How to Budget Your Monthly Income?

Naranasan mo na ba sumahod, pero after ilang araw lang ubos na parang magic. Solution? Proper Budgeting.

Pay your tithes = 10%

Matthew 6:33Seek first the kingdom of God & his righteousness and all these things shall be added unto you

Put God first. 10% ng sahod mo dapat ibabalik kay Lord dahil sabi sa Malachi 3:10 :

Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this,” says the Lord Almighty, “and see if I will not throw open the floodgates of heaven and pour out so much blessing that there will not be room enough to store it.

Sabihin nating ang sahod mo ay Php 12,000 x .10 = Php 1,200 per month, yan ung tithes exact amount pero depende sayo kung susundin mo, magkaiba kasi ang tithes sa offerings kung magkano lang yung kayang ibigay pwede na. 

Yan ay may kalakip na pangako ng Diyos na sa iyo yun kung maniniwala ka sa salita niya. 

Savings for the future = 20%

Computation: Php 12,000 x .20 = Php 2,400 per month.

Imagine if ma-save mo yan for 12 months that will be Php 28,800. Maliit ba? Hayaan mo akong imotivate ka for the next 10 years. Kung ipagpapatuloy mo ang pag save for 10 years magkakaroon ka nang Php 288,000. And let’s say di mo napigilan sarili mo at nagastos mo ung 50% meron ka pa ring  Php 144,000. Not bad and take note wala pang interest yan ah, magagamit mo na yan para makapag simula ka ng maliit na negosyo at palakihin mo.

“It’s not how much you EARN, It’s how much you SAVE from what you earned”

Ang savings ay pang long-term, hindi pang upgrade ng cellphone, laptop, lifestyle etc. Remember your goal is “to be rich and not just look rich”.

Magsasave ka para sa future, para pag dumating yung time na hindi mo na kaya magtrabaho you can let your money work for you pwede mo ilagay ung pera mo sa mga financial instrument like stock,bonds,UITF’s etc. Or if open ka na ang business mo ay lugawan, uling, computer shop, wet and dry store buy and sell, remittance, travel and tour agency, atbp. 

Pag nakaipon kana wag mong gagastusin yun, gamitin mo yung naipon mo para makapag create ka pa ng additional source of income, paikutin mo lang hanggang sa lumaki yung business mo. 

Wag maniniwala sa mga quick rich scheme di ko nilalahat pero karamihan sa mga yun ay SCAM dun na tayo sa slowly but surely. Huwag mong hahayaan mawala ang perang pinagpaguran mo. There is no overnight success.

Responsibilities and needs = 60%

Computation: Php 12,000 x .60 = Php 7,200

Know your priorities. First kunin mo muna yung pamasahe mo or pang gasolina mo pang pasok mo sa work para hindi na magalaw. 

Example: 100 transpo x 26 days = 2,600

So may 4,600 pa. Minus mo pa yung load mo,internet mo,personal things mo like shampoo,soap, facial cleanser, toothpaste, buds, deodorant, wax, make-up sa babae,haircut atbp. Kung tumutulong ka magbyad ng ilaw or kuryente nyo. Never depend on single source of income.

Dahil hindi na tayo bumabata kaya dapat hanggat malakas pa tayo pag handaan na natin ung panahon na hindi na tayo makakapagtrabaho.

Ang magulang ay hindi emergency fund na hihingan kapag may kailangan. Ang anak ay hindi investment na iaasa nalang lahat pag matanda na. Walang masamang tumulong pero mas maganda kung pinaghahandaan.

Take full of responsibilities on your finances.

Reward your hard work = 10%

Dapat lang na bigyan mo ng reward ang sarili mo. Bakit? Simple lang, pinaghirapan mo yun eh so you deserve a reward!

Computation: Php 12,000 x .10 = Php 1,200

Yan yung pagkakasyahin mo para bigyan ng reward ang sarili mo. Bumili ka ng sapatos mo, damit, mag travel ka once a month or kung gusto mo mag upgrade ng gadgets like cellphone, tablet, laptop gopro, drone etc. Ipunin mo ung 1,200 mo every month para mabili yung gusto mo na yun. Reward mo sarili mo para maging masaya ka sa resulta ng pinagpaguran mo

Sa una medyo mahirap. Mahirap talaga mag budget lalo kapag wala kang ibubudget pero okay lang sa una lang yan hindi naman kasi tinuturo sa school ang tamang pag-budget sa pera eh.

Ang attitude kasi nating mga Pilipino sa paghawak ng pera ay namamana. Mahirap nga naman baguhin lalo na kung di mo nakasanayan.

SAVE FIRST BEFORE YOU SPENDMJ Nanquil

Written by MJ Nanquil

MJ Nanquil is very passionate to give motivational, inspirational ideas that help change people's mindsets to become the best version of themselves. He also writes and teaches about sales, marketing and advertising topics in order to generate leads, engagements and sales conversion. He aims to inspire others everyday through bible verse posts and life changing thoughts or beliefs.

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