Money serves many purposes.
One of which is to make life easier.
How do you know if you’re using your money in the RIGHT manner?
If the money you are making is making your life EASIER…
But if it’s the other way around, it could mean you’re using it the WRONG way.
Does it sound right?
If so, how can we spend our money wisely?
Here are some of my practical tips:
MAKE A BUDGET PLAN.
A budget plan is a roadmap that guides and tells us if we are on track. Kung tayo ay bibiyahe, for sure, ayaw nating maligaw ng landas.
Ganoon din sa paghawak ng ating finances. Ayaw nating mag-overspend at malubog sa utang.
Maaaring hindi natin ikakayaman ang paggawa ng budget plan, pero siguradong makakatulong ito para hindi tayo mai-stress pagdating sa pera.
STICK WITH YOUR BUDGET PLAN.
Balewala ang pagpaplano natin kung ‘di rin natin ito susundin. Most people understand the need for a good budget, but only a few follow through. If we really want to succeed in handling our finances, we need to decide and resolve to stick with our budget plan.
KNOW YOUR PRIORITIES.
List down your basic needs. Ano ba ang mga priority nating pagkagastusan? Ilista ang mga pinakamahalaga sa iyo and from there, identify your needs from your wants.
PAY YOUR BILLS ON TIME.
If you have a credit card, that’s fine – as long as nababayaran mo ito on time. Kaya lang, may ibang nalulubog sa utang dahil sa patong-patong na interest nito. Kaya bago maghappy-happy, make sure na nabayaran mo na lahat ng responsibilities mo.
Remember: No matter how little or how much money we have, spending it wisely is always a good idea. Walang ibang makikinabang rito, kundi tayo rin.
THINK. REFLECT. APPLY.
Are you wise in spending your money?
Do you have a budget plan?
Have you tried listing down your priorities?