3 Important Money Tips For 2022

Ngayong uso na naman ang paggawa ng New Year’s Resolutions, siguradong kasama sa listahan ang  “to save money this 2022”.  Okay naman sana ang listahan pero ang tanong, kaya bang panindigan? 

Para sa marami sa atin na gustong tuparin ang New Year’s Resolution to have better finances hindi lang ngayong bagong taon kundi all year round,baka makatulong sainyo ang tips na ito. 

1. Gumawa Ng Budget And Stick To It 

Simulan mo by listing down all your sources of income versus all your expenses. Then establish a working budget. Ang tototo, budget sa pagkain ang pinakamahirap dito at budget sa shopping. Maybe it is time to stick to an amount this year.  Mainam din ang consistent na paglilista kung saan napupunta ang bawat bawat ginastos mo. By doing this, namomonitor mo kung saan napupunta every peso that you have in your wallet at next time alam mo kung hanggang saan ang limit mo.  

Sa isa sa mga Go Negosyo talks where reputable finance gurus gathered, isang mahalagang tip ang ibinahagi ni Presidential aspirant VP Leni Robredo. Kilala siya at ang kanyang opisina na maliit ang budget pero natitipid nila at napagkakasya. Ang tip niya na pwedeng maging useful din para saiyo, “Save and don’t splurge on unnecessary things. 

Ang pagkakagastusan lang natin iyong mayroong returns kasi kung walang returns ay ipagpaliban muna. Iyong luho pagkakagastusan natin iyon kapag mayroon na tayong extra.” So this year, assess yourself. Alin ba ang mga gastos mo na luho? Bawas o tigil muna.  May mga gastos ka ba na pwedeng may “returns”?  Pwedeng dagdagan at ituloy. Create that budget and stick to it. 

 

2. Set Up A Savings Plan

Depende kung ano ang kaya mo, it is time to actually save this year.  After listing down all the things you spend for and your income in tip #1 and sticking to a budget, you can now find an amount that you can allocate for savings.  Pwedeng weekly savings plan, pwedeng monthly. Depende kung saan ka mas kumportable. Ang mahalaga, start something. Start with as little as you can, the keyword is to do it consistently so you can actually save. Also, according to  Certified Financial Planner Justin Mailhes of Argent Advisors in Monroe you should plan ahead to save money.

For example, people spend money on gifts for birthdays and other occasions such as holidays, by preparing early you can save every week for that already. Aside from putting an amount for your emergency savings. 

 

3. Kung May Utang, Make It A Priority Na Mabayaran Na This Year

Kung may utang ka sa credit card o kung kanino man ,make it a priority to settle this year. May ilang mga kumpanya na dahil sa Pandemic, may mga considerable plans sila na ibinibigay ngayong taon para mabayaran mo ang utang mo. Better to take advantage of it.   

According to Stefanie O’Connell Rodriguez, host of Real Simple’s Money Confidential podcast, “If you have credit card debt, this might be a good time to prioritize getting that balance down as much as possible so you’re not just paying the minimums and subject to higher interest rates on your remaining balance as rates rise”. So bago pa lalong tumaas ang interes at lalo kang mabaon sa utang, simulan mo na ngayon.

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