In times when family income is tight and no job is secure, everyone should be thinking of ways to augment our limited financial resources. *Sa panahon ngayon, malaking bagay ang pagkakaroon ng dagdag na kita. Hindi lang para matustusan ang pangangailangan ng pamilya kundi para na rin magkaroon ng karagdagang savings na magagamit para sa emergency, pag-aaral ng mga anak at sa iyong retirement.*
One way to “instantly” have money to save even without increasing your income, is to cut down on your expenses. A few pesos saved here and there will add to several hundred pesos (even thousands) every month. *Halimbawa, kung hindi mo sasamahan ng softdrinks ang lunch mo sa office, makakatipid ka ng P300 - P400 monthly. Imbes na 1 pack na yosi ang inuubos mo araw-araw, gawin mo na lang kalahati or tuluyan mo nang tigilan at makakatipid ka ng P500 to P1,000 monthly.* Unfortunately, when your income is barely enough to support your needs, there’s not much reduction of expenses you can do. *Ang option na lang na natitira sa ‘yo ay ang gumawa ng paraan para madagdagan ang iyong kita.* The good news is there are many ways that you can boost your family income and it’s not just having your own business. Here are some of your options: 1. Get paid more at work by working overtime. You can also improve on your skills and be more responsible and reliable at work so you can be considered for a promotion, which usually includes a pay raise. To learn new skills and acquire new knowledge attend trainings & seminars even if you have to pay for it yourself. *Magagamit mo rin balang araw ang mga matutunan mo dito. *If you don’t want to spend, turn to the internet. Almost anything you want to know is available in the internet for free. 2. Transfer to a higher paying job or change careers. If you feel you are stuck in a dead end job with little opportunity for career & financial growth, consider moving to another job or shifting to another field. You will have be at your best and have a better chance of succeeding if you do something you really love instead of doing what you went to school for. Hindi kailangang magtrabaho ka bilang engineer dahil pinilit ka lang ni Tatay na makatapos ng engineering. 3. Get a part-time job or have a part-time business. Manage your time well so that you can have an extra 10-12 hours every week that you can use to work on a part-time job or run a part-time business. *Basahin ang mga ads sa Buy and Sell, Super Ads, Job Finder at Sunday newspapers para malaman kung merong naghahanap ng part-timers and magkaroon ng idea kung anu-anong negosyo ang pwedeng pasukan.* Consider working on something that you love doing. Yung kahit hindi ka bayaran o hindi makabenta masaya ka pa rin. *Halimbawa, kung mahilig ka mag-bake, pwede ka magbenta ng cookies & pastries sa mga kamag-anak at kaibigan… at kung hindi mabenta may pangmerienda ka na sa mga anak mo.* You also don’t need a big capital to start a business. Small businesses that offer services which make use of your special skills like tutoring or coaching do not require huge amounts to start. There are hundreds of ways to boost your family’s income. The key is to find one that will work for you. So start your search for that ideal extra income opportunity now and once you find it, give it your utmost commitment. ---------------------------- To learn more practical money management & wealth building tips and strategies go to the nearest National Bookstore branch and grab a copy of: *Kaya Mo, Pinoy! 12 Steps to Build Wealth on Any Income*** *"The complete money guide for ordinary Filipinos"* For FREE deliveries nationwide, contact: *Pinoy Smart Savers Learning Center*** 2/F CM Plaza, 61 Don P. Campos Ave. Dasmarinas, Cavite Tel. No. (46) 506-4711, (0917) 502-3149 http://www.pinoysmartsavers.com/kayamopinoy.html --~--~---------~--~----~------------~-------~--~----~ You received this message because you are subscribed to the Google Groups "filex2007" group. To post to this group, send email to [email protected] To unsubscribe from this group, send email to [email protected] For more options, visit this group at http://groups.google.com/group/filex2007?hl=en -~----------~----~----~----~------~----~------~--~---
