A healthy relationship with money isn’t about having a lot—nasa tamang paghahawak ‘yan.
Money doesn’t have to be a source of anxiety. Depende sa paggamit at pag-handle mo, pwede maging dahilan ng stress o happiness mo ang pera. But with the right approach, you can make money work for you and not the other way around.
Here are some practical tips to help you develop a better relationship with your finances:
Track your spending.
Know where your money goes. Use an app like Lista and watch each piso add up!
Set realistic goals.
Dream big, save BIG! Importanteng inspired at motivated ka to go after what you want in life. Pwede kang magsimula sa maliliit na goals, tulad ng out-of-town vacation or a new phone.
Budget, budget, budget.
Plan your money moves! Kung hindi, mas lalo mo lang kukumplikahin ang buhay mo dahil maya’t maya lang ang pagwawaldas mo. ‘Di mo naman kailangan maghigpit kaya siguraduhin mong gumawa ka ng budget plan that lets you have fun, too.
Pay yourself first.
Pay yourself first kada sahod, before splurging of course. Save 20-30% portion of your monthly income; mas madali kung naka-auto debit na ang ipon from your payroll to savings.
Educate yourself.
Whether this is in the form of discussing money problems with friends, reading books, attending seminars, or listening to podcasts, the more you learn, the more confident you’ll feel about managing your money.
Resist impulse buying.
Spend mindfully and always choose needs over wants. ’Wag kang magpapadala sa peer pressure o sa nakikita mo sa TikTok o social media!
Cut back on debt.
Tackle those loans, ASAP. Pwedeng through snowball method o avalanche, kung ‘di talaga kaya ng monthly salary. Ibang klaseng stress ang dulot niyan sa’yo lalo na kung sobrang baon ka na sa utang.
Treat yourself!
‘Pag nagawa mo na lahat ng ‘to, you deserve to treat yourself! Enjoy the fruits of your smart spending.
Taking control of your finances is a journey, but these steps can help you develop a more positive relationship with money. Start small, stay consistent, and enjoy the peace of mind that comes with it!
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