Ano-ano ang mga lessons about money na natutunan mo during the COVID-19 pandemic?

Natutunan mo na ba siyang i-let go after mo ma-realize na hindi siya para sa ‘yo?

‘Wag na kasi mag-comment sa story niya kaya napapahamak eh.

Chos! Lessons about finances nga pala ‘to. Wag ka mag-alala, hindi ka naliligaw.

Seryoso na tayo.

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Grabe this! For the span of 5 months (Oo, 5 months ka ng quarantined!), you have probably done a lot of muni-muni kung paano binago ng crisis na ‘to ang buhay mo especially in the area of finances.

Suddenly, na-realize mo kung gaano ka-essential ang saving, budgeting, investing, and so on, na dati mo lang isinasantabi kasi mas masarap bumili ng milktea at manood ng sine kasama si girlfie or boyfie.

Pero hanggang “realize” na lang ba?

Mas okay sana kung ia-apply natin sa tunay na buhay, friend.

Why don’t we take a step back muna and look at the financial lessons na natutunan natin from the pandemic?

1. Pagtuunan nang pansin ang emergency funds.

Kung dati petiks lang, now it’s different. Who would’ve thought na mangyayari ‘to, right?

Some of you are unemployed and looking for work or got laid off or kung may work ka man, tomorrow is still not promised because hindi mo naman alam what’s going to happen next.

Hindi naman sa tinatakot ka ah but it is better to be prepared and ready any time magka-emergency para less worry ka rin for your family.

So, how much dapat ang need ipunin?

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“The right amount for you depends on your financial circumstances, but a good rule of thumb is to have enough to cover three to six months’ worth of living expenses,” says Margarette Burnette in her article Emergency Fund: What It Is and Why It Matters in NerdWallet.

Pero kung hindi pa talaga keri mag-ipon for emergency fund kasi, let’s say, naghahanap ka pa lang ng work and sapat lang ang hawak mong money today pambayad ng daily expenses mo.

Just start when you can and as soon as possible kahit maliit na amount lang muna then build your way up.

2. I-level up ang pagiging madiskarte.

Kung naghahanap ka ng confirmation kung ibebenta mo na ‘yang products mo online, push mo na ‘yan, friend!

“This is when you need to realize that diversified income sources can help a lot in times of crisis. When one door closes, you still have other options to keep money from coming in,” says GoBear in their article 8 Money Lessons You Can Learn from the Quarantine.

Aminin mo, this pandemic stretched your mind na mag-isip nang iba pang pagkakakitaan bukod sa job mo ngayon.

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Pero hindi lang naman pagiging online seller ang pwede mong gawin, you might want to use this time to learn another skill.

“The lockdown is a great opportunity to learn other things that might get you into lucrative gigs even after you face the new normal,” GoBear continued.

3. Insured ka na ba?

Hindi ka namin inaalok ng insurance ah, pero importante kasi ‘to eh.

“Make sure you have your Health Insurance and HMO in place, as well as your Life Insurance. You don’t really know when you’ll need to use them, but it’s always better to have them than to find yourself without protection and with big bills to pay,” sabi ni Kyla Rivera Soong, financial advisor, in her video Money Lessons This Pandemic.

Baka time na para balikan mo siya, este, ‘yung friend mong financial advisor na nag-share sa ‘yo how important it is to be insured.

But beware lang dahil uso na rin ang scams, so what you can do is to do your own research 1st bago ka kumuha, okay?

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Ano, friend?

Na-recall mo na ba ang mga financial lessons na ‘to? What are you doing now to apply them in your life?

Comment mo na ‘yan below! If ngayon ka pa lang magsta-start, we’re glad we could help you!

Actually, hindi lang ‘yan ‘yung mga lessons na natutunan natin about finances this COVID-19 crisis eh. Marami pa and ikaw for sure, meron ka ring personal learnings. Share mo rin sa amin ‘yan by dropping your comments below and let’s learn together.

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