Do you feel frustrated dahil wala kang savings? 

Does it bother you every time you spend at wala nang natitira sa pera mo? 

‘Yes’ ba ang sagot mo sa mga question sa taas? 

If so, you’re doing the right thing by reading this!  

Ang usapang pera ay mahalaga, Breaker, lalo na ngayon na adult ka na. Alam mo na ang mga responsibilidad mo sa buhay at namulat ka na sa katotohanan na hindi ka kargo ng mga magulang mo for the rest of your life. 

At dahil tayong lahat naman ay nakararanas paano ma-frustrate kung hindi na-ha-handle nang maayos ang pera, tulong-tulong din tayo kung paano ito masosolusyunan.

So, here’s a list of 7 easy tips so you can save money this 2023:

Save Money Easy Tip #1: Check your cash flow and track your expenses.

How much do you earn a month? 

Saan napupunta ang malaking chunk ng pera mo? 

Importante na alam mo hindi lang kung magkano ang na-e-earn mo, kundi pati na rin kung magkano at saan napupunta ang pera mo. Dahil sabi pa nga ng iba, “You can’t control what you can’t measure.” 

You can use a simple “Debit and Credit” method, or In and Out. The debit or in is the amount of money you receive, and the credit or out is the amount you spend.  

Debit (in)	Credit (out)
Sweldo = 10,000	Transpo = 98
Allowance = 1,000	Grab Food = 239
Suhol sa pagbunot ng buhok sa kilikili = 100	Piattos = 29

 

TRACK. EVERY. SINGLE. EXPENSE. 

Kahit piso or centavo lang ‘yan! The goal here is to be aware of your spending capacity, habits, and limits, so you can adjust accordingly. 

May mga expense tracker kang pwedeng gamitin, but for a start, you can take notes using your phone or pen and paper every day. 

Save Money Easy Tip #2: Have a no-spend-day.

Sanay na sanay tayong gumastos, ‘no? 

Then, why not try a no-spend-day, even just for a day within a week!

Mag-stay ka lang sa bahay. Magluto instead na um-order. ‘Wag magpa-deliver. At ‘wag muna gumala, isang araw lang naman, eh.

Ano’ng araw ka ba halos hindi umaalis sa bahay? Maybe you can start with that para hindi ka masyadong ma-overwhelm sa sudden change ng buhay mo.

Save Money Easy Tip #3: Choose only 2 monthly subscriptions.

Having 3 digital monthly subscriptions is a luxury. Dahil kapag nag-accumulate ‘to lahat, siguradong shookt ka sa kalalabasan nito.

May Netflix ka na, may Viu ka pa. Baka pwedeng Netflix lang muna, at hatiin niyo ng friends or family mo ang bayad? 

May Spotify premium ka na, may YouTube pa. Baka pwedeng YouTube lang at tiisin mo lang ang ads?

Kailangan mo ba talaga ang gym subscription, at kung oo, ginagamit mo ba? 

‘Yung bayad mo sa cloud storage… baka panahon na talaga para mag-delete ng alaala niyo ni ex para sa extra storage at ‘di ka na mag-subscribe sa Google at Cloud. 

Alam namin na kokonti lang ‘to, Breaker. Pero kung i-a-add mo lahat ‘yan, naku, makikita mo na pwede ka na palang mag-save kahit 500 pesos a month sa subscriptions na ‘yan. 

And speaking of paunti-unti… 

Save Money Easy Tip #4: Start small.

‘Wag kang ma-intimidate sa word na “IPON,” at ‘wag mo rin hintaying lumaki ang kinikita mo bago ka mag-ipon.  

“What is really more important here is not the amount, but you creating the habit and the system,” FQ Mom Rose Fres Fausto in her interview Money Issues During Quarantine | Paano Ba ‘To with The FQ Mom with Bianca Gonzalez.

Paano mo ba ‘to magagawa? 

READ ALSO: 7 Practical Tips on How to Make Your Dreams Come True – iCanBreakThrough

– Make your coffee at home, instead of buying sa mga coffee shop. 

– Cook your own food instead na mag-Grab food ka at mag-fast food. ‘Di pa naman healthy ‘yan. 

– Buy a tumbler and bring your own water.  

– Bring cash you’re willing to spend during a day out. Kung 300 pesos lang nasa budget mo sa paglabas, dapat 300 lang din ang dadalhin mong pera. 

At bago ka mag-add to cart, tanungin mo muna ang sarili mo kung, “Kailangan ko ba ‘to, or gusto ko lang? Mabubuhay ba ako kahit wala ‘to?”

Start small by cutting unnecessary spending. 

Let your family and friends know that you are serious about this. Dahil madalas, sila rin ang rason kung bakit gastos ka nang gastos, gala here and gala there, panay add to cart and always tempted sa monthly sale.

Alam mo ba ang kaibahan ng pag-si-sale ng bilihin sa US at dito sa Pinas? Doon sa kanila, every major holiday lang may sale, like Thanksgiving, Christmas, New Year, and the likes. Pero dito sa ‘tin? Buwan-buwan! 01.01, 02.02, etc. Naku, beware sa paparating na sale! 

Para maagapan ang ganitong kaugalian, gawin mo ang tip #5. 

Save Money Easy Tip #5: Open a co-op account, or any money account na inconvenient i-withdraw.

Kapag kasi parehas ang account para sa pag-spend at pag-save, ma-te-tempt ka na i-spend ang money na i-se-save mo sana. So, make a boundary between your spending account and savings account. 

O, hindi lang relasyon ang may boundary, ah. Dapat ang pera din. 😉

Choose an account na hindi easy ang pag-withdraw, lalo na kung gusto mo talagang pangmatagalan ang savings mo. By doing this, you become more intentional in saving your money. 

At para mas maging intentional ka pa…

Save Money Easy Tip #6: Treat your savings like it’s a bill.

Kung buwan-buwan may naka-set aside na budget para sa rent, electricity bill, and groceries, dapat may naka-set din na budget for your savings.

Ayaw mo namang maging poorita/poorito pagdating ng panahon dahil wala kang savings, ‘di ba? 

In order to do this, you need to have a budget and stick to it. Ang budget ay ginagawa para maging guide mo on how you can spend your money wisely. 

To keep things simple, you can follow the 10-20-70 budgeting rule.

Income (100%) = Expenses (70%) + Savings (20%) + Tithes (10%)

Of course, pwede mo itong i-adjust accordingly, but we indicated this para may example ka na makikita.

Ang monthly expenses include bills, rent, groceries, at pang-gala mo. That’s a total of 70%. 

Ang 20% naman ay dedicated sa savings mo. Para ‘to sa future mo, or para din sa any emergency that may arise in the future.

Ang 10% naman ay ibibigay mo sa church kung saan ka belong and do this as an act of obedience kay LORD.

Save Money Easy Tip #7: Start tithing.

Syempre hindi mawawala sa equation si LORD. Dahil sa Kanya nanggaling ang lahat, dapat meron din tayong ibalik sa Kanya. 

Actually, hindi kailangan ni LORD ang 10% ng income natin monthly, but He commanded us to do this so that money won’t be the lord of our lives at para na rin maipakita natin na mas importante ang pag-obey kay LORD kesa sa pera. 

Pero ‘di ibig sabihin na wala itong return sa ‘yo, Breaker. Because there’s always a reward when we obey the LORD. Gano’n Siya, eh! He is a good Father who loves to reward His children.

Ang prinsipyo ng langit ay laging ganito: Give, and you will receive more.  

At sabi pa sa 2 Corinthians 9:7 (CEV), “Each of you must make up your own mind about how much to give. But don’t feel sorry that you must give and don’t feel you are forced to give. God loves people who love to give.” 

Hope this article helps you in some way, Breaker! Feel free to message us kung ano ang mga gusto mong topic na i-cover namin. 

And if you want to talk to someone… 

Message us: 0999-227-1927       

Call us: 0931-805-0802.      

Reach out to us:       

iCanBreakThrough Facebook page       

Instagram account       

Email