7 Tips for Breadwinners para Mas Makapag-Save 1. Unahin ang sarili sa sweldo. Pagpasok ng sahod, magtabi agad kahit 5–10%. Kung ano ang matira, ito muna ang gastusin. 2. Ihiwalay ang needs sa wants. Needs muna —bills, pagkain, tuition, utilities. Ang wants, walang masama basta naka-budget din. 3. Mag-build ng emergency fund. Goal: 3–6 months ng expenses mo. Para kahit may biglaang sakit o mawalan ng work, hindi ka magpa-panic. 4. Protektahan ang income mo. Hindi lang additional expenses ang insu
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7 Tips for Breadwinners para Mas Makapag-Save 1. Unahin ang sarili sa sweldo. Pagpasok ng sahod, magtabi agad kahit 5–10%. Kung ano ang matira, ito muna ang gastusin. 2. Ihiwalay ang needs sa wants. Needs muna —bills, pagkain, tuition, utilities. Ang wants, walang masama basta naka-budget din. 3. Mag-build ng emergency fund. Goal: 3–6 months ng expenses mo. Para kahit may biglaang sakit o mawalan ng work, hindi ka magpa-panic. 4. Protektahan ang income mo. Hindi lang additional expenses ang insu
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