Many of us live a life na “maayos” naman pero kadalasan walang naiipon. Lalo na sa maliit ang kinikita at tamang tama lang sa pang-personal na gastos.
Here are the 7 ways to right saving.
1. The Right Mindset
You need to have the right mindset why you need to save money.
Bakit ka ba mag-sasave? Para saan?
Dapat alam natin kung saan ilalaan – sa emergency ba? In case may magkasakit, o mawalan ka ng work?
Nakakalungkot na may mga taong kailangan mangutang when emergency happens – at worst kailangan pa isanla ang ATM nila.
2. Hindi hadlang ang Maliit na Sweldo
Hindi dahilan at hindi hadlang ang maliit ng sweldo para hindi ka mag-save.
This formula might already be familiar to you, but in case you need to be reminded – use this whenever you get your salary.
Not the other way around which most of us do. Income – Expenses = Savings.
Hindi naman kailangan sobrang laki ng kailangan mo i-save.
Choose an amount comfortable to you.
It could be ₱10, ₱20 or ₱50 – eventually this will grow.
Discipline will be developed.
Isipin mo nung una kang nag-gym. Diba masakit sa muscles nung una? Parang ayaw mo na nga eh. Pero habang tumatagal padali na ng padali.
Kaya kapag lumaki na sahod mo – palaki na rin ng palaki ipon mo. Ok ba?
3. Bank or Bahay?
Where do I put my saved money? Sa bank ba o sa bahay.
Sa simula, I’d say it’s not important if it’s in the bank.
Noong nagsisimula pa lang ako, nasa alkansya lang ipon ko. Sa DIY box na ginawa ko lang.
What’s important is hindi nagagalaw.
Eventually, noong lumaki na, I had to open a savings account separate to my payroll account.
Again, what’s important is hindi nagagalaw ang inipong pera.
4. Sakto Lang ang Kita
I need to go to the topic of budgeting.
Kahit ayaw mo paguusapan natin ito. Hehehe.
Budgeting helps you list the things you have to spend on and realize that there are things na hindi naman pala importante at hindi kailangan.
Kapag hindi mo sineryoso ang budgeting, kapag lumaki ang sweldo mo mag-uupgrade ka din ng gastos.
Budget and decide – "ah ok ito lang ang ilalagay kong budget sa pagkain" – and then live with it.
5. Savings Na Kumikita ng Interest
Banks only yield minimal interests – and this is reality.
Most banks yield 0.25% per annum given a minimum balance to earn that interest.
Huwag ka ng umasa na kikita ka sa bangko. Masasaktan ka lang.
Here’s the benefit in putting your savings sa bank –
- It offers convenience – for paying bills and online transactions.
- It’s safe and secured – protected by thefts or fire.
6. Ipon ng Ipon Pero Mamamatay din Naman – Mindset
Remember how we talked about budgeting sa #4, well there’s more to that than listing your expenses.
Hindi ko sinabi na ipon ka ng ipon pero hindi ka naman mag-eenjoy.
When you budget you also have the option to set aside for things you want to enjoy.
Ok – ito iipunin ko, ito naman i-eenjoy ko.
Hindi din naman tama na ung mga ineenjoy is wala sa budget.
If saving is your lifestyle, you won’t feel deprived.
Know your priorities.
7. Age To Start Saving
The time is now.
The younger you are the better.
BUT – if 30, 40 or 50 ka na, wag mo naman i-condemn and sarili mo at sabihin na huli na ang lahat.
It’s never too late to save.
