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How much do you spend? How much do you save?
« on: September 27, 2012, 11:54:35 AM »
source: press release

How much do you spend? How much do you save?
             â€œPersonal budgeting is estimating your assumed income and expenses. By plotting
down total expenses, it guides us to only spend what is necessary,” Cyrille dela Cruz, Ramon
Aboitiz Foundation Inc. (RAFI) Micro-finance accountant, said.
            Dela Cruz added that budgeting can be classified into fixed, flexible, and discussionary.
Fixed budget are for stuff that you really need to buy because they are necessary. Flexible
budget are for stuff that are dependent on the number of people who will benefit from them, such
as purchasing grocery items. Discussionary budget are for expenses that satisfy one's wants
only.
           â€œIf we plan ahead for our expenses, we will not be tempted to buy things that are not
in the plan. Prioritize the things that are needed instead of buying immediate wants,” she said
during the Sept. 21 episode of “Pagtuki”, the official radio program of RAFI.
           Iris Echavez, audit head of RAFI, also shared budgeting tips, especially to impulsive
buyers.
          “Never spend what you don’t have. And never be dependent on credit cards. As much as
possible, do not spend more money than you can make,” Echavez said, pointing out that large
debts can make financial changes in the long run.
          Echavez said that the same rule applies to both above and minimum wage earners―live
within your means.
           â€œFirst, identify your income. Allocate expenses for electricity and water bills and other
needs in the house. The rest, you should save it,” she added.   
          “We should allocate expenses properly for us to save. Savings is very important for perils
that might happen along the way. Now is the right time to save,” she stressed out.
          Dela Cruz advised listeners to write down on a notebook one’s daily expenses. If it exceed
the expected expenses for the month, evaluate the things that contribute to it.
         â€œThe secret to personal budgeting is self-discipline. Identify how much you earn and only
buy things that are necessary,” she said.
           Pagtuki” is aired over dyLA every Saturday at 10-11 a.m. The program, which is one of
the Knowledge Sharing & Advocacy capabilities of RAFI, tackles timely and relevant issues
affecting the Cebuano community.
For more information about RAFI’s radio program, please contact Fatrick Tabada at 418-
7234 loc. 542, or visit www.rafi.org.ph or www.facebook.com/rafi.org.ph.

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Re: How much do you spend? How much do you save?
« Reply #1 on: September 27, 2012, 05:37:26 PM »
Si His Majesty Lord Emperor Bossing Balongski ang angay motubag anig una... ;D
...than to speak out and remove all doubt." - Abraham Lincoln

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Re: How much do you spend? How much do you save?
« Reply #2 on: September 27, 2012, 06:08:36 PM »
great advice, on the presumption that one has a steady source of income, like a salary in a job, like the people talking and giving the advice.  i'm curious about one thing in the news item, though.  is that really the spelling of the name of the contact person at the end?  fatrick tabada.  i have no problem with the surname tabada.  but fatrick?  was ist das? ???
Republic Act 8485 (Animal Welfare Act of 1998, Philippines), as amended and strengthened by House  Bill 6893 of 2013--- violation means a maximum of P250,000 fine with a corresponding three-year jail term and a minimum of P30,000 fine and six months imprisonment



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