PAANO MAG-IPON NG PERA SA BANGKO?

One of the biggest reasons why some people fail
in saving is simply because they spend more than they should.
Putting shopping and treats on top of the savings, always.
Yung tipong nagsusulat pa lang ng matrix sa budgeting,
naka-two pages (back-to-back) na ang list of expenses.

He-he! ‘Di hamak na magtataka na lang tayo
kung bakit kahit ilang beses na sigurong nanaginip
na mayaman na tayo pero hindi pa rin nangyayari.
Bakit hindi natin i-cut off yung madalas na pag-sho-shopping,
lalo na kung hindi naman badly needed.
Instead of investing our money sa malls, bakit hindi tayo…

MAG-OPEN NG SEPARATE BANK ACCOUNT FOR SAVINGS

Marami naman na siguro sa atin
ang may kanya-kanyang bank accounts.
Pero yung bank account ba na pinag-uusapan natin dito
ay solely for savings o madalas na-ko-compromise?

“Ito na lang muna yung i-su-swipe ko,
papalitan ko na lang kapag sweldo…”

Aminin natin, madalas ganito ang nagagawa natin.
Masaklap pa nito kung nakalimutan nang hulugan ulit.
Kung hindi natin ma-control ang ating spending habits
dahil rin may debit card o credit card tayong maaasahan,
mag-open na lang tayo ng separate bank account.
At this time, dapat pang-savings lang talaga at wala nang iba!

At kapag nahulugan na, mas magandang iwanan sa bahay.
Itago sa cabinet, drawer, or secured card holder for safe keping.
Then take time to set a date kung kailangan dapat ito depositohan ulit.
This may sound funny and desperate para lang maka-ipon,
pero kung seryoso tayo, makakaya nating gawin ito.

MAG-INVEST SA IBA’T IBANG INVESTMENT FUNDS

Every bank has their own investment programs at funds.
Why not open our eyes and widen our knowledge
on different ways and kinds of investment.
Para sa beginners, we can start at investments at low risk
with medium to high returns.

Bilang bank account holders, it’s also our responsibility
to know how we can utilize and maximize our savings.
Gamitin natin yung privilege ng in-o-offer ng bangko natin.
Baka sa paraang ito, mas matututo tayo
na mag-ipon smartly.

MAG-TIME DEPOSIT PARA IWAS SA UNTIMELY EXPENSES

Kung sa tingin natin ay may tendency tayo
na gastusin kahit yung pinaka-iingatan nating savings,
bakit hindi tayo mag-time deposit?
Aside sa other bank accounts natin na madalas nagagalaw.

Ang isa siguro sa kagandahan ng time deposit sa bangko
ay hindi tayo basta maka-wi-withdraw sa ating account.
Dahil sa panahong nag-open tayo for a time deposit account,
yung nakatakdang panahon na ine-schedule para makuha
ang return of investment natin ay siya lang susundin.

Ang mga ganitong ideas sa pag-iipon ng pera sa bangko
ay makatulong nawa para magkatotoo yung…

“Sana sa paggising natin, marami na tayong pera sa ating mga bank accounts.”
–Chinkee Tan. Filipino Motivational Speaker.

 

THINK. REFLECT. APPLY.

• Have you started investing?
  
• Anong mga paraan ng investments ang napaglaanan mo na?
• Kung wala pa, how can you make an investment today?

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