5 Money Saving Tips for OFWs

investing

Anyare, kabayan?  Ang tagal mo nang Pinoy abroad and yet ‘ala pa ring savings? Hala, dapat mag-set ka na ng goal na makapagtabi dahil hindi forever na suwerteng may trabaho ka at nasa abroad.  Para maumpisahan na, here are some tips to help you out in saving:

 

1. Gumawa ng list ng iyong mga regular expenses

This is very important.  Doing this will let you see kung saan napupunta lahat ang pera mo.  Maipa-prioritize mo kung anong dapat talagang mga unahing bayaran and at the same time matutulungan kang mag-adjust kung paano ka makakapagtabi ng pera for savings.

accounting

 

2. Bayaran lahat ng kautangan

Kung may utang,  isa ito sa dapat mong i-prioritize na mabayaran agad.  Hindi ka kasi makakapag-start na makaipon kung monthly e may mga malalaking interest kang binabayaran from your credit cards and other loans.  Kapag bayad lahat ng utang, bawas na ang mga alalahanin mo, may pera ka pang matitira for savings.

pay off debt

 

3. At umiwas nang madagdagan pa ang mga ito

Siyempre kapag tapos ka nang magbayad ng kautangan e ‘wag mo na ‘yun dagdagan.  Sayang lang ‘yung effort mo na mabayaran lahat ng utang kung magkakaroon na naman ng panibago.  Being debt-free can give you an opportunity to save more.   

debt free

 

4. Umiwas rin sa unnecessary expenses

Paminsan-minsan magtipid din.  Bawasan mo muna ang pagsa-shopping at dine out.  Hindi naman sinabing ‘wag gawin dahil knows naman natin ‘dun ka lang din bumabawi sa stress at homesickness. I-lessen lang nang konti.  Remember na kaya ka nag-abroad ay para mabigyan ng ginhawa ang pamilya mo sa Pinas.  Kung lagi kang gastos dito, gastos doon at wala kang ipon, paano mo naman ma-a-achieve iyon?

too much spending

 

5. Always choose to invest your money wisely

Kaya sa halip na kung saan-saan dinadala ang pera, mas mainam na mag-ipon.  Set a goal para matulungan kang ma-realize ‘yun. ‘Yung realistic naman para makaya mo talagang gawin. Like isipin na ang iniipon ay para sa emergency funds ‘nyong pamilya.  Or pampagawa ng bahay. Or pangtayo ng business. Or pang-retirement plan mo. Anything para maengganyo ka mag-ipon.  

investing

 

So kabayan, do it today and start nang mag-save. Dahil sabi nga, you never know what lies in the future. Mas best na prepared ka at ‘di maabutang tulala at luhaan, dahil wala kang naipon sa perang pinagpaguran mo.

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About the Author

Hilda graduated with a degree in Criminology but she ended up following her true passion—writing. She had written a couple of Tagalog romance and horror pocketbooks. When she’s not busy writing, she is happily spending time with her husband and four kids in their lovely home in QC.

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