[kimerran]

masama ilagay ang lahat ng pera
sa bank lang, learn how to invest.

[ferrariEverest]

invest &/or magnegosyo.

[michael.es]

best way talaga para magipon is to save up and open a bank account to hold your savings. tapos ileave mo yung atm card mo sa bahay pag hindi naman really need para wala yung temptation para mag withdraw haha.

[ferrariEverest]

pano kung malayo ang 7-11 sa amin?

[stdntVisitor]

Aha. effective b talaga yan??? e paano kung ang bangkong hinuhulugan mo eh nasa loob ng mall. before you can deposit your money eh nakaliko na agad ang paa mo sa mga stalls.. paano un???

[vicces]

magbaon ka ng madaming-madaming panangga ng temptation, lagyan mo ng picture ng dream car or family mo ang wallet mo para yun mag magremind sayo na kailangan mong magtipid for this specific goal. or pumunta ka s bank ng last 30 minutes bago magsara, para direcho ka na sa banko at wala ng time magwindow shopping.. mejo agahan mo lng pag maraming tao lagi sa bank mo at baka sobrang haba ng pila tamarin ka at tuluyan na ngang matukso sasapatos na nadaanan mo...=)

[ferrariEverest]

stdntVisitor,
let your sensible head dictate the movement of your feet.

vicces,
kung may discipline, d mo na kailangan ng mga 'baon'. natututunan rin naman yung discipline e, specially kung seryoso yung tao to change/improve.

[stdntVisitor]

mejo agahan mo lng pag maraming tao lagi sa bank mo at baka sobrang haba ng pila tamarin ka at tuluyan na ngang matukso sasapatos na nadaanan mo...=)

major factor na nakaka affect sa self control ang sobrang haba ng pila

[brokerbackgirl]

I use the envelope system.. withdraw everything I need for expenses, keep the atm and creditcard at home
and just bring what I need for the day.



I transfer money in investing+savings in a separate account agad right after payday

[ForexBoy]

Para mag-ipon ng pera, syempre minimize ang gasto and expenses.

[Ma.Jewel]

First you need to have self discipline, kc ksabihin na natin nagsave k nga pero wla pang isang oras winidraw mu na din, parang wala ding ngayri at nagpagod k lng papuntang atm.

You should know qng magkano ba ang expenses mo per cut off, then pag payday na, itansfer mu agad ung iba sa savings account mu then withraw ur allowance for that period. Then set your mind na u need to make both ends meet with the money you have in hand, at kalimutan mu temporarily na merun kang tinabing pera.

[chrismanlapas]

i suggest every cut off you don't withdraw all of your money. save some in the bank. do it ever cut off you have and you'll be surprised the next time you check you have alot saved up. also instead of buying lunch out during lunch try packing lunch from home like rice with hotdogs, fish, porkchops, anything. mas makakatipid ka talaga 

[joconcepcion]

50% of your earning = neccesity
10 %                        = savings
20 %                        = investment
10 %                        = allowance/substinance
10 %                        = "Kapricho"

[tyronesolee]

First is to pay yourself first. If you have a job, then set aside savings first before spending. Use INCOME less SAVINGS equals EXPENSES. Saving must be coupled with will and determination to resist temptations to spend.

Ideally, you must set aside at least 20% to savings. This is based on the idea of Pareto's Principle of 80/20. Of course, the more the better. Live below your means.

For payment of bills, it is best to use the tried and tested envelope method. Set aside money and place it in envelopes labeled with the bills you're paying.

Learn how to invest and target investments which have yields at least higher than the current inflation rate. As you grow your savings, invest into assets that are passive-income generating.

As per Kiyosaki, the poor, middle class, and rich persons differ by the way they spend their income.

http://www.millionaireacts.com/1238/what-is-financial-intelligence.html

[krsitine020]

mag pigy bank ka or mag kumuha ng bank account
or mag business pra lumaki yung money mo...
then magtipid tipid ka