How save money?

budgeting-money

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Magandang umaga sa inyo, ano nga ba ang importansya ng pagiipon ng pera?

makatutulong sa iyo na maging ligtas sa pananalapi at magbigay ng safety net sa kaso ng isang emergency. Narito ang ilang mga kadahilanan kung bakit namin i-save: Emergency cushion – Maaaring ito ay anumang bilang ng mga bagay: isang bagong bubong para sa iyong bahay, sa labas ng bulsa medikal na gastos, o biglang pagkawala ng kita

1. Establish your budget

Naghahanap ka ba ng isang madaling paraan upang magsimula? Sa unang araw ng isang bagong buwan, kumuha ng resibo para sa lahat ng iyong binili. I-stack ang mga resibo sa mga kategorya tulad ng mga restaurant, mga pamilihan, at personal na pangangalaga. Sa katapusan ng buwan makakakita ka nang malinaw kung saan pupunta ang iyong pera.

2. Budget with cash and gadgets

– Kung mayroon kang problema sa overspending, subukan ang sistema ng badyet ng sobre kung saan gumamit ka ng isang hanay na halaga ng pera para sa karamihan sa paggastos. At kapag nawala na ang pera, wala na ito.

Learn more about it: https://americasaves.org/blog/1350-how-to-use-the-envelope-budget-system

3. Don’t just save money, save

Mayroong isang pagkakaiba sa pagitan ng pag-save ng pera at pag-save ng pera para sa iyong hinaharap. Kaya huwag kang gumastos ng mas mababa, ilagay ang pera na iyong naipon sa isang savings account upang magplano para sa mga gastusin sa kolehiyo, pagreretiro, o emerhensiya na maaaring mag-iwan sa iyo ng mas mahusay sa pananalapi.

More about it: https://americasaves.org/for-savers/set-a-goal-what-to-save-for

4. Save Automatically

Ang pag-set up ng mga awtomatikong pagtitipid ay ang pinakamadali at pinaka-epektibong paraan upang i-save, at ito ay naglalagay ng dagdag na salapi sa labas ng paningin at sa isip. Bawat panahon ng pagbayad, hayaang ibawas ng iyong employer ang isang tiyak na halaga mula sa iyong paycheck at ilipat ito sa isang retirement o savings account. Tanungin ang iyong kinatawan ng HR para sa higit pang mga detalye tungkol sa kung paano itakda ito. O bawat buwan, ang iyong bangko o credit union ay maglipat ng isang nakapirming halaga mula sa iyong checking account sa isang savings o investment account.

5. Aim for short goals

Gumawa ng isang layunin tulad ng pag-set aside 100 o 500 php sa isang linggo o buwan, sa halip na isang mas matagal na kataga ng pagtitipid ng layunin. Ang mga tao ay mas matagumpay na nagtitipid kapag sila ay nagtatagal ng mga panandaliang layunin sa paningin.

6. Record your expenses

– Alamin kung magkano ang gagastusin mo. Subaybayan ang lahat ng iyong mga gastos-na nangangahulugang bawat kape, pahayagan at meryenda na iyong binibili. Sa isip, maaari mong i-account ang bawat sentimos. Sa sandaling mayroon ka ng iyong data, ayusin ang mga numero sa pamamagitan ng mga kategorya, tulad ng gas, mga pamilihan at mortgage, at kabuuang halaga.

7. Choose something to save for

– Isa sa mga pinakamahusay na paraan upang makatipid ng pera ay upang magtakda ng isang layunin. Magsimula sa pamamagitan ng pag-iisip kung ano ang maaari mong i-save para sa-anumang bagay mula sa isang down na pagbabayad para sa isang bahay sa isang bakasyon-pagkatapos malaman kung gaano katagal maaari mong dalhin sa iyo upang i-save para dito.

8. Decide on your priorities

– Matapos ang iyong mga gastos at kita, ang iyong mga layunin ay malamang na magkaroon ng pinakamalaking epekto sa kung paano ka makatipid ng pera. Siguraduhing matandaan ang mga pangmatagalang layunin-mahalaga na ang pagpaplano para sa pagreretiro ay hindi kumuha ng back seat sa mas maikli na mga pangangailangan. Ang mga prioritizing goal ay maaaring magbigay sa iyo ng isang malinaw na ideya kung saan magsisimula sa pag-save. Halimbawa, kung alam mo na kailangan mong palitan ang iyong sasakyan sa malapit na hinaharap, maaari mong simulan ang paglagay ng pera para sa isa.

9. Start saving early as possible

– Ang pera na squirreled sa mga savings account karaniwang accumulates interes sa isang set rate ng porsyento. Ang mas mahaba ang iyong pera ay mananatili sa savings account, mas maraming interes ang maipon mo. Kaya, nasa iyong kalamangan ang pagsisimula ng pag-save sa sandaling magagawa mo. Kahit na makapagbigay ka lamang ng isang maliit na halaga sa iyong mga matitipid sa bawat buwan kapag ikaw ay nasa iyong twenties, gawin mo ito. Ang mga medyo maliit na halaga ng cash na natitira sa mga interes ng mapagkakatiwalaang mga account para sa matagal na panahon ay maaaring magtipon nang ilang beses sa kanilang unang halaga.

10. Watch your savings grow

– Suriin ang iyong pag-unlad bawat buwan. Hindi lamang ito ay makakatulong sa iyong manatili sa iyong personal na plano sa pagtitipid kundi tumutulong din sa iyo na makilala at maayos ang mga problema nang mabilis. Ang mga simpleng paraan upang makatipid ng pera ay maaaring kahit na magbigay ng inspirasyon sa iyo upang i-save ang higit pa at pindutin ang iyong mga layunin mas mabilis.

What is ‘THE BIG ONE’

‘Everyone must learned from Surigao del Norte from the recent effects of the magnitude of 6.7. If a similar events happens in a highly urbanized area, the effects can be more devastating’ – Phivolcs director Renato Solidum warned. AP/File 

PHIVOLCS warns Valley Fault Resident

The West Valley Fault, Solidum said, moves roughly every 400 years. The last major earthquake generated by this fault was in 1658 or 357 years ago.
The 100-kilometer fault traverses parts of Bulacan through Quezon City, Marikina, Makati, Pasig, Taguig and Muntinlupa in Metro Manila; San Pedro, Biñan, Sta. Rosa, Cabuyao and Calamba in Laguna; and Carmona, General Mariano Alvarez and Silang in Cavite.

Some places experience earthquake as of 8:58-9:00PM (April 5th) with 5.4 magnitude.


According to Inquirer.net ‘A 5.4-magnitude earthquake hit Luzon on Tuesday evening, according to the Philippine Institute of Volcanology and Seismology (Phivolcs).

An earthquake bulletin issued by the agency said the quake, with an epicenter 7 kilometers northwest of Batangas, was felt in different parts of Luzon at 8:58 p.m.

The quake, which was tectonic in origin, was felt at Intensity IV in Makati City and Obando, Bulacan.’

After shock jolt Batangas following strong quakes.

(2nd UPDATE) The Philippine Institute of Volcanology and Seismology (Phivolcs) has recorded more than a dozen aftershocks following the magnitude 5.5 earthquake that rocked Batangas province and other nearby areas Tuesday night.

As of 1:00 a.m., Phivolcs has recorded 17 earthquakes in the area.

A magnitude 4.6 earthquake was recorded at 9:11 p.m., followed by a magnitude 2.5 quake at 9:17 p.m.

A third earthquake at magnitude 2.6 was recorded at 9:26 p.m. 

A fourth, slightly stronger magnitude 4.0 quake was recorded at 10:09 p.m., followed by a magnitude 2.2 at 10:18 p.m. and a magnitude 2.1 quake at 10:26 p.m.

A seventh earthquake at magnitude 4.2 was recorded at 10:38 p.m., followed by a magnitude 4.4 earthquake at 10:44 p.m.

A ninth earthquake at magnitude 3.0 was recorded at 11:11 p.m.

A magnitude 4.5 earthquake was recorded at 11:13 p.m. in Balayan town in Batangas, located opposite Tingloy.

Kristofferson Vidad, science research assistant of Phivolcs’ Earthquake Monitoring Division, said the latest earthquake can still be considered an aftershock due to its proximity to the original epicenter.

An 11th magnitude 2.8 earthquake rocked Tingloy at 11:34 p.m, followed by a magnitude 2.6 earthquake at 11:40 p.m.

A 13th magnitude 2.9 earthquake was recorded at 11:54 p.m, followed by a magnitude 2.4 earthquake at 12:11 a.m. and a magnitude 2.7 earthquake at 12:20 a.m.

A 16th magnitude 2.0 earthquake was recorded at 12:35 a.m. in San Luis town in Batangas.Another magnitude 2.8 rocked Tingloy at 12:40 a.m.

The magnitude 5.5 quake’s epicenter was located 7 kilometers northwest of Tingloy town, Batangas. It struck at 8:58 p.m.

The tremor was felt as Intensity 4 in Makati City and Obando, Bulacan, and Intensity 3 in Mandaluyong City, Quezon City, General Trias and Dasmariñas in Cavite, Santa Ana in Manila and in Lucena City in Quezon.

It was felt as Intensity 2 in Talisay, Batangas, and Pasig City.

Phivolcs describes Intensity 4 as “moderately strong.” It can be felt like the passing of a heavy truck and can rattle wood-framed buildings, the agency said. 

Intensity 3, meanwhile, is described as “weak” and may cause hanging objects to swing moderately. 

Phivolcs said no major damage was expected from the earthquake.

It added that the tremor is not expected to cause a tsunami.’ ABS-CBN News

———–

Malapit na nga ba magkaroon ng THE BIG ONE on following places (The 100-kilometer fault traverses parts of Bulacan through Quezon City, Marikina, Makati, Pasig, Taguig and Muntinlupa in Metro Manila; San Pedro, Biñan, Sta. Rosa, Cabuyao and Calamba in Laguna; and Carmona, General Mariano Alvarez and Silang in Cavite.) Sana ay Hindi manalig lang tayo sa ating diyos at Sana Hindi dumating ang BIG ONE. 

Get to know about Swabeng Shy Guy ng Caloocan City


The search for the next Pinoy boyband is on as Pinoy Boyband Superstar finally premiered last weekend on Philippine TV!

Guys from different parts of the country will try their luck in hopes of becoming a part of the next boyband idols!

To get to know more of the contestants, we’re featuring each one of them here on MYXph.com!

First up on our list is Allen Cecilio – the very first auditionee to score a YES from superstar judges Aga Muhlach, Yeng Constantino, Sandara Park and Vice Ganda!
Did you know who is his inspiration? No other than her parents yes his parents Pat Cecilio and Lory Cecilio 

(His twin brother, Peter Iverson)

(His parents Pat and Lory Cecilio)

(His sisters and her mother in the middle)

His all-time crush? It’s Liza Soberano

His dream to be leading lady? Loisa Andalio

His siblings? Eunice Cecilio, Princess Cecilio and his twin Peter Cecilio

His whole name? Paul Allen Cecilio

His birthday? February 27,1999

His hometown? Caloocan City

His zodiac sign? Pisces 

A movie he can’t forget? Leap Year

Ultimate Life-goal? To be a architect 

He think he’s best at? Dancing

Favorite Musician? Yeng Constantino 

Favorite Sport? Badminton

Something I’m crazy about right now? I want to eat shingaling 

Most romantic thing I’ve done to someone? Giving letters to someone special.

_Credits to all the owners 😁