Yesterday, I was "computing". Yes, COMPUTING for my savings next year. I don't have much savings this year. why? Ewan ko din eh. Ah. Mostly gifts for birthday, dine outs, then I booked a trip for next year Promo naman siya, so okay lang.
Well, personally, magaling ako magipon. When I started working or even before when I was still studying, hindi ko na ugali manghingi. Nahihiya? Siguro. And kuripot kasi ako so may natitira, pag may gusto ako bilhin o gusto ko lumabas, hindi ko na ginagambala nanay ko. So ngayong may work, mas lalo na. I always divide my salary into 5 parts per pay day:
1. My Allowance
-Lunch, Meryenda, Pamasahe
2. Pang bigay dito sa bahay
-groceries/ bills/ pamalengke, whatsoever na pwede makabawas sa gastos
3. Pang lakad
- I never fail to date my mom every pay day sa medyo fancy naman na kainan, gusto ko kasi yung pati siya, naeenjoy niya kahit papaano yung nakukuha ko.
- Pang lakad may also mean, dine out with friends, pang time zone, movies, etc.
- I also use this pag gusto ko mag "ME" time.
4. SUN payment
- siyempre ako na nagbabayad ng linya ko sa sun.
5. Personal Savings
- I always make sure na hindi ako papalya dito. Dapat may natitira lage na ipon no matter what. Sabi nga sa nabasa ko, 10% of your salary is the most ideal amount to be kept as your savings.
- In addition, lahat ng sukli ko at the end of the day na tig P5 or tig P10, tinatago ko din yun, hindi mo mamalayan, malaki na maiipon mo dahil dito.
So yun nga, I have my plans to save up for some "things" na hopefully I can buy in the next few years. Kaya naman eh, basta ma maintain ko lang 'to. I don't know which will come first, pero sana kahit isa diyan matupad:
TOYOTA VIOS
iPhone 4S
ACER ASPIRE
I have to save more if I want any of these things. It's the only way and I hope I can buy at least one this year, definitely not the car, of course :))
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