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Money management (ways to save money)

Halftrick · 42 · 7152

Halftrick

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on: May 08, 2013, 05:32 PM
last night nagkaroon kami ni mommy ng argument regarding money matters. 2mos na ko hindi nakapagbigay ng sweldo ko sa kanya (w/c is dati regular ako nagbibigay). ang reason ko naman kaya hindi ako nagbibigay kasi sabi ko sa kanya naisip ko na time na para magipon ako para sa future ko. kasi napansin ko wala pa tlga kong investment sa tagal ko n nagwwork.
1year and 2mos na ko sa trabaho ko (my 1st job) and narealize ko na kelangan ko na magipon at maginvest kasi hindi sapat ung aasa lang ako sa sweldo ko. kaso ang problema wala din ako naipon dun sa 2mos na sweldo ko..as in wala. hindi ko n den matandaan mga pinagkagastusan ko maliban sa remaining balance ko sa braces ko na ako na ang nagbabayad. pinapagalitan ako ng mommy ko pero iniinsist ko na nagiipon ako kaya ganun pero kung ako tatanungin wala ako naipon. ngayon ko lang narealize gano ako kairresponsable pagdating sa salary ko. aminado na ko na di ako marunong mag manage and i want to make things right...is it too late for me? i need some advice.  gusto ko na din makaipon and maginvest. wala lang ako idea kung saan effective iinvest ung perang maiipon ko. sana matulungan nyo ko dito.

my monthly salary is 12k per month. i usually get 500php incentive sa products n nbebenta ko sa store. saan ba maganda iinvest ung maiipon ko? salamat po sa tulong!

« Last Edit: May 08, 2013, 05:37 PM by Halftrick »


Skyrise

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Reply #1 on: May 08, 2013, 05:51 PM
Me time ka pa, Before you go into investing, Manage your Expenditure and live below your means.  :hello:


george88

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Reply #2 on: May 08, 2013, 06:40 PM
@Halftrick bro probably your age is between 21-23 years old and its good to hear na naisip mo agad ang magipon at maginvest... When I'm at your situation I never think about investments all I think about is to save money for a capital of the business that I want... Investing is different from saving because you are betting that your money will grow in the future... If you don't need the money you invested 5 years from now go on invest...


xcube

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Reply #3 on: May 08, 2013, 07:05 PM


i just read about the 70-20-10 principle, kani-kanila lang somewhere in this forum. makakatulong yun if you follow the principle religiously.


Halftrick

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Reply #4 on: May 08, 2013, 07:18 PM
@Halftrick bro probably your age is between 21-23 years old and its good to hear na naisip mo agad ang magipon at maginvest... When I'm at your situation I never think about investments all I think about is to save money for a capital of the business that I want... Investing is different from saving because you are betting that your money will grow in the future... If you don't need the money you invested 5 years from now go on invest...


yes sir i'm only 23..,actually matagal ko na po tlga naisip yan..before p lang ako gmraduate ng college. kaso narealize ko den na mali ung way ko ng pag manage ng pera ko. and considering na lalake ako dapat makapag establish na ko agad since ako mgiging foundation ng family in the future. kani2na while i have idle time sa work nag surf ako dito sa net w/c leads me here. kaya eto sinimulan ko na dito pa lang para magkaron na ko ng lead kung pano ko sisimulan ung proper management ng pera. siguro saving money comes first for me tapos tska ko iinvest ung perang maiipon ko..kaso i want to know how i will properly do this 2 things. hehe aun po... kagabi actually hindi ako nakatulog kakaisip ng mga pwedeng mangyare sa future ko. kaya im seeking for advice especially sa mga mas experienced na sakin when it comes to this matter.


xcube

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Halftrick

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Reply #6 on: May 08, 2013, 08:25 PM
this thread can be a good start

 >>>> http://www.pinoymoneytalk.com/forum/index.php?topic=44175.msg455821;topicseen#new

thanks for this bro!nakakatuwa..tama ung kwento..  :cool2:


pulubing_palaboy

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Reply #7 on: May 09, 2013, 01:06 AM
just keep in mind that convenience costs money
cut out expenses that are not NEEDed


Halftrick

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Reply #8 on: May 09, 2013, 01:19 AM
just keep in mind that convenience costs money
cut out expenses that are not NEEDed

thanks dito sir!

sa lifestyle ko naman hindi naman ako gumigimik. wala din bisyo...ang pinaka bisyo ko na lang eh magjoin ng mga running events. un na pinaka bisyo ko. tapos pag me mga kelangang running equipments ganyan. dun napupunta actually ung kadalasan pag meron akong binibili hindi parin para sakin para sa family ko pa din like for example sapatos ng kapatid ko, damit ni daddy and mommy ganun


palailai

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Reply #9 on: May 09, 2013, 09:57 AM
ang bait mo 'pre...sana ganun din ako!..


e_win

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Reply #10 on: May 09, 2013, 10:26 AM
Start to record your expenses, mas maganda kung ilagay mo sa excel, maraming mga forms sa net,. Pero mas maganda check mo lang yung mga categories at gumawa ka ng sarili mong format. Kapag ikaw kasi ang gumawa mas gamay mo.

Kung nag-aalala ka na wala kang naipon..marealize mo, magugulat ka pag nakita mo na expenses mo, start to record even from a piso na nilabas mo..Sa akin I try to record everything pag hindi nag match ung record ko sa remaining na pera sa wallet., discrep..hahaha.

sunod un next step


nemo1207

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Reply #11 on: May 09, 2013, 10:44 AM
^^ Agree with starting to write down all the expenses up to the last centavo, matrabaho pero when you get used to it, madali na, susunod na jan ang proper savings then into investing naman... Good luck bro, sana maturuan at sumunod din ung mga pamangkin ko na gusto kong matuto ng financial literacy...


Halftrick

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Reply #12 on: May 09, 2013, 11:10 AM
Start to record your expenses, mas maganda kung ilagay mo sa excel, maraming mga forms sa net,. Pero mas maganda check mo lang yung mga categories at gumawa ka ng sarili mong format. Kapag ikaw kasi ang gumawa mas gamay mo.

Kung nag-aalala ka na wala kang naipon..marealize mo, magugulat ka pag nakita mo na expenses mo, start to record even from a piso na nilabas mo..Sa akin I try to record everything pag hindi nag match ung record ko sa remaining na pera sa wallet., discrep..hahaha.

sunod un next step

ok sir salamat!i'll do this kahit hindi ko maxado gamay excel aaralin ko xa...salaamat sa advice sir!:)


xtina

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Reply #13 on: May 09, 2013, 11:18 AM
ok sir salamat!i'll do this kahit hindi ko maxado gamay excel aaralin ko xa...salaamat sa advice sir!:)

Its good that you are realizing this early on -- that you have to save and invest. There are free financial needs analysis forms in the net and excel budget/cash flow statements that you can download.

Check it out in google.


Halftrick

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Reply #14 on: May 09, 2013, 11:32 AM
Its good that you are realizing this early on -- that you have to save and invest. There are free financial needs analysis forms in the net and excel budget/cash flow statements that you can download.

Check it out in google.

yeah..mahirap ang buhay ngayon..,wala pa ko sariling pamilya pero ramdam ko na..what more if i have my own..gsto ko stable n ko before ko pasukin pagpapamilya,.. sure i'll surf the net for that..thanks for ur suggestion mam...ayos!half of our 13th month pay is here rekta banko agad! :watchuthink:


 


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