FINANCIAL MANAGEMENT FORMULA - PART 3

FINANCIAL MANAGEMENT FORMULA - THE 100/ 20/ 10/ 70
BUDGETING TIPS:
KUNG MOSULOD KA SA MALL KY MANG GROCERY PAGDALA UG LISTAHAN SA IMONG PALITUNON. KAY KUNG DILI KA MAGDALA; MAG PATAKA RA KA UG PUNIT BISAN DILI APIL SA IMONG BUDGET.
GA PLANO MO MAG SUD-AN UNTA UG BEEFSTICK, NIAGI KA SA KOSMETIC, NAKAKITA KA UG NINDOT NGA LIPSTICK IMO DAYON GIPALIT, SHORT DAYON IMUNG BUDGET.
THIS IS THE
FINANCIAL MANAGEMENT FORMULA - 100/20/10/70
100% - 20,000 YOUR MONTHLY INCOME
20% - 4,000 SAVINGS - SAVE FIRST BEFORE SPENDING
10% - 2,000 EMERGENCY FUND
70% - 14,000 YOUR EXPENSES - YOU SHOULD LEARN HOW TO BUDGET THE REMAINING 70% OF YOUR INCOME.
Note: If you are a Christian disciple take first what is belongs to God.
BUDGETING:
-DO NOT LIVE BEYOND YOUR MEANS
-MAKE A LIST OF YOUR EXPENSES
-REMOVE THE UNNECESSARY EXPENSES
-LOWER DOWN YOUR COST
SELF DISCIPLINE IS THE KEY:
KUNG GA INCOME KA UG 20,000 A MONTH, UNYA WA NIMU NA MA BUDGET, MOINGON DAYON KA UG KULANG RA KAAYO. SO MANGUTANG KA UG BALIG 5,000 KAY BAYRAN RA NIMU NEXT SWELDO.
MAO NI TAN-AWA - ANG IMONG SWELDO NEXT MONTH 15,000 NALANG ANG NAHIBILIN KAY IMONG IBAYAD NG 5,000 SA IMONG GIUTANG.
NOW, WALA GANI KAIGO NIMU ANG 20,000 MAONG NAKAUTANG KA UG 5,000... SAMOT NA NGA DLI KAIGO NG 15,000 NGA NAHIBILIN.
DAGHANG TRABAHANTE INIG-ABOT SA ILANG SWELDO - D.O.A 'DEAD ON ARRIVAL'. KY NAA SI BOMBAY, SI TORKO, SI 5-6, SI P.O, SI LENDING, SI LISTAHAN SA BALI, SI HOME CREDIT... ETC.
UG DINHI NA MAGSUGOD ANG PROBLEMA SA FINANCES.
MAG SEGI NA KA UG PANGUTANG KAY DILI NAMAN GYUD PAIGO IMONG BUDGET.
MAONG MOABOT ANG PANAHON KUNG DILI NIMU DISIPLINAHON ANG IMUNG KAUGALINGON NGA
"SPENDING HABIT" - MAPUTOS KAS UTANG.
MAKUYAWAN NAKA MO MATA SA BUNTAG KAY BASIN NAA NA POY MANINGIL, MAHADLOK NAKA MOBASA UG TEXT MESSAGE KAY BASIN UG ANG MANINGIL, MAKUYAWAN NAKA KUNG MO RING IMUNG CELLPON KY BASIN ANG MANINGIL, MAHADLOK NAKA MOLAKAW KAY BASIN MAKATAGBO NIMU ANG MANINGILAY.
HANTOD MOABOT ANG PANAHON NGA IPAMALIGYA NA NIMU TANAN NIMUNG KABTANGAN UG KAHAYUPAN:
BAKA
BABOY
KANDING
KABAW
MANOK
IRING
IRO
RABIT
BUWAK
KAANG
CALDERO, KAHA
PLANGGANA, GALON
BALDE, KABO,
LINKURANAN, LAMISA
TAGJAW, BARIL
SUNDANG, LAGARAW
KOTSELYO, TAPARAN
PLATO, KOTSARA
BASO, PITSEL
TASA, YAHONG
REF, WASHING MACHINE
TV, ELEC.FAN
GASOL, KALAN
CELPON, LAPTOP
SOFA - UG UBAN PA NGA PWEDI NIMU MA KWARTA.
PERO MAO NI TIMAN-E, PROBLEMA KAAYO NI... APAN WALAY PROBLEMA NGA DILI MASOLBAD.
"LABAN LANG"
BASTA AYAW LANG GYUD PANGIS-SCAM.
AGAIN - AYAW LANG GYUD PANG SCAM SAMA SA GIBUHAT SA UBAN.
YES, PWEDI ANG TAWO MODATO PINA AGI SA PAG PANG SCAM - PERO ULAW KAAYO NA NGA SA PANAN-AW SA UBAN DATO KA PERO SCAMMER DIAY KA.
IN OTHER WORDS MATOD PA NI C.T -
"FAKE RICH".

FINANCIAL MANAGEMENT FORMULA / 100 - 20 - 10 - 70 FORMULA
Financial success is simply putting forth consistent financial effort so that you're in a better financial place than you would have been without that consistent effort. Nothing else matters, because there's nothing else you can really control.

Financial success, on a holistic level, is about more than just accumulating money and being financially stable. Success, for most of us, fosters a sense of well-being and peace-of-mind. Setting goals on the foundation of what is important to you and your family will help to accomplish this.

How do you achieve financial success?
Establish goals and commit to financial planning. ...
Analyze and determine your net worth. ...
Become financially successful using a budget. ...
Pay off debt and build credit history. ...
Spend less than you earn. ...
Create an emergency savings fund. ...
Get insured against catastrophes. ...
IRAs and retirement accounts.