New year na ulit, and you know what that means – it’s the season of New Year Resolutions na naman! One of the most common resolutions is to save money, but alam naman natin that it’s easier said than done. Kaya mas madali to start small and easy.
Here are 3 simple money-saving hacks to help you finally achieve your madiskarteng #tipidgoals this 2023!
- Track your expenses.
Success starts from small habits, and one habit that it is easy to start but can reap a lot of benefits is tracking your expenses! Dapat alam mo kung ano ang pumapasok at lumalabas sa wallet mo.
Madami nang mga smartphone apps to help you do this, so wala ka nang excuse. Every time you spend on anything, i-note mo lang sa tracker app, sa notes mo, o kung may energy pa, sa Excel file – basta ano ang pinakamadali para sayo. At the end of the month, makikita mo kaagad where you spend the most money on, and then you can adjust accordingly to tweak and fit your monthly expenses budget.
Importante ang financial awareness sa pagtitipid!
- Follow the 50/30/20 rule.
Saving money does not have to be overwhelming!
Pag dumating ang monthly sahod mo, follow mo lang yung 50/30/20 rule – use 50% on essential needs; spend 30% on your wants; and save 20% for your savings or emergency fund. This way, at least alam mo na may mapupunta sa savings mo every month. Over time, tutubo din ung savings fund mo, without having to feel like you’re compromising on your daily expenses and personal needs.
At bago pa man gumastos, siguraduhing nakahiwalay na ang 50-30-20 ng sweldo mo para masiguradong hindi lalagpas ang allocation mo rito.
- Grow your money with the DiskarTech app.
Your untouched savings shouldn’t be stale, so dapat tumutubo padin siya in a savings account with a good interest rate.
RCBC’s first Tagalog-English and Cebuano financial inclusion super app, DiskarTech, recently launched its 6.5% annual savings interest rate para mas masaya ang holiday season at Christmas bonus ng mga Pinoy! Plus, makakatipid ka din sa inter-bank transfer fee – compared to other banks, sobrang mura na ng DiskarTech. Eight pesos lang per transaction!
Bukod pa diyan, mas madali na ang bills payment, mobile load, telemedicine, at marami pang iba in just one app. Kung maisipan namang i-treat nang kaunti ang sarili this New Year, may cashback sa bawat shopping mo ang DiskarTech!
The New Year is an opportunity for us to throw away bad habits and start new positive behaviors for our well-being. Siguradong mas sasagana ang inyong bagong taon kapag mas pinabongga ang savings.
Siyempre, kasama mo sa asenso ang DiskarTech. Kaya naman download na dis!