Today, I would like to share with you ideas on saving and budgeting. In fact, there are a lot of tips available in the internet, but let's just focus on two things:
1. Reduce your expenses
2. Increase your income
Those two are the facets of successful savings also. If you think kulang ang kinikita mo, might as well, write down all the expenses you make every day and prioritize. Make a budget, kung ano lang muna ang importante iyon muna ang bilin. E pano naman kung lahat importante? That's the time you increase your income. Ibig sabihin lang is that kulang talaga ang monthly income mo.
In terms of increasing your income and reducing your expenses, there are a lot of things you can do:
1. Earn from you skill/talent (Baking, Graphic arts or multimedia, tutoring, singing,online job, MLM etc)
2. Sell stuff you don't need (Pwede kang mag garage sale)
3. Bring your baon (either going to school or work)
4. Bring your own coffee (kung kaya naman di bumili ng mamahalin na kape, bring your own,healthy na brewed pa!)
5. Discipline - Wag nang bilin ang mga bagay na di naman talaga kailangan o pagkagastusan, o kaya naman ay makakapag hintay, ito ang tinatawag na delayed gratification :)
Below are some tips from Pru Life UK on how to loose some pounds!
Hope that this article was able to give you ideas on financial planning. :) happy sunday!
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