Mocha's Collection

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, 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…

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