11/08/2022
TOP 3 BUDGETING METHODS
NA SWAK PARA SA LAHAT
1. 50/30/20 RULE
Isa sa best tips sa budgeting is to KEEP IT SIMPLE.
Kung first time mong mag-budget, donโt try to overcomplicate it.
One good technique is to follow the 50/30/20 rule.
Using this method, you would divide your earnings as follows:
Needs = 50% (Food, shelter, utilities, insurance, education, etc.)
Wants = 30% (Shopping, hobbies, dine-out, travel, etc.)
Savings = 20% (Short term and long term, emergency fund, investments, etc.)
Example:
Letโs say ang sweldo mo ay 15,000 a month, ganito ang kalalabasan ng budget mo:
Needs = 7,500 pesos
Wants = 4,500 pesos
Savings = 3,000 pesos
2. PAY YOURSELF METHOD
Nasanay tayo na kung ano ang natira sa sahod natin, โyun lang ang iipunin natin.
Kaya sa halip na Income โ Expenses = Savingsโฆ
Baliktarin natin ang formula.
Gawin nating Income โ Savings = Expenses.
Ganito ang sinasabi sa โPay Yourselfโ Method.
In short, save first before spending.
Example:
When you get your salary (letโs say P20,000), save a portion right away bago ka magsimulang mag-budget.
Ideally, around 10-20% ang ikakaltas mo at directly mapupunta sa savings.
This method is to ensure na hindi ka maze-zero balance every month.
3. ENVELOPE SYSTEM
Kung gusto mo ng manual approach sa pagbabadyet, pwede mo itong gawin.
Basically, all you have to do is kumuha ng envelopes;
Maglagay ng specific labels (Renta, Gas, Groceries, Bills and so on)
Kapag nakuha or na-withdraw mo na sahod moโฆ
You can start budgeting it by putting them into their respective envelopes.
Voila โ a quick and easy way ng pagbabadyet ng pera.
Budgeting is not that hard.
As long as may method ka na MABILIS at SIMPLENG gawinโฆ
Available na din ang COD payment thru SHOPPEE ang mga BEST SELLING BOOKS natin.
To order check out this link : https://tinyurl.com/yc565prc
