Reasons Why You Are Not Financially Stable?

[Passport]

lisod kaayo mag save TS.. as in lisod jud

[God'sWarfare]

Wa ko magtapos sa skwela, agent ko and the salary will depend on your performance so dili fix ang sweldo, responsibilities so dili kasave..

[ChaosOrb]

kana sigi ug sulti nga dili maka.save because of millions of reasons....puro ra na excuses...kinsa inyong gi.ilad? inyo ra sad kaugalingon.

Maski pila pa na inyo sweldo, if you have the desire to save, maka.save jud ka.

Here's a tip I learned para maka.save.

1. Save at least 20% sa inyong current sweldo. Kung dili makaya and 20%(because of excuses) na hala, 10%.
2. Try to list your expenses. So that you can track where you spend your money. When you have a general information where you spend your money, you will have an idea where to save.
3. Cut-off your spending habits by half. Buying of anything new(shoes, clothes, pants, gadgets) doesn't have to be monthly diba?
4. When buying stuff, think if you really need it before purchasing. Paabta usa ug next sweldo, then contemplate again if you really need it.
5. Start saving NOW! Wala kay lain excuse, if you want to save, save NOW!

[slabdans]

mo likoy perme akong income..kay ako ra usa nag trabaho...maypa cge palit redhorse kay basin ugma wala na koy ipalit

[silent-kill]

nana pud ni problema sa kwarta.... hhehe.

tanaw mo ani nga vid.

5 Reasons Why Most Don't Become Wealthy - YouTube

now the good part... this is how to grow your savings, while still being able to buy things you want.

0. save money
1. Plan your expense
2. Create funds for any project, like: new (CP?, new laptop?, new Car? new House?, manganak imong missis? or you just want cold cash)
- Delay your purchase and let the "fund" work for you, put it somewhere nga mo gain siya interest (lending, COOP, Mutual funds, time deposits?) check the interest rates per month, and calculate how long it would take you to actually afford the item for less or for free.

Example:

Sweldo ka 5k net per month (minus na sa tanan expense)

You want a new CP/laptop worth 40k, you have 200k life savings sa bank, spend your savings? or let it work? by spending damage na dayon ka -40k (8 months worth of savings). 160k nalang imong savings. or let your savings work for you... find a place nga mo interest siya og dako dako.. 8% - (20%+- mutual funds) (10%+-lending) per anum that's do-able.

need: 40,000
200,000 x 8% = 16000 = 40% discount
200,000 x 10% = 20000 = 50% discount
200,000 x 20% = 40,000 =100% discount or FREE!
after 1 year maka afford naka sa imong gusto nga CP for free even with a better specs given nga mo depreciate ang value sa imong item per year, and you still got your 200k savings! + (60,000 money you saved for that year (5k per month))!

3. instead of offsetting your utang (through credit card), i offset imong savings. although credit cards are good, but you should only use your credit cards to buy your small needs, not wants. like: grocery and stuff. if you want something you do step 2.
by offsetting your grocery bills/needs.. you give your money time to earn.

The wrong conception sa mga tao is money can be earned in the future, although its true.. but ultimately you are trading your TIME to gain that money, and you are losing a lot of TIME. and its never coming back.

always remember this formula:

savings = (((money)/(Time)) - (All Expense))

Where: money, and expense can go up or down
Where: time is constant.

respect money = respect your time gaining that cash.

[gcc4426]

monthly bills. i only have 1 cc which is a SM CC, para pang grocery or sa dept store. pro ang dako gyd ug kaon sa akong swldo is akong abang. haha.

though panagsa ra ko mugasto ky dili ko dali maibog ug butang2, pero kung naa koy ganahan jd kau... palit dretso! bahalag gamay na lay mahabilin bsta matuman lang ang gusto.

[Wynna]

dako kog kaon! hahaha

[yaj.em]

ngstart pa ko ug save now.... hehehehe

I can't say na i'm not financially stable, pero dili mn pd ko ing-ana ka datu.
ngkwenta2x na pd ko pila na ako money after two years, ug gusto ko tumanon to. hhehehehh....sana ma-maintain nku ang ako ang amount na ako dapat isave per month

[THE KID]

og mag save ko unsaon man nako ang kwarta?

[hanzo12431]

para nako, credit card is the most unethical way..
if u want to earn,save at least pila imong ma save kada buwan..ayaw pada sa mga suya2x sa mga gadgets,fashion trends,night out,etc..think what's ahead of you positively..
IMO, do a monthly statistics..constant naman jud ng mga bills pero you have to reduce consuming water,electric,cable,and other utilities..a little sacrifice is important..
like i said, if maka kita kag improvement for a few months, kibaw naka mo balansi sa imong financial situation..
basta credit card makalabad sa ulo oi ug naa nalang jud times nga kinahanglanon najud nimo dayon..

sakto gyud... ok rana ang utang basta gamiton sa saktong butang...