5 STEPS TO EFFECTIVELY SAVE MONEY: A FILIPINO STUDENT GUIDE

Do you want to save? Kaso lagi mong nakakalimutan at nagagastos? Are you a student who wants to save for the benefit of mankind? Pero gusto mo talagang mag save ng pera. Here’s a few steps for you.

1. Have a purpose

Opo alam ko na ang goal mo ay mag SAVE! Pero ang tanong, ano nga ba ang gagawin mo sa na i-save mong pera? For enrollment? For someone’s birthday? Pambibili mo ng gadgets? Oh kung ano man yan, having a purpose is important to achieve what you want. Sabi nga li Louw Rabie CFO ng Sygnia Asset Management.

“If you are putting money away on a monthly basis and you don’t know why are you saving, then there is a good chance that you are going to stop saving or dip into your savings pool”.

Not having a purpose is the first mistake you can commit when saving money.  Kaya dapat may purpose din ang pagsisave mo, wag lang save ng save ng pera kasi kung wala din naman palang purpose yung gagawin edi dapat binili mo nalang ng pagkain na busog ka pa.

Ano nga ba ang purpose mo?

2. KNOW YOUR NUMBERS

Knowing your number is the first step to achieve your goal because it is the image of your financial reality. Allowing yourself to know this reality will give you something that no one can ever take away from you and that is KNOWLEDGE. This step is the easiest step to do, you can even do this while eating Mcspaghetti at Mcdo using their Mctissue and you can also ask for a Mcpen for a maximum Mcexperience. All you have to do is alamin at isulat sa papel ang pumapasok (INFLOW) at lumalabas (OUTFLOW)na pera sayo araw-araw at icompute ito. There are 3 results after doing this it’s either a positive, negative or ₱0.00 number . Me I have ₱100 na baon (INFLOW) at ₱20 na pamasahe balikan (OUTFLOW). That means  I have ₱80 excess cash which makes it a good number for saving money.

How about you? WRITE IT DOWN NOW!

3. BUDGETING with Deseplen

Budgeting with deseplen ay ang improved version ni step number 2. Pero dito you are trying to make a strategy kung paano mo a-achieve yung goal mo. The goal here is to cut your expenses, as a student I still don’t have income kaya ito lang ang magagawa ko. Nakakahiya naman kasing sabihan ang magalang ko na dagdagan yung baon ko LOL. How to do it?

Just list down your necessary and unnecessary expenses. Ang mga unnecessary expenses or mga di importante sayo at dapat isantabi muna “OUCH”. Ngayon, ang mga necessary expenses nalang ang natitira, this might include transpo, food etc. What you neeed to do know is tignan mo kung saan dyan ang pwede mo pang limitahan. Like food, magbaon ka nalang or transpo lakad ka nalang. Nakapag diet at exercise ka na nakapag save ka pa.

4. START

Sabi nga nila the hardest thing to do is to start.  WELL LETS BE HONEST ITS EASIER TO JUST SLEEP , PLAY A GAME OR EVEN TUMUNGANGA THAN TO start doing something you think you want do or you planned to do. Starting is really  your Mt.Apo  between you and your goal.  Saving seems easy to think but hard to execute but you see the real secret of achieving this is just to start..start saving now.

Hey, This is my first blog. I'll make it better. THANK YOU FOR VISITING. ANY COMMENT IS APPRECIATED