Monday, May 16

Best Saving Tips 7- Quality, credit card, to buy or not, educational and entertaining

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15.  Palit og mga butang nga dugay madaut.
  •  Ayaw palit sa barato pero ugma naguba na o dili mohangtod.  Bahalag mahal basta for life magamit.
  • Ang kwalidad ang pangitaa kay mas makatigom ka niani.  Bahalag maghulat sa ka og panahon sa maayong kwalidad una nimo ni siya palitoon. 
  •  Kaysa mopalit ka og barato pero maguba pod dayon.  Sayang lang.  Doble na hinoon imong magasto kung mopalit na pod ka. 




16.  Tagoi nang imong credit card. 
  •  Ayaw ibutang sa pitaka haron dili dayon magamit kay dako ra ba ang bayad niini. 
  •  Kung naa mo paliton pangita mog paagi nga mohimo mo og second income haron makapalit mo niini.  Dili kay bira dayon sa credit card.

  • Credit card means Creating problem specially kung wala moy ideya asa nimo kuhaon ang bayad niini.  Kung wala moy second income, nagpasabot nga didto ni kuhaon sa inyong sweldo og tigom. 
  •  Resulta niana problemang pirting dakoa unya matag bulan baya ang interest niana. 
  • Ikaw ra ang kalooy pagbinayad.














17.   I master nag 10 - second rule.
  • Kung naa mo sa grocery store o mall o palengke.  Pagpunit nimo sa item og butang sa imong cart, hunong og 10 second o kanang nagsigi pa ka og libot libot sa imong  ubang paliton.  Paghunahuna sa kadiyot.Kana nga batasan mao na ang gitawag nga sugo lang sa atong kahinamhinam.  Dili diay ni siya kinahanglan, Kung naa pa diay ta ani sa balay apan ganahan lang dyog ta nga ato ni puniton.   
  • Mao nang mga butanga nga kinahanglan ibalik ninyo sa butanganan kay kana nagdungag -dungag lang sa bayronon og pag-abot sa balay tingalig ma stock na pod sa aparador.Hangtod maabtan sa expiration unya malabay ra pod.




18.  Ayaw dal-a imong anak sa baligyaanan sa mga dulaan. 
  •  Ayaw dyog ani, mas maayo ikaw ra ang mopalit kay mas labi ka nga makabalo kung unsa ang maayo og angay kanila. 
  •  Kinahanglan kanang mga naa silay mahibaloan.  Educational and entertaining  ang palita para  sa bata.  
  • Kung imong dalhon imong anak, sangpotanan ana bisan unsa na lang puniton nila.
  • Kung dili paliton,  Maghilak na didto sa sulod kung dili nimo paliton so mapalitan na lang nimo hinoon bisan kini dili maayo og dili makahatag og kaayohan.
  •  Kung dal-on ninyo sila didto kinahanglan sabot mo daan kung unsa ang maayo haron pag-abot didto dili mausik ang panahon og ang kwarta. 
 Tip:  Ang mga dulaan nga dili na nila gamiton i garage sale o ibutang sa secondhand item ninyo haron mapalit sa uban.  Income generating na pod ni nimo, para sa tigom na pod ni nimo.  O i swap o i barter sa uban o i donate sa mga way mga dulaan nga mga bata.  Mobalik ra na nimo kung manggihatagan ka.

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