Planning is one of the most important ways of achieving one’s goal. Sa panahon ngayon napakabilis ng upgrading ng mga gadgets, fashion, car, accessories at marami pang iba. Minsan sa sobrang bilis ng pag upgrade ng mga ito ay naiiwan na ang ating mga priorities, dahil na din sa gusto nating makipagsabayan sa nakikita natin sa social media. Kaya kadalasan ay sa pang short-term lamang na mga bagay napupunta ang ating mga pera.
To avoid these, you can try doing goal-based financial planning. Ang goal based financial planning ay isang process para madetermine mo ang iyong mga priorities and to achieve a certain life-stage goal. It also helps you not only to save money but how you grow your money.
Here are some steps in achieving this goal-based financial planning.
Set your goal
You need to set your goal first. You can list down your goals from short-term to long-term. E.g buying a house, car, getting married, for education, etc. Kailangan mong i- estimate ang perang kakailanganin mo sa mga ito and anticipate for the inflation. Magpasobra ka sa expected money na kakailanganin mo. Because if you dream big, you need to plan bigger.
Budget your money
You need to budget your money, from expences to savings. Kailangan mong malaman kung anu-ano ang pwede mong i-cut down to save money. You need to set aside your wants so you can save money for your goals and savings. You need to save money para sa mga emergencies ay mayroon kang pagkukunan, like hospitalization, biglang nawalan ng trabaho, biglaang occasion at iba pang hindi mo inaasahang pagkakagastusan. Financial planning makes your budget relaxed.
Use an E-wallet
With the modern technology today kung saan halos lahat ay pwede mo nang gawing digital, bakit hindi mo rin gawing digital ang iyong wallet or pera? Through going cashless with the use of an e-wallet, mas safe ang pera mo in a way na wala ka ng physical wallet na iingatan na possible mawala, manakaw or pwedeng maiwan kung saan-saan. Possible rin na makagawa ka ng iba’t-ibang financial transactions gamit ang iyong e-wallet kung saan hindi mo na kailangang gumastos ng extra sa travel cost at matukso sa pagbili ng kung anu-ano sa mga physical stores dahil kahit nasa bahay ka lang, pwedeng-pwede mo itong magamit. Speaking of using an e-wallet as your digital storage of your money at para sa iyong mga online financial transactions, pwedeng-pwede mong subukan ang PalawanPay e-wallet App kung saan you can transfer funds, pay bills, buy load at marami pang iba at the comfort of your home! Hassle-free at walang kuskos-balungos na serbisyo ang hatid ng PalawanPay! Download it for free sa PlayStore or IOS App Store and create your account to experience the exciting features of the PalawanPay App!
Keep your eye on your goal
If you are getting a hard time in these processes, just go back to your goal. Alalahanin mo kung bakit at para saan mo ginawa ito. And that will give you the thrive to keep going and keep reaching your goal.
Setting up a goal is a dream that you will surely achieve if you are eager to achieve it. We need to plan everything lalo na ang ating mga pinaghihirapan ngayong mga pera na parang kisap mata lang ay nauubos na. Financial planning is a must and we need to start planning it now.
