Improve finances ay isa sa mga skills na dapat matutunan lalo na sa panahon natin ngayon, peru ang tanong paano?
Improve finances needs a little planning and a lot of discipline, and begin making tangible investments in your family’s future…
Tulad ng karamihan meron tayong mga utang na kailangang bayaran and one more thing is for sure ay gusto din natin na may ma ipon sa pag tanda o kaya may maipon man lang para sa emergency.
“I will make my finances grow this year” this sentence always keeps the first line ng ating bucket list every New Year’s eve.
Peru paano ba mapabuti yung finances sa panahon ngayon?
1. Improve Finances By Setting a Goal
A goal is the first step that keeps you on track. It should be inspirational and based on your own values and interests.
What matters most to you? What are you willing to sacrifice in order to make it happen sooner?
What can help you stay on track? Having a goal is important and the first thing that you must do.
2. Improve Finances By Tallying Your Budget
Create a budget to identify the amount of money you have. Keep in mind that it’s easy to over estimate what you can afford if you think of your total salary as what you have to spend.
Don’t’ forget deductions on your basic pay, and flexible spending account allocations when creating a budget worksheet.
Your final take-home pay is your net income, and that is the number you should use when creating your budget.
3. Improve Finances By Paying your Bills On Time
Sometimes you may not have on hand cash to pay a bill by it’s due date but waiting can cost you more than you originally owed.
Make sure you are aware of each company’s policy for late payments. You can save money when you pay bills on time instead of paying extra charges for late payments.
4. Improve Finances By Having A Savings
Put extra money into savings. If you receive a tax refund, deposit it directly into your savings account.
If you get a raise or bonus from your employer, put the extra amount into your savings. If you receive cash as a gift, save at least part of it.
Lastly keep a part of your salary and save it in your bank account.
5. Improve Finances By Buying Needs Before Wants
Do not spend money for your wants before sustaining your needs. This could end you up making credits for unreasonable expenses.
Here are the most basic definitions of a want and a need:
- Need: something you must have to survive.
- Want: something you would like to have.
6. Improve Finances By Having Additional Stream of Income
Wouldn’t it be great if you could have a continuous stream of income deposited into your savings and/or checking account?
Think about it. You wouldn’t have to worry about paying the bills on time or having money to buy groceries for your family.
Kung gusto mong mag add ng ibang stream of income start saving for retirement, college, vacation, etc.,
You can start by having an online business… in today’s world economy, may mga benefit kasi ang pagsisimula ng sarili mong online business lalo na nasa digital economy na tayo!
Benefits of Online Business Include:
- global access, 24 hours a day, 7 days a week
- improved client service through greater flexibility
- cost savings
- faster delivery of products
- more time with your family and kids
- less paper waste
- opportunities to manage your business from anywhere in the world.
7. Improve Finances By Waste Less Money On Food
Jonathan Bloom author of American Wasteland estimate that american waste at least 160 billion amount of foods each year.
To minimize that, he suggest shopping more frequently and buying less on each trip to the store and maintaining an uncluttered fridge so you don’t forget about items that will soon expires.
So there you have it… the 7 ways how to improve finances starting today.
Don’t waste time and money on spending to unnecessary things. Focus on how you can improve finances and grow your savings for the future.
However, if for any reason still not 100% sure kung paano mapabuti yung finances today click here on how to start a profitable online business, escape the rat race and achieve financial freedom.
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