12/08/2022
TOP 3 BUDGETING METHODS NA SWAK PARA SA LAHAT
by SIR CHINKEE TAN 💁🏻♂️
1. 50/30/20 RULE
Isa sa best tips sa budgeting is to KEEP IT SIMPLE.
Kung first time mong mag-budget, don’t 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:
Let’s 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, ‘yun lang ang iipunin natin.
Kaya sa halip na Income – Expenses = Savings…
Baliktarin natin ang formula.
Gawin nating Income – Savings = Expenses.
Ganito ang sinasabi sa ‘Pay Yourself’ Method.
In short, save first before spending.
Example:
When you get your salary (let’s 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 mo…
You can start budgeting it by putting them into their respective envelopes.
Voila – a quick and easy way ng pagbabadyet ng pera.
Budgeting is not that hard.
As long as may method ka na MABILIS at SIMPLENG gawin.
Kaya mo yan 🙏💪
