Savings

[pau-pau]

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Nahan kaayo ko magka savings. Pero wala ko kahibaw unsaon pag start,.Can you please help me? Nahan tah ko naa nako kaugalingon nako tinigom para in case nga maminyo man gani ko (bisan 19 pako run), confident ko sako self.

[Entre_Paul89]

Hi! Pra nako, you can read books/eBooks about financials.

Savings is bad if long term(Para nako lang hap), cuz inflation rate is high. Pro if your trying to save pra imu e Invest after ma reach imu target capital. Then I think its fine. Pro bantay lang jud nga dli ka ma.Hook sa Money, kai kung ma.hook ka. Nah. . . After a year sa imu savings mura ka ug g.kawatan. . . kai imung 50 last year kai dli na pareha ug buying power krun. . .

Write down your goal. Then plan how to achieve that goal. hehehe!

[pau-pau]

Hi! Pra nako, you can read books/eBooks about financials.

Savings is bad if long term(Para nako lang hap), cuz inflation rate is high. Pro if your trying to save pra imu e Invest after ma reach imu target capital. Then I think its fine. Pro bantay lang jud nga dli ka ma.Hook sa Money, kai kung ma.hook ka. Nah. . . After a year sa imu savings mura ka ug g.kawatan. . . kai imung 50 last year kai dli na pareha ug buying power krun. . .

Write down your goal. Then plan how to achieve that goal. hehehe!

Plan ta ko start savings next year, kay this yeart daghan pa kaayo ko need ipay,.niya nahan ko mag start ug save kanang less nako expenses, you think its too late kung January 2015 pako mag start?

[rosygemini]

I think divide ur money. Half of it put s bank since wa pajud ka kbao unsa buhaton and half of it himo ka sideline. Bsag unsa nga feeling nimo mulihok imong money. Dont be afraid to start something u arent too familiar. You will never be wise and have a good decision someday if u dont have experience.

[tiborshito]

Ts for me its never too late to save but f u plan to start saving nxt yr. dn 8s a wrong move.. maybe u can consider and start saving now coz eventualy u wil make it a habit.. And yes dont forget to invest ur money n bzness.. BASED ON MY PERSONAL EXPERIENCE..

[Butitor]

Plan ta ko start savings next year, kay this yeart daghan pa kaayo ko need ipay,.niya nahan ko mag start ug save kanang less nako expenses, you think its too late kung January 2015 pako mag start?

Why next year Do it now. Your excuse is not accepted.

[Entre_Paul89]

Plan ta ko start savings next year, kay this yeart daghan pa kaayo ko need ipay,.niya nahan ko mag start ug save kanang less nako expenses, you think its too late kung January 2015 pako mag start?

Well, for me. . . I dont think kung mag sugod ka ug save krun kai naa syay benefit. I know if you dont have a goal in mind, you cant save. Mura gud ug skwela. . . knang mu take ka ug bsag unsang course then after 1 -2 years kai balhin napud ug lain, tungod kai wla kai goal.

So kung mag.save ka krun then wla kai goal. . . Im sure imu na kuha.an. . . why? simple answer. . . why not? nga wla man kai goal in the first place.

So advice lang. . . make use of your money. Make sure to spend it wisely. Spend it into something that you can use in the future. . . 1 example is knowledge. . . and always use your knowledge pra naa dyun kai realization . . . Knowledge + Realization = Wisdom.

[kenshin2143]

TS here's my take:

From your age I think tama lang nga mag assume nga estudyante ka. I'm still 21 and naga school pud ko and so far my saving is progressive. So you've set up a goal naman siguro kay saving actually is a goal. Just like me, naga save lang pud ko for no particular reason, maybe if magka emergency naa lang makuhaan money.

Anyways intro palang tu. Para sa akoa TS, our life is like a small business, naay income, expenses and all. Try to list down imong income whether allowances, salary or what. Then list also you're expenses, load, food, rent and all.
From you expense list mag cost cutting ta just like a real business.
-Kung sige rakag internet try to minimize
-kung sige rakag paload para sa mgatextmate
- Kung grabe ka makakaon then bawasan lang pud...
- Kung wala paka uyab, then you're on a right track hehe (gastos jud pag naa uyab)
to simplify things up, its all about your lifestyle. Kasagaran man gud karon, lisod magsave tungod sa lifestyle nga grabe kaayo makagastos. Ang pinakaworst nimo nga kalaban sa savings if naa kay bisyo. Kung naa man, then work on your vices first before think of saving.

Lisod jud ni siya nga process kay i alter nimo dapat imong lifestyle pero if masanay naka ani, matingala nalang ka nga dili ka mahutdan ug money and makasave jud ka.
Summing it up, don't save for the sake of saving but change your lifestyle and spending habit so that savings will follow. Mao lang na akong principle in terms of saving.

Note: If naa nakay nasave, invest! mudako jud na hehe...

[rosygemini]

Nahan kaayo ko magka savings. Pero wala ko kahibaw unsaon pag start,.Can you please help me? Nahan tah ko naa nako kaugalingon nako tinigom para in case nga maminyo man gani ko (bisan 19 pako run), confident ko sako self.

Wrong advice diay ko ky saving man diay ni. Sorry ts. Anyways since bata pako hilig nako save2 gud. I started saving my money at d bank w my own daily allowance when I was in grade 4. 40 ko balon ato so giplan jud nako maau. 20 man to ila minimum daily deposit. Ako gibuhat is 20 ra jud ako igasto ky unahon nako hulog everyday ang 20 sa bank. Believe it or not ts when i reached my sophomore stage in highschool i got my first 100k i was 14yrs old back then.

I know ull ask me. How did i do it? Simple. Discipline. Determination in reaching goals. Of ur serious about it no one could tell u, u cant unless ud allow urself.
Theres one thing i never forgot my mom told me. Save first then whatever left spend. start now never later. And lastly, i know its kapoy but always make daily and weekly budget. Goodluck!

[Iamalbertrebs]

Wrong advice diay ko ky saving man diay ni. Sorry ts. Anyways since bata pako hilig nako save2 gud. I started saving my money at d bank w my own daily allowance when I was in grade 4. 40 ko balon ato so giplan jud nako maau. 20 man to ila minimum daily deposit. Ako gibuhat is 20 ra jud ako igasto ky unahon nako hulog everyday ang 20 sa bank. Believe it or not ts when i reached my sophomore stage in highschool i got my first 100k i was 14yrs old back then.

I know ull ask me. How did i do it? Simple. Discipline. Determination in reaching goals. Of ur serious about it no one could tell u, u cant unless ud allow urself.
Theres one thing i never forgot my mom told me. Save first then whatever left spend. start now never later. And lastly, i know its kapoy but always make daily and weekly budget. Goodluck!

well said .... nindot sad jud sugdan ang pagsave samtang bata ba, kay sa panultion pa "pag may isinuksok may madudukot"