6 Ipon Challenge na Maaari mong Subukan ngayong 2022!

MANILA, Philippines — MAHIRAP mag-ipon lalo na ngayong panahon na mahal na ang halos lahat na mga bilihin. Ngunit may kasabihan din na kung gusto, may paraan; at kung ayaw ay may dahilan.

Ngayong bagong taon, maraming ipon challenge ang nagsisilabasan sa social media na talagang nakaka-inspired sa maraming Filipino.

Alam mo ba sa ipon challenge, hindi lamang financial goal ang nakakamit dahil nagkakaroon ka din ng disiplina at magiging kaugalian na ang regular na pag-iipon.

Maraming dahilan kung bakit nahihikayat tayong mag-ipon. May nag-iipon dahil gustong makapag-bakasyon sa abroad, magpakasal, magkaroon ng downpayment sa pinapangarap na bahay o sasakyan o pang-kapital sa maliit na negosyo.

Ano nga ba ang Ipon Challenge? 

Ang ipon challenge ay isang istratehiya ng pag-iipon kung saan may sinusunod na aktibidad o patern sa buong taon. Hindi kagaya ng karaniwang pag-iipon, ginagawang regular ang ipon challenge upang manatili kang stay-on track sa iyong savings at makamit ang iyong target na halaga ngayong taon.

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Narito ang anim Ipon Challenge na maaari mong pagpilian ngayong taon!

1. 52-Week Ipon Challenge!

Popular ang ipon challenge na ito sa mga Filipino. Kada linggo, tumataas ang inilalagay sa ipon hanggang sa makamit mo ang goal mo sa katapusan ng taon. Flexible din ang ipon challenge na ito dahil maaari kang mag-simula sa piso o kahit magkano depende sa kung ano ang makakaya mo kada linggo.

Sa ipon challenge na ito, maaari kang makapag-ipon ng P60,000 o higit pa.

Narito ang mga printable chart na maaari mong i-print!

2. Twice-a-Month o Kinsenas Ipon Challenge

Sa mga nagsasahod ng dalawang beses kada buwan, magandang simulan ngayong taon ang kinsenas o twice-a-month ipon challenge. 

Maaari kang makapag-ipon ng P15,000 hanggang P150,000 sa loob ng isang taon.

Sa ipon challenge na ito, maaaring magsisimula ka sa P50 o P100 hanggang sa P500 o P1,000 kada sahod. Maaaring taasan ang hinuhulog sa ipon depende sa tinatanggap na sahod kada buwan.

Mas madali itong sundin kung ihahambing sa 52-week money challenge dahil mula sa 52 weeks, magiging 24 weeks lamang ang iyong paghuhulog o dalawang beses kada buwan o kada sahod.

3. 12-Month Saving Challenge

Naka-depende sa iyong monthly income ang 12-month ipon challenge na ito na itinuturing na mas practical kung ihahambing sa 52-week ipon challenge. Sa ipon challenge na ito, aalamin mo kung magkano ang halagang maiipon mo kada buwan at dadagdagan ng 1% kada buwan hanggang sa umabot ng 12% pagkatapos ng taon.

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4.  365-Day Ipon Challenge

Ang maiipon mo sa ipon challenge na ito ay depende sa kung magkano ang maitatabi mo kada araw. Mas simple ang ipon challenge na ito dahil kailangan mo lamang magkaroon ng fixed amount na iipunin kada araw. Maaari kang mag-ipon ng P10 kada araw o katumbas ng P3, 650 sa buong taon o P1,000 na katumbas naman ng P36, 500.

5. 50 Peso Ipon Challenge

Maaari kang makapag-ipon ng P2,600 kung mag-iipon ka ng P50 kada linggo o P18, 250 kung araw-araw kang magtatabi ng P50.

Kung gusto mo namang mapalaki ang ipon mo gamit ang P50 maaari mong gawin ang "invisible P50" o lahat na P50 peso bills na mapapasakamay mo ay mapupunta agad sa alkansiya. Sa ipon challenge na ito, talagang maso-sorpresa ka sa total savings na maaari mong makuha pagkatapos ng taon.

6. Loose Change Ipon Challenge

Ang maiipon mo sa challenge na ito ay depensa kung magkano ang mga baryang makokolekta mo sa buong taon. Ito yong pinaka-simpleng ipon challenge dahil kahit mga bata ay magagawa ito. Bumili o gumawa lamang ng alkansiya at ilagay dito ang mga baryang natatanggap. Hindi man kalakihan ang maiipon mo kung ihahambing sa mga naunang ipon challenge ngunit mai-engganyo kang mag-ipon.

May napili ka na ba sa mga ipon challenge na ito? Hindi pa huli ang lahat para simulan ang pag-iipon ngayong taon. Sa pamamagitan ng mga ipon challenge na ito, matutulungan mo ang iyong sarili na mag-ipon upang may magamit sa panahon ng pangangailangan at maka-iwas sa pangungutang.

Siguruhin din na ilagay ang pera sa ligtas na lugar kung nag-a-alkansiya sa bahay o sa mga bank accounts na nagkakaroon ng interes.

©2020 THOUGHTSKOTO

www.jbsolis.com, www.jbsolis.net, www.bahayofw.com

Paano maging "wais" sa paggastos ng 'yong 13th Month Pay

MANILA, Philippines — MALIBAN sa selebrasyon ng Pasko at Bagong Taon, isa sa pinaka-masayang araw sa buwan ng Disyembre ay ang pagtanggap ng 13th month pay. Isa ito sa mga pinaka-hihintay ng mga empleyadong nagtatrabaho sa gobyerno man o sa pribadong institution.

Alam nating lahat na hindi dapat ginagastos sa mga walang kwentang bagay ang 13th Month Pay dahil minsan lamang ito dumarating sa buhay ng isang empleyado.

Kaya bago mo ito ibili ng mamahaling sapatos o bagong cellphone, narito ang ilan sa mga importante at makabuluhang bagay na maaari mong ikonsidera na paggastusan ng iyong 13th month pay.

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1. Pambayad utang

Hindi maikakaila na nakakasira ng mood ang mga naniningil ng utang lalo na kung walang pambayad. Huwag mong hintayin na sirain din nito ang masayang selebrasyon mo ng Pasko at Bagong Taon. Isa sa pinaka-magandang pagsisimula din ng Bagong Taon ang kawalan ng utang.

Kung may pinagkaka-utangan, gawing prioridad ang pagbabayad ng utang sa pamamagitan ng 13th month pay mong matatanggap at simulan ang bagong taon na walang utang.

Kung may mga hindi nabayarang credit card bills, bayaran muna ito bago gumastos sa ibang bagay. Maaari ding gamitin ang 13th month pay bilang advance payment sa binabayarang sasakyan o bahay.

Gawin ito sa pamamagitan ng paglista sa mga utang at kung alin sa mga ito ang dapat unang bayaran. Unahing bayaran ang pinaka-malaki at may pinaka-maas na interes na utang at isunod ang mga maliliit at hindi naman kailangang bayaran agad.

Hindi maikakaila na napakaganda sa pakiramdam na hindi tayo nai-istress ukol sa pera lalo na sa mga utang na may malaking interes, maliban pa sa mga naniningil.

Ang peace of mind ay isa sa piaka-magandang regalo na maaari mong ibigay sa iyong sarili ngayong holiday season.

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2. Investment

Kung wala ka namang utang na dapat bayaran at nag-iisip ng makabuluhang bagay para sa iyong 13th month pay, maaari mong i-konsidera ang pag-invest.

Magandang source ng passive income ang investment gaya ng stocks at mutual funds sa kondisyon na popondohan mo ito ng regular. 

Sa investment, maraming maaaring pagpilian:

• Mutual funds at UITFs – Maaaring magsimula sa mutual funds o Unit Investment Trust Fund, lalo na kung baguhan ka sa aspetong ito. Maaaring magsimula sa halagang P1,000 para minimal lamang ang risk ng iyong investment.
  
  
• Stock investments — Kung gusto mo namang mas challenging, maaaring mong subukan ang stocks. Itinuturing itong high-risk, high-reward type na investment, kaya dapat may alam ka sa stock market bago mo ito pasukin.
  
  
• Pag-IBIG/SSS investments — Maaari ka ring mag-invest sa mga government-regulated funds upang masigurong tutubo ang pera mo. Sa halagang P500, maaari kanang makapag-simula ng investment dito.
  
  
• Real estate investments — Bakit hindi mo gamitin ang iyong 13th month pay sa pag-invest para sa dream home mo? Maaaring kulang ang iyong Christmas bonus para bumili ng bahay o lupa, pero maaari mong gamitin ito bilang pambayad ng downpayment sa isang home lot o rent-to-own condominium. Kahit wala kang plano sa ngayon na tumira sa mga ito, maaari mo naman itong paupahan sa mga tenants o business owners kung saan maaari kapang kumita mula sa renta.

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3. Magbukas ng savings account at emergency fund

Isa sa pinaka-importanteng bagay na dapat mayroon ang isang tao ay ang savings at emergency fund upang may magamit sa panahon ng pangangailangan.

Kung wala ka pang naitatabi, maaaring gamitin mo ang iyong 13th month pay upang magbukas ng savings account at emergency fund sa banko.

Alam natin na hindi madali ang pagkakaroon ng emergency fund dahil sa iba't-ibang financial obligation na mayroon tayo. Ngunit importanteng mayroon tayong savings o emergency fund bilang "safety net" o madudukot sa mga panahon ng labis na pangangailangan. 

Ang "rule of thumb" sa pag-iipon ng emergency fund ay hindi dapat bababa ang halaga nito sa kabuuan halaga ng iyong tatlong buwanang sahod.

Kung sumasahod ka ng P25,000 kada buwan, dapat nasa P75,000 ang emergency fund mo. Maaari kang mag-simula sa mababang halaga hanggang sa makamit mo ang iyong target at palaguin.

4. Planuhin na ang pag-retiro

Sa edad na 25-anyos, maaaring masabi mo sa sarili na napaka-aga pa upang pagplanuhan ang pag-retiro, ngunit hindi mo rin dapat hintayin na magiging 50-anyos ka bago mo ito pag-isipan. Itinuturing bilang "most rewarding gifts" para sa sarili ang maagang pagplano ng pag-retiro. Hindi lamang ito para sa sarili mo ngunit maging sa iyong pamilya.

Ayon sa isang pag-aaral, karamihan sa mga Filipinos ay hindi naghahanda para sa kanilang retirement.

Ayon sa pag-aaral ng Global Aging Institute and Pru Life UK noong 2015, siyam sa 10 Filipino workers na nagreretiro ay nahihirapan sa buhay dahil sa ubos na savings, pagkakasakit at kawalan ng mag-aalaga o nagiging pabigat na sa mga anak. 

Ngunit maaari mo itong maiwasan kung maaga pa lamang ay napaghahandaan mo na ang iyong pag-retiro sa pamamagitan ng paggamit ng iyong 13th month pay bilang paunang ipon para sa iyong retirement fund at gawing habit ang paglalagay nito ng ilang porsyento mula sa iyong buwanang kita.

5. Kumuha ng insurance

Isa sa pinaka-importanteng investment ang insurance na binabalewala ng maraming Filipino dahil hindi naman ito agad kailangan. Ngunit hindi natin alam kung kailan tatama ang mga hindi inaasahang pangyayari sa buhay natin. 

Pasalamat tayo sa 13th month pay na maaring gamitin sa pag-apply sa iba't-ibang uri ng insurance.

• Life insurance — Maaari mong ipa-insure ang sarili mo o ang mga mahal mo sa buhay. Kayunin nito na may magamit na pera ang mga maiiwang mahal sa buhay o mga anak sakaling ikaw ay sumakabilang-buhay. Maituturing na nakakasakit ang ganitong uri ng insurance ngunit importante ito para sa mga mahal mo sa buhay lalo na kung ikaw ang kumakayod o bread winner ng pamilya.
  
  
• Car insurance — Kung may sasakyan, kailangan din nito ng insurance upang may sasagot sa mga gastusin sakaling maaksidente.
  
  
• Home insurance — Magbibigay naman ito ng financial protection laban sa pagkasira ng iyong bahay dahil sa natural disasters o human error.
  
  
• Health insurance — Kahit may Philhealth na, maaari ka pa ring mag-apply ng health insurance upang masagot nito ang mga bayarin na hindi na sakop ng Philhealth.

6. Magsimula ng negosyo

Maaari mong gamitin ang iyong 13th month pay sa pagsisimula ng sariling maliit na negosyo. Posibleng may naisip kanang negosyo noon ngunit wala kang kapital. Dahil may 13th month pay kana, panahon na upang maisakaturaoan mo ito.

Maraming mga negosyo na nangangailangan ng maliit na kapital kagaya na lamang ng mga sumusunod:

Piso Wi-Fi vending machine – Mas mura ito kung ikukumpara sa computer shop at mas madali din na i-manage. Kailangan lamang mag-invest sa magandang internet connection para makapag-simula.

Cake and pastry business — Kung may skills at talent ka sa paggawa ng mga cakes at pastries, maaaring simulan mo ito sa pamamagitan ng iyong 13th month pay lalo na kung may mga gamit kanang nabili.

Bills payment business — Ito ang isa sa mga pinaka-gusto ng mga Filipinos dahil, sino ba naman ang may gusto sa mahabang pila? Maaari kang magsimula ng sariling payment centers sa halagang P5,000 sa pamamagitan ng pag-invest sa point-of-sale device.

7. Gastusin ang 13th month pay!

Napakasarap gumastos ng pera, ngunit isiping mabuti kung mahalaga ba o kailangan ba talaga ang isang bagay na bibilhin para hindi ito pagsisisihan sa huli.

Maaari mong gastusin ang iyong 13th month pay sa pagpapaganda sa iyong bahay, para sa bakasyon ng buong pamilya o sa pagbili ng gamit na matagal mo nang inaasam-asam.

Perang pinag-hirapan ang 13th month pay kaya bago mo ito gamitin, pag-isipang mabuti ang mga desisyon at iwasan ang padalos-dalos na desisyon sa paggastos.

©2020 THOUGHTSKOTO

www.jbsolis.com, www.jbsolis.net, www.bahayofw.com

Pros and Cons of Online Banking in the Philippines

Many of us get frustrated about the long queues at the bank and sometimes hours of waiting for a single transaction. But for those who hate these things, have you ever heard or tried online banking? Online banking also known as internet or web-banking allows you to conduct banking transaction anytime anywhere via the internet at your convenience.

Online banking services is as easy as one-two-three. Using your computer, laptop, tablet or smartphone, you can check your account balance, pay bills, send money, view your transaction history, access your credit card, get electronic statement among others. These services are available 24/7 which means no more long lines!

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According to the recent Paypal survey, 25 percent of Filipino consumers are already using online payment methods in their everyday transactions. But like any other things, online banking comes with advantages and disadvantages. 

The Benefits of Online Banking

• Easy Transaction

Convenience is the main advantage of online banking. So if you are tired of long lines and outdated ATMs, your best option is online banking. All you need is a desktop, a laptop or a smartphone that is connected to the internet. With these, you can easily do basic transaction such as balance inquiries, fund transfer and bills payment without going to the nearest bank. Online banking is also ideal for an emergency transaction and you don't need to worry about transacting on weekends. 


Read: Need Money? Here are 12 Banks that Offers Best Personal Loan Rates

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• Fast Transaction

We can say that a transaction is convenient if it is speedy. With online banking, you can make an instant transaction such as fund transfer. Within seconds, you can easily check your account balance and transaction history in just a few tap or clicks. No need to wait for tellers to process your simple banking concerns—something that you can now do in seconds right on your fingertips.

Read: All You Need To Know About OFW and Personal Loan

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• Paperless Banking

Since your computer and smartphone do all the banking, there’s no need for all those paper clutter. Just have your app generate digital copies of your bank statements, invoices, bills, receipts, and other documents.

Online banking also promotes the eco-friendly lifestyle by going paperless that also prevents the senseless cutting of trees just to make more paper products.

Read: Filipinos Can Soon Open A Bank Account With Less Than P100

• Secure Banking

Bank clients main concern about online banking is security. We may ask, is it safe? Well, major banks are making sure that online transactions are secure. For starters, banking websites are equipped with Secure Sockets Layer (SSL) technology that secures the connection between your browser and the banking website. On the mobile side, apps come with security features like One-Time Password (OTP) and fingerprint login.

• Responsible Banking

You can access your bank account instantly with online banking. It means you can easily manage your money and track your expenses, earnings and all transaction in your single account. Aside from being quick, online banking is usually free of charge. There are banking apps that are also free to download for your device. And because transactions are online, there’s no need to pay unnecessary ATM fees. 

Read: How to Avail Auto, Salary And Home Loan From Union Bank
The Disadvantages of Online Banking!
Just like any other things, Online Banking comes both with pros and cons!

• Internet Access

The Philippines is still behind in terms of internet connection. So when the connection is poor in your area, online banking would be useless.

• Security Threats

Despite the best effort to secure banking websites and apps, security threats continue to arise. Most of these threats involve social engineering where users get tricked into giving their credentials to hackers. Even if online banking websites are protected by SSL, a potential victim can get duped into sharing one’s password through fake emails and bank websites. While these security threats exist, it’s important to note that there are ways to avoid these online scams.

This article is filed under online banking, banking transaction, savings account, and bills payment. 

©2019 THOUGHTSKOTO

www.jbsolis.com, www.jbsolis.net, www.bahayofw.com

10 Spending Habits You Need to Stop to Save Money

For many of us, saving money is one of the hardest thing to do, especially nowadays that prices of almost all goods and services are increasing. In spite of this, we need to save. Because there are many reasons to do so. Saving money should start, a moment you are earning, regardless of your age or marital status. 

If you haven't saved for a long time despite the fact that you are working for a decade, you should start saving now. Your savings can turn into investment someday. You can also use the money as a capital for business, a preparation for the future needs of your family or for your retirement.

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You may ask, what should I do to save? There are many things you can do to save money. But first, evaluate your lifestyle and break some spending habit that you do not need in the very first place. The following are 10 spending habit that we need to break to save!

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1. Splurging to Keep Your Yolo Lifestyle

This is very common among millennials or even adults nowadays.

Living and enjoying the moment because you only live once. Spending money on travel, shopping, dining, gym membership, gadgets among others are now the way of life for many. Indeed YOLO is good for a person's overall well-being. But enjoying life for a short moment then suffering for sleepless nights for a month or two worrying about money or on how to pay your debt is not healthy at all. Yes, you only live once and life is meant to be enjoyed, but it should not make you broke or in debts. 

Read: 7 Tips for OFWs to Save Money When Transferring Funds Overseas

Instead, "you should enjoy the moment but prepare for retirement". "Bahala Na si Batman" should not be our "mantra". Spend below your means and not within your means. Nothing is left for savings if you spend within your means. If your hobbies like traveling can hurt your savings, do it seldom or once in a year or two.

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2. Impulse Buying as Stress Relievers

There are many who's guilty of this. When stressed or bored or feeling down, the next option is going to the mall and spend mindlessly on things that we don't actually need. Shopping, eating, binge drinking etc. The result is overspending.

It is never wrong to treat yourself for the things that you love since you are working hard for your money. But using this as an excuse to spend more is not a good idea at all.

Read: 10 Simple Tips for OFWs to Save Money From Monthly Salary

To stop, put a limit to each of your expenses whether it is a need or wants. Also, there are many things to do when you are stressed, bored or feeling down aside from spending money!

3. Borrowing Money for the Wrong Reasons

Applying for a loan to support your lavish lifestyle? Getting a loan to fund your travel or for buying a new smartphone or any other short-term needs is a bad idea. Remember, the loan comes with interest that you need to pay. Make sure your monthly income can compensate the payment needed plus the interest.

If it is for the right reason, taking a loan or borrowing money is not bad at all. For example, you need money for long-term investment or for a capital to start a small business where you can earn in return. If your borrowing money for dead investment, make sure it is worth it and it won't kill your budget afterward.

Read: 5 Money Saving Tips For OFWs For Christmas Season

4. Spending to Impress Others

Social media is now part of people's lives. We love to share our vacation photos, new things we bought, the places we visit or restaurant we dine and so son. We love to have many "likes" on beautiful images we upload in social media that sometimes we are spending much on our social media image. 

Trying to impress people or "Keeping up with the Joneses" to maintain our good and successful image in social media is costly. If you want to save, you should stop this habit and focus on your personal growth.

5. Failing to Track Your Expenses

In saving money, budgeting is one of the keys. One way to do this is to track your expenses so that you will know where did your money go. Make a list when going to grocery stores to avoid over expenses. Set aside a budget for utility bills and other expenses in the house and so on.

Read: 4 Effective Financial Tips for OFWs

If you have a record of your expenses you can evaluate your spending in a month. You can carefully study what are the needs and wants and adjust your spending for the next month for possible additional savings. You can review your expenses and see which ones you can cut back on.

6. Spending First Before Savings

Every one of us has a different formula for saving money but the question is, it is effective? If you don't have savings up to now then you need to try the "Pay Yourself First" formula. It means when you received your salary, the first thing to do is set aside the fixed amount as a saving before spending. So the formula should be Income - Savings = Expenses.

It is very common for us to save what is left with our money. But if we practice this, nothing will be left for savings in the end especially if we are living paycheck to paycheck.

7. Paying for Convenience All the Time

Often times we pay the price of convenience much more the price of the product or services we get. Eating lunch every day in the fast food instead of cooking and bringing "baon" for lunch will cost you much. Riding a taxi to work regularly instead of a jeep or bus will make you spend more than what is intended. Aside from the actual services and product, you are paying for the convenience of the situation being given to you.

Look for another way instead so that you can save. List down a weekly menu, cook and bring food in your workplace instead of buying in the nearest fast food or carenderia.

8. Not Paying Your Credit Card Debt

If you are using a credit card, make sure to pay on time all your dues. Unpaid dues will accumulate interest. Not just your credit card but all your debt or loans. Avoid debt if it is not necessary.

9. Never Saying No

Your money will slip through your fingers easily if you don't know how to say no in all the invitation or favors being asked to you. Even if you are earning big, learn on how to say No to unwanted expenses to give way for your savings. Also, say no to each temptation to overspend.

10. Spending Too Much on Vices

If you want to save, consider cutting your vices. Prices of sin products such as cigarettes and liquor are not cheap. Imagine how much you can save in month from consuming a pack of cigarettes a day. Not just this, this vices can harm your health in a long way that can also hurt your finances. 

Aside from this, you can also cut your addition on too much coffee or soft drinks or gambling.

This article is filed under savings and investment, financial plan, finances, savings account, tips for savings, savings and expenses and credit cars.

©2018 THOUGHTSKOTO

www.jbsolis.com, www.jbsolis.net, www.bahayofw.com