to choose the right one.

To evaluate your choice, here are some telltale signs that you’re definitely investing in the right franchise business:

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Paano Magtipid ng Pera Gamit ang Istratehiya ng isang Greek Hero

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*Ang article na ito ay naglalaman ng affiliate links.

Palagi tayong nakakaisip gumastos. May mga sale at discounts, luxury goods o luho, at magagandang kagamitang hindi naman talaga natin kailangan. May napakagandang bagong mga damit sa tindahan. Nariyan ang tindahang nagbebenta ng paborito mong pagkain. Nariyan din ang magandang headphones, earrings, o accessory na nagugustuhan mo… at may pera ka naman para sa kanilang lahat. Hindi naman masamang bilihin ang iilan sa mga ito diba?

Pagkatapos ng ilang shopping trips, napapansin mo na halos wala na palang laman ang wallet mo at sakto na lang ang laman ng iyong savings account sa bangko para mabuhay hanggang sa susunod na suweldo.

Nariyan palagi ang tukso para tayo ay gumastos at mayroon palagi tayong mga bagay na gustong bilhin. Pwede nga tayong magbudget, pero madalas mapapagastos tayo nang sobra at masisira lang ito. Ano ang dapat nating gawin?

Sa librong Dollars and Sense ni Dan Ariely, may istratehiyang ginamit ang isang sinaunang bayani ng Griyego para makatakas sa sakuna, at pwede natin itong gamitin para makatipid ng pera at tumigil sa sobra sobrang paggastos. Tinawag itong “Ulysses contracts” ni Dan, at ito ay mga istratehiya para maiwasan natin ang mga dadating na tukso.

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How to Save Money Using a Greek Hero’s Strategy

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Tagalog Version (Click Here)

*This article contains affiliate links.

The temptation to spend is everywhere. There are sales and discounts, luxury goods, and cool stuff we don’t actually need. There’s a nice new shirt or piece of clothing on the store window. There’s that little snack bar that makes your favorite food. There’s that nice set of headphones, earrings, or accessory that you want… and you do have money for all of them. It can’t hurt to buy a few, right?

A half-dozen shopping trips later, you realize that your wallet is almost empty and you barely have enough in your bank’s savings account to survive until the next payday.

The temptation to spend is everywhere and there’s always something we want to buy. We can, indeed, set a budget, but most likely we’ll overspend and break it. What should we do?

In Dan Ariely’s book, Dollars and Sense, there’s a strategy an ancient Greek hero used to avoid danger, and we can use that to save money and stop overspending. Dan called it “Ulysses contracts”, and it’s basically any strategy we use to avoid future temptation.

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