How to Live Well in the Now while Securing Your Future

 

Kakadeprive mo sa sarili mo kasi sinesave mo lahat ng enjoyment para sa future, pero di ka na umabot sa future. Save for the future while enjoying now. Paano?

 

1. Understand your Cashflow

Learn your current spending patterns and habits para alam mo kung paano ka mag-aadjust. Mahirap pagkasyahin ang budget kung nag-overspend ka na the previous week. Mas lalo ka pang mahihirapan mag catch-up kung nag-overspend ka na mahigit isang buwan.

 

2. Decide on your YESes and learn to say NO

You'll realize na di mo pala dapat dinedeprive sarili mo kasi may mga NO ka palang nakakatulong para matupad mo yung mga big YESes mo.

 

3. Automate your savings

Matic na dapat ang savings bago pa man ang wants. Start separate accounts for each goal. This way, di ka maooverwhelm at matetempt gumastos every time you see your spending account. Bills first, savings second, and the rest is up to you.

 

4. Limit your Monthly Bills

Habang lumalaki bills mo, nalilimit naman mga present and future spending bucket mo. Kaya kung kayang bawasan ang loans on top of your existing monthly bills, do it!

 

5. Plan for spontaniety

Ironic man pakinggan, pero possible siya. Allocate a fund for your spontaneous spending. This way, di mo magagastos yung savings mo kasi may outlet ka na for your spur-of-the-moment and impulsive purchases.