3 TIPS PARA MAKAABOT ANG NATITIRANG SWELDO BAGO MAG-PAYDAY

LAGING MAGLAAN NG BARYA 

Sabi nga ng famous jeepney line sa Pilipinas,
“Barya lang po sa umaga!”
Pero aminin natin, once na mabaryahan na ang pera, ang
tendency ay tuloy-tuloy na ang pag-gasta. The reason na mas mainam
na lagi tayong may barya sa pitaka ay para eksakto ang ating
naibabayad sa jeep, taxi o bus.

The advantage of this is that we can easily segregate
ang exact amount na nakalaan sa budget for grocery,
payment for water and electricity, loans and insurance kung meron man.
Ang madalas na paglalaan ng barya sa bulsa o pitaka
ay nakatutulong din na ma-track kung magkano na ang nagastos.

DAGDAGAN ANG HALAGA NG IPON KAYSA GASTOS

Maliban sa madalas na paglalaan natin ng barya sa araw-araw,
dapat na mas pagtuunan ng halaga ang ating ipon.
Isang praktikal na strategy para ang sweldo
ay makaabot pa on the next pay-day ay tayo mismo ay mag-ipon.
May alkansya ba tayo na pwedeng gamitin?
O ‘di kaya’y pwede ring mag-ipon through a debit card or passbook.

Kahit piso, limang piso o sampung piso na iipunin everyday,
in one way or another magkakaroon tayo ng buffer.
Aside sa ipon natin for savings, dapat ay may ipon din tayo for other needs.
We may not know what will happen next,
mas madali na lang talaga na…

UGALIING MAGLAAN NG EMERGENCY FUND

Kung ang ipon natin ay hindi pwedeng magalaw
unless kailangan talaga, dito pumapasok
yung purpose nang paggamit ng emergency fund.
Kung ating paglalaanan ng pera ang ating emergency fund
the moment na makuha natin ang sweldo,
for sure ay may mahuhugot tayo sa oras ng kagipitan.

One strategy to keep an emergency fund is that
we must always separate kahit 10% from our earnings.
Savings and emergency fund must be separated first
from the amount na panggagastos natin.

“Umabot pa sana ang natitirang mga barya ko sa bulsa.
Konting tiis at ang sahod ay malapit na. ”
-Chinkee Tan. Filipino Motivational Speaker.

THINK. REFLECT. APPLY.

• Paano ka mag-budget ng sahod mo?
• Do you always separate an emergency fund and savings agad?
• What strategy can you do this time para umabot pa ang sahod mo before payday?

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