What separates the rich and the poor is how they view and use their money.

Now here are the 10 signs that will tell na magaling ka magmanage ng pera:

  1. You have a steady flow of income. Hindi ka umaasa sa isang source lang. You have atleast 3 to 7 income streams that regularly flows to your bank account.

 

  1. You know how much you spend. Hindi porket may pera, gagastuhin lahat. Ikaw nagkocontrol kung saan at ano dapat bilhin ng pera mo.

 

  1. You can pay your bills every month on or before the due date. Hindi ka takot pag showing na naman ang Judith dahil you have allocated a fund for that.

 

  1. You can buy things you want. Hindi ka nakokonsensya if once in awhile bumibili ka na something you want or luho dahil reward mo yon sa sarili mo at ito ay hindi palagi dahil you know your priority.

 

  1. You have an emergency fund. Dahil alam mo may mga pagkakataon na hindi inaasahan at ayaw mong magulantang ka saan kukuha ng pera kaya ikaw ay nakapagtabi ng fund equivalent to your family’s 6 months monthly expenses.

  1. You are planning for a major purchase. Ayaw mo na mahulog sa utang kaya pinagplanuhan ng mabuti.

 

  1. You have healthcare account. Kasi ayaw mong mawashout ang mga naipon mo dahil lang sa pagkakamali n walang healthcare account.

 

  1. You are saving money. Hindi mo iniisip kung mag-iipon kasi part na ng Sistema moa ng mag-ipon ng tama, bago gumastos meron ka ng nilalaan nap era para ipunin.

 

  1. You have enough insurance. Dahil mahal moa ng pamilya mo at ayaw mong magstruggle sila financially kung wala ka na.

 

  1. You invest the money you save. Kasi hindi sapat ang ipon lang. Dapat ito ay pinapalago mo rin. Alam mo kung saan ang tamang financial instrument para sa’yo dahil financially educated ka. You know your options at you maximize those investments that will make your money grow.