save money

Ang Isang Tanong para Makatipid ng Pera

November 22, 2016 by Ray L. Leave a Comment

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

November 22, 2016 by Ray L. Leave a Comment

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

September 13, 2016 by Ray L. Leave a Comment

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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

September 13, 2016 by Ray L. Leave a Comment

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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Tipid sa Pera: Limang Payo para sa Pagbili ng Matibay na Gamit

August 16, 2016 by Ray L. Leave a Comment

*Ang article na ito ay naglalaman ng affiliate links.

English Version (Click Here)

Bagong damit, bagong sapatos, bagong bag, bagong gamit… kasi yung huling binili mo hindi man lang tumagal ng tatlong buwan. Bumili ka ng mumurahing peke at nasisira lang, kaya bumili ka uli at ganoon pa rin nangyari. Hindi ka lang nagsasayang ng pera sa walang kwenta, nakakasama ka rin sa kapaligiran dahil sa basurang itinatapon mo. Kung gusto mong iwasan ang ganoong perwisyo at pagkadismaya, pwede mong pag-aralan ang pagiging tipid sa pera sa pagbili ng may kalidad na gamit. Itigil mo na ang pagbili ng ilang-daang mumurahin at ipunin mo na lang ang pera pambili ng kakaunting kagamitan na dekalidad o matibay. Mas tipid ka sa pagdaan ng panahon at ito pa ang limang payo para lalo kang mas-makatipid pa.

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