How old are you? And how much is your savings na?

[tonickz_sunz]

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in-ana pud ko bro few years ago, naghimo ko format sa income, roll-over and growth table pra sa business. ang aim ato is pila ang approximate conservative growth man, inclusive of margin of error na pero niabot man gyud ang time nga kapoy og update labi na di na siya mo conform sa actual setting. Tapolan man gud kayo, ang function/formula lang ang complicated kayo pra kas-a butang, moditso na dayon compute tanan, hehe

last july, nag sige na kog revise kana mo fit na gyud sa actual setting. daghan sad nahimo pero ny uban complicated ra kaayo and finally nakakita ra gyud kog comfortable format. The key is to make everything simple yet ma covered tanan areas nga imo ganahan i-monitor. karon, makita na ang performance sa individual accounts, per target area and over-all performance of all accounts.
na cater ang capitalization, "expenses", profit, growth sa assets sa kato nga line of business, receivables and "balance sheet". so far, nakalahutay pa og update hangtod ron and daghan pako ganahan i-add, hehe.

mas nindot gyud if nakalista gyud tanan ky makita gyud nimo ang progress or standing sa imong business or goals.
kapoy update but it really pays off. diha pud nako nakita how huge the risks nga ako gi take mga 2 years ago, no wonder wa nagdugay, hehe. karon, super conservative na siya as compared before pero promising ang growth rate. Pero dapat gihapon ma cautious sa field na mismo ky daghan unexpected na mga butang that may slow down the pacing sa growth.

naa pud ko'y separate lists sa expenses via credit cards, issued checks, otc's pagbayad ranging from utility bills to investments to leisure, hehe... pero sa notebook ra nakasuwat. nindot jud naa guide ky pra ma reminded ka sa mga bayrunon. lisod na kaayo timaan2 lang sa kadaghan hunahunaon. this can really help a lot nga wa ky ma miss og bayad, di ma penaltihan and ma chargan interests and ma waive pa gyud ang annual fee sa credit cards ky maigo sa ilang minimum annual amount spent and makita nga good ang standing.

oftentimes, ato ra ibaliwala ang mga gagmay nga mga butang pero diha baya nag sugod ang tanan. I-pile tanan small things and makita gyud ang significant difference.

hahah murag complicated ra kau imoha monitoring bro da... for businessman na kaau... hehehehe akoa ky enough lng gud na naay tables and graphs for income is expenses as well as Assets vs Liabilities... ma-inspire mn gud ko mkkita sako networth na in increasing trend and pirme ma-hit akong monthly target (short term goal) then naa pod ko goal after 6 months.. nahan rako ishare ni ky hyper na kaau ko sako financial planning... naa koy sudlan pohon na mga investments mao ngsave ko karon... now, focus ko karon ug study and plan sa akong sudlan pohon, ... using 6P (Proper Prior Planning Prevents Poor Performance).

[cebu.opportunities]

hahah murag complicated ra kau imoha monitoring bro da... for businessman na kaau... hehehehe akoa ky enough lng gud na naay tables and graphs for income is expenses as well as Assets vs Liabilities... ma-inspire mn gud ko mkkita sako networth na in increasing trend and pirme ma-hit akong monthly target (short term goal) then naa pod ko goal after 6 months.. nahan rako ishare ni ky hyper na kaau ko sako financial planning... naa koy sudlan pohon na mga investments mao ngsave ko karon... now, focus ko karon ug study and plan sa akong sudlan pohon, ... using 6P (Proper Prior Planning Prevents Poor Performance).

income and expenses
Assets vs. Liabilities
pang BIR kaayo sir, hehe

Actually, mao na ang kuwang sa ako tables. kana pang BIR nga format pra sayon nlng. Then, remarks, reports, etc.
Though kuti gyud to siya ky naa man mura inventory style (tanan list sa individual accounts), unya inventory per area, then another for summary njud sa tanan.
katong uban, la nako naghimo og graph. makita rmn gud sa figures per month (summation per month and up-to-date) so makita gyud ang growth. mata2x nlng og kwenta, hihi. or let's say, bana2x nlng, wa na gyud gi convert og percentage or in graph form.

wa gyud na nag-follow og saktong format sir ky layo ra kaayo akong course nahuman sa commerce, accounting, business management or other business related courses. na timingan ra nga ganahan og simple math and maka-play rmn ta sa excel or makuha ra ang formula nga ato ganahan i-set-up per cell.

5 years ni ako sir then either every quarter or semi-annually, nako'y hinayhinayon integrate new ideas and revisions ky daghan pa kayo di pwede ma apply sa karon man. if okay gani dagan, then, proceed ko sa mas taas nga goals which is another 5 years for "feasibility study" kana if ma launch ky maka attract sa financially literate. katong 5 years nga feasibility study ky for those learning pa or kana wai time to learn. Aim high and don't limit yourself but be cautious also. So far, happy with the results. pero kana nga goals ky subject to change pa sad ky minyo na guro ko ana. submit ta's bana. Maybe, ipa in line sa iyang goals pud pra mahimong among goals na, hihi.

[april052009]

Akong savings karon medyo nigamay kay naa koy chix giimingan. Musaka ra ni pag ma basted.

haha! bisyo na ang chix sir

[pt_inr]

Kargado na man OT dri. Tsk tsk

[hyunniesbeannie23]

I've been working fulltime before in a BPO companies handling financial accounts with high salary and benefits but still not enough to get savings. I've been thinking for awhile and trying to compute my salary and how much I can save after 30 years of that kind of income but it only give me a minimal amount not sufficient enough. One of my friend asked me to try and attend forex seminars I slike the market and started to invest and now I doubled my investment. you might wanna check it you can attend upcoming seminars.

[1Mig]

Mga sir mobalik ko sa first reply sa thread ha..Im 27 yrs old and 80k ra ako savingsmy assets are 2 motorcycles worth 180k and cellphone worth less than 20kbusiness minded man unta ko pero di man jud ko makasugod kay bz sa work hehehe

[Kaycee!]

Age: 30/Single
Savings: 10k in cash
Tangible Asset: 141 Sqm lot (5 years to pay with 30k downpayment-mag monthly ko ug 6k - 2 years nlang ako na), Fury R Motorcyle, Gold Jewelries (Worth 70k if i-prenda), Gold Minted Coins (worth $1800), Aircon, Laptop, PC, Tab, Altec Lansing Speakers, Aquarium (w/ Red Tail Catfish (1feet), Red Pacus, Red-ear turtles,etc), Digicam (Olympus ug Sony).

I rent my own room at 3.5k a month plus korente nga 2.8k(tungod sa aircon ug pc). I work in a callcenter since 2007. Fully disciplined ko sa wla ko kasuway tingbits (lol)..I also give my parents 4k-5k taga sweldo..

Thanks kaayo ani nga thread because I just noticed daghan naman diay ko napalit nga assets pero feel nko pobre gihapon ko.. Lets make this world a better place guys! We are the yuppies who will become the ruling class soon!

[Leeyan21]

Age: 21/Single
Savings: 50k
Tangible Asset: Cellphone,Laptop,netbook ... hmpp.. Baboy/Kabaw naa sa probinsya...(pwd i apil?). hahaha

[missingyouso]

nakalimot ko sa akong goal dah. pwerte nakong waldas waldas the last six months. wa koy na-save. nanambok gud ko sige kaon. nakuhaan pud akng savings.

maayo diay nibalik ko ani nga thread para ma-encourage ug ma-focus ko. daghan manghud pa nako mas dako na ug na-save kaysa nako. cge balik ko save. end of the year, hopefully mabawi nako akong nawala nga savings

[quantuminplus]

nakalimot ko sa akong goal dah. pwerte nakong waldas waldas the last six months. wa koy na-save. nanambok gud ko sige kaon. nakuhaan pud akng savings.

maayo diay nibalik ko ani nga thread para ma-encourage ug ma-focus ko. daghan manghud pa nako mas dako na ug na-save kaysa nako. cge balik ko save. end of the year, hopefully mabawi nako akong nawala nga savings

That's good.....