How To Be You? Tips To Become Financially Stable

How To Be You? Tips To Become Financially Stable

Dreaming of becoming financially stable? Well, it’s never too late to grind and be able to get your “A” game on in. Securing for a brighter future has become a top priority for every individual since savings are no longer enough and the future is quite uncertain. All throughout the years, you have been working so hard and seize every bits of opportunity that comes after receiving your pay check. Then what if one day, you discovered that your health is slowly deteriorating and you have to cut a large sum of budget for your check-up and maintenance.  In order to possibly avoid other scenarios which might affect your finances in the future, below are some of the tips to help you become financially stable:



  1. Build your emergency fund. Kung may plan A dapat din may plan B, laging isaalang-alang ang mga di inaasahang pangyayari  na maaring bigla kang mapapadukot sa iyong bulsa. Kaya ugaliing ilaan ang parte ng iyong budget sa emergency fund.
  2. Get a short/long term health care. Health is wealth ika nga, aanhin mo ang sobra-sobrang pera kung isinasantabi mo naman ang iyong kalusugan. Mag inquire sa mga HMO providers at alamin kung anu-ano ang kanilang health care package bago magdesisyon na kumuha.
  3. Get a life insurance. Mula sa mga bagay na posibleng maganap sa buhay natin, napakaimportante talaga ng life insurance dahil kung may mangyari sa atin eh yung maiiwang mahal natin sa buhay ay mahihimatay sa iniwang gastusin o utang na hindi nabayaran.
  4. Clear your debts.  Ang utang ang isa sa mga nagpapastress sayo, kung ayaw mong dumami ang puting buhok mo, bayaran ang mga pinagkakautangan mo. Higit sa lahat, iwasan ang utang lalo na karamihan sa mga ito ay may katumbas na interes, ugaliing maging masinop para hindi maubos ang budget.
  5. Investment. Short-term man o long-term basta ang importante ay may magandang napupuntahan ang iyong pera. Maari kang mag-invest sa isang negosyo upang may iba kang mapagkukunan ng salapi. Maari ka ring mag invest ng lupa dahil habang tumatagal ay mas lumalaki ang halaga nito kumpara sa mga ibang bagay na nasasanla. Maging wais sa mga bagay na pinaglalaanan mo ng pera at siguraduhin na maibabalik ang iyong kapital.
  6. Prepare for your retirement. Ihanda ang sarili sa panahong titigil ka ng magtrabaho. Ang retirement ay may katumbas ding gastos — gastos para sa gamot , gastos para sa pang araw-araw na pagkain at iba pang bilihin. Huwag lamang umasa sa iyong matatanggap na pension o di kaya financial aid galing sa gobyerno. Kinakailangan na may budget ka para sa iyong retirement ilaan ang porsyento ng iyong monthly budget upang lalong mas makapaghanda sa iyong buhay sakaling ikaw ay magdesisyon na magretire.

We never really know what lies ahead but one thing is for sure, it takes a lot of preparation, discipline and foresight to become financially ready to take on the challenge on a life full of uncertainties and financial struggle. Be insured, save and invest today! This is how we make our future crisi-proof.

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Sharmaine Escarian

Unstoppable, determined and very passionate. A full time HR practitioner, freelance writer, a loving daughter and a seeker of adventures, lifetime learning and improvement. And shall continue to design the life that she has always dreamed of -- inspirational, purposeful and a journey where there is contentment and genuine happiness.

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