#saving101

[thefreebudgeteer]

What Is Your Way to Save Money on Groceries? ↓

https://thefreebudgeteer.com/grocery-store/what-is-your-way-to-save-money-on-groceries/

[untitledzoned]

Saving 101

I just want to share how to save money. I know marunong naman lahat, discipline lang. Mahirap nga daw magipon lalo na kung breadwinner or ano man. I just want to share the knowledge on how I can save money. Tatlong beses na ko nawalan ng bank account. I will not mentioned how much my money lost, pero sobrang laki niya. Sobrang malaki, nawalan. I lost 6 digits because of the utang lang. 

So ayan, ang yabang na pakinggan. Tama na intro, the tips to save money. Madali lang naman magipon or bumalik ang ipon, sa marangal na trabaho. Baka nasa isip kailangan pa ibenta, since ayun lang ang trabahong madali kumita. 

1. Budget money for a week and day. Isulat pa nga dapat mga kailangan, and dapat kailangan lang talaga if you want to save money. Marami naman kaya kahit pa breadwinner, it’s not an excuse na breadwinner or so. May kasabihan nga na, ‘pag gusto mo may paraan. Pag ayaw, maraming dahilan. 

Kasi I was in high school nagkaroon ako allowance, 100 lang naman pero sa panahong iyon malaking bagay na. Ngayon kasi parang 50 pesos na lang yan 100 eh. Anyway, yang 100 na iyan hinati ko, para sakin kasi since I already had a school service and baon, 50 pesos na lang gastos ko, pag wala naman gagawin or bibilin isasave ko. Kaya everytime na may gala kami, may pera ako. Idagdag pa na kaya ko pa humingi pag aalis. I also listed the things na ginagastos ko, yes, high school pa lang pero malistahin na. Kaya ngayon, marunong. Maluho akong tao and spoiled, pero iniisip ko talaga if kailangan ko or hindi. Matakaw pa ako, madalas magcraves. 

Kaya ayan, ang haba ng 1 pero, budget money for a week and a day. May budget plan ka for daily and weekly expenses. 

2. List down all expenses. As i said on number one, nililista ko mga nagastos ko, diba reduntunt nagtagalog lang at iniba lang ang term hahaha. Anyway, ayan, basta list down. Before you could start your day, your week, know the expenses. Yes, it is unpredictable pero dapat alam mo na dapat and know your limits. 

Example, yung college days ko. Di sa pagmamayabang ah, pero 500 a day ang baon ko, pero 300 ang nisasave ko, 400 pa nga tapos ipagkakasya ko na lang 100 pesos sa isang araw. Kaya yun, kasi nga I already budget for my whole week and daily expenses. Nacompute ko na rin magkano ang kailangan ilabas. 

3. Ito, KAPAG HINDI NA TALAGA KAILANGAN WAG MUNA. Lalo na kung bagong ipon lang. Palagpasin mo muna kahit 3 months or kaya na iyan nang 1 month. Baka naman nasa isip niyo, eh kasi spoiled nga ako at kaya ko humingi. Nope, 500 lang binibigay sakin kaya goodluck. Problema ko pa nga, pag napagdesisyonan mga kaibigan ko kumain sa labas. Diba, hassle para sakin. 

Well, tip paano ko nagawa yon. Since 500 pesos nga baon ko a day, and hindi ako pwede humirit pa except for books purposes ganon, pag alam ko wala naman gagawin special or bibilin pa, or may gusto ako bilin pero wala pa, tinatago ko yung 300, minsan nga 400. 100 na lang yung gastos ko, may sukli pa nga iyan. Kung may bank account ka, I suggest every 3 weeks magdeposit or, sakin kasi pag umaot na siya ng 5 digits or makapal na ang pera doon ko na nidedeposit. Tapos yung mga natira sukli, isa-save ko ulit. Diba, ang easy. Kaya ayan, pag may nagustuhan ako iuwing libro sa fullybooked, nabibili ko. Withdraw lang ako tapos, charaaan, nakabili na ko. Kaya nga hinihintay ko mag5 digits ang savings bago man ideposit kasi nga, may mga friends ako na kumakain sa labas. Edi ready ako hahaha. Kung makai kamay mo, suggest ko wag magdadala ng buong ipon. Ako kaya nima-mindset ko na lang na di muna kailangan. SACRIFICE! 

4. Have a little business. Wala naman ako business noon, after lang magcollege doon na ko nagka-business. Pero yang little business is mga kinds of pre-loved and load. Ganiyan ako, may binebenta ako used books ko and damit na ayaw ko na. Tapos I “rented” my school books. Psych student ako, so very important ang psych book ko. So I just had to rented, para atleast nasakin pa yung book and may pera pa ko. Load, hindi uso ang gcash sakin noon pero nagloload na lang ako sa regular load ko tapos ayan, loader na ko. Nakatulong pa ko! (Bakit kasi hindi allowed ang emojis sa tumblr, grrr) Ako, hindi ako loader pero rent on my books, then mga ayaw kong damit and other non-psych books, binebenta ko. We do have a printer too, kaya 5 pesos kada print hahaha. Diba ang saya. Nabibili ko tuloy mga wants ko. Hingi na lang ako sa mga needs. Mas important kasi ang needs kesa sa wants, kaya binibili ko ang wants sa aking saving, well minsan naman sa hingi. Wag mahiya, you’re still student para pwede pa magspoiled. Ayun lang, college ka na kaya dapat limitations. Grow up! 

5. Goals. Wala ako goal noon. Kasi ang gusto ko lang bilin ko mga wants ko sa sarili ko gastos, siempre lahat ng savings ko sa magulang ko. Pero hindi yon hingi, bigay sakin kaya habang binibigyan ako tinatago ko. Ayun nga lang, nawala sa isang utang. Never ako umutang, kahit pa sabihan ako ng “utang ka na”. Never in my life. Prideful? Nope, ayaw ko lang kasi alam ko na hindi ko rin mababayaran agad.Hindi ko nga lang alam, bakit ako nagpautang. Kabaitan kasi, binili ko ang kaibigan. 

Pero may atleast may goal ako, iniisip ko na lang in order to buy what I want kahit mahal pa siya, atleast mabibili ko.  Yun yung goal, which is my short term. Tapos travel travel ganon. Panggas money pa, since nagkakotse din ako agad noon. Sarili travel, sarili pera nga lang nasa mindset ko, kaay nakakapagipon. 

So ayan, medyo magulo and reduntunt nga lang pero atleast sana makatulong. Hindi ko pa sana iba-blog, kaso it just made me. Gusto ko kasi makatulong sa inyo. Pero atleast hindi ba, nakapagsave ako. Nakapagsave ako ng sobrang lakai. Okay sige, I’ll mentioned how much I had lost. 

It was.... the first account, yun yung bata pa lang ako ginawan na ko. It was 100K almost, as in yes, 6 digits na nga. Kasi 6 years, wala ako allowance and work, sila nagdedeposit. The only money I earned back then it’s a Christmas money gift, yung nasa ampao. Until maghigh school ako, at college, Christmas ampao. LAHAT nang Christmas ampao sakin, deposited. Ang corny man pero atleast, it helped me. Ayun lang, it just one snapped, it all out. 

So lessons from ya’ll, don’t ever make pa-utang. Magpapautang, atleast kahit 2 or 3 digits pwede malipad. Pero iyang 4-6 digits, huwag na huwag. It is a lesson from me na, if you’re reading. 

So ayan.... saves well! 

[queenripper]

Learnings from 7 Feb. "Financial awareness today, thank yourself tomorrow." This 50 20 30 rule helps build budgeting habits. Mag save tayo bes, para hindi nganga bukas! Hihi.. #kalamomagalingmagipon #financialawareness #saving101 🐷💵💳📝

[theadventurousgirlfromtheso-blog]

Saving Plan 101

Last year I told to myself that I am going to save some money but until now ughh.. I don’t know what happened, today, another promise to spend more wisely and save more cash! To successfully execute this money-making quest, I must take note of my allowance, my usual expenses and major activities I’ll need to spend for over the next few months. I will track all of my savings and spending habits manually or electronically, and following these thrifty tips and sample monthly plans from my friends and family. 

1. Keep a journal for your cash plans. list down all your goals, and be as specific with the amounts as possible.

2. formulate a chart that will help you track all your savings and expenses. taking note of everything will help you spot saving stumbles you make in a week, and allow you to correct them as early as possible.

3. Set a monthly goal and target to keep you focused.

4. To have an idea of the total amount you’ll get for the year, calculate your daily allowance and multiply it by the number of days you have.

5. Stash your saved cash in a special locked box or a bank account. Make it so that it would be difficult for you to regularly dip into your savings.

6. With every goal you set, estimate the cost and find out how far ahead you need to start saving.

7. Make it to a point to regularly write in your cash journals, Note all your expenses, no matter how small they may be.

[thelifeofpay]

Need to go to the bank & credit union today before class ..