2015 Savings & Investing tips

[CAPTAIN NAUTILUS]

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New Year na mga sirs, ganahan unta ko maminaw sa inyong mga advice on savings and investing tips.

[firestarter]

Spend Less, Keep more.

[blackwimer]

New Year na mga sirs, ganahan unta ko maminaw sa inyong mga advice on savings and investing tips.

not just save but plan for your future. i can help you on that. i am a financial adviser.

here's my number 09257773063

[CAPTAIN NAUTILUS]

not just save but plan for your future. i can help you on that. i am a financial adviser.

here's my number 09257773063

Unsa nga financial institution sir?

[medwarc]

New Year na mga sirs, ganahan unta ko maminaw sa inyong mga advice on savings and investing tips.

Here's what I'm practicing bro:

For savings:

1) apply the savings formula which is Income-savings-tithes(for the believers)=expenses
2) avoiding impulse buying by passing 3-4 days. with that days, my mind is already cleared if the thing/s I'm buying is a need or want

For the investment:
1) just investing regularly(monthly) in my investment such as mutual fund and longterm healthcare(which I'm fully paid already last dec 2014).

Maka addict sad ning mag invest na. Mura na syag part na sa ako monthly routine.

[makie29]

Here are my tips/insights for 2015..

[1] Be very strict in developing that habit of saving and investing. It would be very tempting to spend more these days because technology is evolving fast. Meaning dali kaayo modepreciate ang mga gadgets then almost every month naay bago mogawas. Ayaw padala anang uso-uso but rather focus more on building up your savings and investments. Take advantage pud while ubos ang presyo sa gasolina/krudo. Save what is left.

[2] Financial products are evolving as well. Be keen in searching what are the investment opportunities out there. Don't limit yourselves in "what we're used to do investments" such as starting a business or putting money in the bank (special deposits or SDAs) which isn't investing in the first place. Mutual fund companies are popping out, stock brokerage firms are expanding and the even the PSE will be distributing bonds in the future. Going further, naa na puy mga bangiitan nga mga investors/traders who are setting up their own private asset management firms. Take advantage of these opportunities because they are far better than what banks can give you.

[3] Everything will most likely go to waste if you won't invest in knowledge. Attend financial literacy lectures (even if naa pa nay bayad) organized by RFC, RFP and other credible groups and speakers. Buy and read books and probably the most practical thing to do is to take advantage of the internet. Daghan kaayo ug libre sa internet. Think of this. If you're not willing to learn, you're not deserving to succeed. If you're financially educated, di pud ka dali mailad.

[4] Align yourself with financially literate people. Kung gastador imong mga kuyog, maybe start to de-influence yourself from them. Pangita ug kuyog sa mga tao nga conscious sa ilang finances because your environment really helps and influences you a lot. I'm not saying gna ayaw na ug gasto but rather, spend wisely. Kung di kaayo kinahanglanon, ayaw sa ug gasto and put that money into savings and investments.

[5] Lastly, make it a goal to start saving or investing. If wala pa kay insurance, get a life insurance policy and understand what it is for. Daghan na kaayo ug investment firms diri sa Cebu and you can visit them one by one to see kung unsa ba gyud ang best nga tan-aw nimo. Kung insurance, daghan kaayo ug insurance companies diri sa Cebu. Kung mutual funds/UITFs, daghan na pud kaayo. And the good thing is, you can go directly to them.

[cebu.opportunities]

So far, mao pani

1. Be disciplined.
Set goals and objectives.
Spend and invest wisely.
Spare some. (Emergency/Buffer Funds)

2. Be versatile. (Ride the Trend)
"Change" rmn daw ang only constant so with this, we must learn how to be versatile kay dynamic jud ang tanan.
Last 2014, the moment pag ingon nako nga na stable2x na ang gi venture pag early 2014, niabot ang possibility na ma washed out diay to tanan. pwerting kurata nako ato oie and niandar ako depress2x mode. May gani kalma ra and wa nag desperate move, so na recover ra tanan. Since then, ga sige nako encounter og something "new" or kana wala kaayo ma anticipate.

Tungod ani, our goals and objectives kay flexible sad.
Reach your goals and objectives with proper prioritization.

3. Be educated.
Explore mga investment instruments.
Daghan njud kaayo options and emerging choices.
As I'm trying to focus sa duha ka active "businesses", naa nasad ni emerge nga trading nga I'm trying to avoid pero nisamot na hinuon ko ka curious, haha. It's similar with forex trading where you can earn when it's going up or down but imo "prediction" kay dapat mas accurate and timed. same TA indicators pwede gamiton pero ambot if unsa ang suitable pra ato. Dugay naman siguro ni available sa market but gina-deadma lang nato.
Anyway, pangita what suits you best. unsa nga type of investment, timeframe (short term/ long term), investing or trading, firsthand or ny mohandle for you, etc.

4. Try/Act/Do It.
Daghan man financially educated but conservative kaayo, mahadlok mo take risk, ganahan sa ila comfort zone so ang ending didto ra sa naandan. Ang result kay Slow/ No progress. Knowledge will just be dead, daghan assumptions and doubts mo arise if it won't be put into action. Even though facts may be presented to you pero subconsciously, they will be treated as theories sato mind.

If naay naka-catch sa imo attention, do more research and figure out unsaon pag come up og calculated risks.


5. Don't Live in Regrets. Learn from your "mistakes".
As the saying goes, "Failures/Trials can either Break or Make you". (in-ana nga thought; not fond of memorizing authors)
With these problems, innovative ideas and improvements will arise.
Don't cling on sa negatives but analyze what betterment it could bring.

[SuperCrunch]

live simply, read thoroughly and invest wisely

[jheyar]

Financial education - take time to learn by reading books, attending seminars, reading financial blogs. Investing in these area will really help you in your financial goals in the future.

Savings- If you dont have started saving money at all, it very important you develop the habit of saving money. as a rule at least 20% of youf income.


If you need more help you can pm i'm a financial consultant and my services are for FREE. 24/7 customer service..

[callsyn_bigbird]

Aside sa imuhang current nga job sir, pag create pod ug passive income. Do you research pod kun unsa nindot nga passive income para sa imuhang hard earned money. If ganahan ka mag invest sa stocks, I can surely help you. I'm an agency partner sa AXA life. Before mi ni partner ani nga company kay nag research sad jud mi ug ayo and I suggest you do the same. If interesado ka nga magka istorya ta sa details, here's my contact number: 0927 636 9410.