Hello mga KaPD,
Good day!
Naisipan ko lang mag share ng Financial Literacy dito.
So if you find this beneficial, alam nyo na po and if there is something you think can be improved, please, please let me know.
Naniniwala kasi ako na ang mga Pilipino ay madidiskarte sa paghanap ng trabaho, pero kulang sa kaalaman sa pagplaplano ng pera.
Natanong mo na ba ang sarili mo kung saan napupunta ang pera mo?
"Bakit kaya ang bilis ng pera?", "Luh, san kaya na punta ang pera ko?"
These questions are very common. So first, you need to TRACK your expenses.
Lahat. Kahit na piso yan, pera padin yan. There is a saying that even the smallest leak can sink the ship.
Pag nakita mo na kung saan napupunta ang pera mo, BUDGET ang kasunod nyan.
Normal na pagbubudget ng isang tao:
Sahod/Allowance - Expenses = Savings.
Pagdating ng sahod, ibubudget agad yan sa gastusin at kung may matira man, lalagay sa savings. Kaso kadalasan, nagagalaw din ang savings.
The correct formula on how to save better is this:
Sahod/Allowance - Savings = Expenses.
Pagdating ng sahod, iprioritize and pag iipon bago gastusin.
"Do not save what is left after spending, but spend what is left after saving" - Warren Buffet
Pag ok na yung budget mo, then you can create your EMERGENCY FUND.
Ang emergency fund ay ipon mo for emergency. Your emergency fund should cover your expense for unexpected events.
Mga ganap na pagkawala ng trabaho, nagkasakit at hindi pwedeng magtrabaho. Ang emergency fund ay dapat equal sa 3-6months ng sahod mo.
Pagtapos nyan, you then create your GOALS!
Ito ang exciting kaya masarap mag ipon, it's like a game na once you break it, you will go to the previous stage or back to start.
Let's say your goal is to have a house.
Remember the SMART Goals.
Specific - Dapat kungkreto. Wag "Gusto ko ng tirahan, tulugan", dapat "gusto ko magkabahay". Wag "gusto kong mag travel", dapat "gusto kong mag BAGUIO". You should be specific to achieve your goal.
Measurable - Dapat nasusukat. How much. You need to determine the money you need to set a side for that goal.
Attainable - Do you think you can achieve that goal?
Realistic - If you think you can, then that is very realistic.
Timebound - Dapat may deadline. Kung wala kang deadline, you will just saving forever. Let's say you want a house. But kelan mo gusto magkaroon ng bahay? Ganun. ^^
Additional Tips:
Remember the inflation. Simplehan nalang natin. INFLATION - pag taas ng bilihin.
So kung mag iipon, you need to find a vehicle that will beat inflation, kasi kung hindi, maiiwan ang pera mo. ANG TAAS NA NG BIGAS NGAYON, tas yung pera mo ganun padin ang halaga? Hindi kana makakabili ng 16pesos per kilo na bigas, hindi gaya ng dati.
That is INFLATION.
Yun lang
Nexusz04
Financial Advisor