Managing family finances

managing family finances does deals on cooperative effort of every member of the family. in making a budget it is important to call the family in a conference for a participatory promolgation, construction of the budget. in this manner everybody will understand why certain matters, items should be avoided. in these tactics the head of the family will have a less headache and can call every member for help for the success of the budget.

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It means a lot

what does it means to be a pilipino? oh it means a lot. its my life, its what god destined me to be.

with all the weaknesses and the strenght in the filipino character am happy to be with my pilipino brothers here in our homeland. trying to be of help to my brothers and my community. as simple as that

Live within your means

live within your means....spend for experiences rather than stuff......cut down on your unnesessary spending....teach kids about money early on.....this are good tips a father can share to fellow fathers.

following these tips alow me to demonstrate the how, the why and the because of all this tips

live within your means is like saying that the head of the family must make a
budget as guidance for his financial management on spending, investment and savings.

spend for experience rather than stuff....
this is one of the best tips that is must for parents....just to test the effectiveness of this tips, ask your children about the toys you give them and what happen to it, next ask them about the field trip you have with them. about the bonding and closeness to each other that it creates. the memories that lingers in their mind. the toys they will forget and set aside but the visitation to zoo, parks, the beach the picnics all together are memories that will not fade away and its valued will last forever.

your success on inhibiting yourself from unnessesary espending will realy increase your savings for future investment

teaching your kids about money matters about spending and saving and most of all about the effect of economics in their life and their savings.

they also need to be taugh on how to earn money on their own and not just rely on what is given to them by their parents to save.

because if they understand economics on money matters they will not become a burden to their parents and to the community..by teaching the children to be answerable to their deeds. they will learn how to be responsible for their actions.

Ang anak ni mang juan

anak ni mang juan. marami kang magagawa

1. ang iyong mga magulang ay igalang at huwag sisihin sa kahirapan nangyayari sa bansa. ang sisihin ang nakaraan ay paghahanap ng mga kadahilanan sa mga sariling kamalian nagawa. siya kasi...siya kasi

walang katapusan turuan at sisihan na nagreresulta sa pagtatanggol sa sarili na para bagang sinasabi na kung hindi dahil sa mga maling gawain namana hindi sana ganitong maghihirap ako, ang bansa.

2. huwag mag aasawa ng hindi tunay na nakahanda sa pananalapi at tungkulin kakaharapin sa buhay bilang mayasawa.

baka magaasawa ka at iyaasa sa mga magulang ang pagkain at kabuhayan. at kung hindi mabigyan ay magtatampo at magagalit sa magulang dahil hindi naabutan ng pambili ng bigas at gatas ng anak.

3. pilitin mong makatapos ng pagaaral ng may natutuhan. dahil kung magbubulakbol ka lamang, ang mangyayari sa iyo ay nakamit mo ang iyong diploma ngunit kulang ang kaalaman mong natanggap dahil sa paglalakwatsa. huwag aksayahin ang panahon sa kaibigan at mga barkada.

4. ilayo ang sarili sa pitlag ng iyong ari dahil ang hanap niyan ay physical sensation ng wala sa panahon dahil hindi nakahanda ang kaisipan at katawan sa mga pananagutan kakambal nito.

5. tumulong ka sa kabuhayan ng iyong pamilya upang makaanngat at makaakyat sa panibagong andana sa kabuhayan. nasa tiaga at tulunga sa pamilya ang ikapagtatagumpay.

6. iwasan ang paginom at paninigarilyo dahil wala itong maitutulong sa inyong kabuhayan. pinsala pa ang magiging dulot nito sa iyong katawan

7. pangalagaan ang katawan laban sa mga bacteria virus at mga organismo na pipinsala sa iyong lakas.

8. pangalagaan at pagandahin ang iyong kapaligiran para sa isang matahimik at matiwasay na pamumuhay.

9. huwag makakalimot magdasal at makipagusap sa panginoon para sa iyong kinabukasan

10. magasawa ka pag handa ka na sa mga pananagutan ng isang buhay may asawa..........

11....12... ang lahat ay dapat mong gawin para sa iyong kinabukasan at sa ikauunlad ng ating bansa....tandaan mo ang mga iyan........anak ni mang juan.

At nagsalita si mang godo

at nagsalita si mang godo sa bagong kaisipan ng isang. nagmamahal sa bansa. salamat mang godo.

panahon na para itaguyod ng ating mga manunulat ang mga magagandang katangian ng pinoy, mga magandang katangian ni juan. mukhang hindi napapansin ng ating mga manunulat na malaki na ang pinsala nagawa sa katauhan nalugmok sa pagkaduhagi ng katauhan ni juan. kadalasan ang mga panulat ay alipin sa pagkaduhagi ng lumang kaisipan. malaki ang maitutulong ng mga manunulat sa ikapagbabago tungo sa magandang bukas ni juan.

sa nangyayari sa ating bansa ngayon, ang sintomas ng unti unting pagkamatay ng demokrasya ay nakita na sa congresso. ang mapaniil na kapangyarihan ng mayorya na hindi iginalang ang karapatan ng minorya na maisatinig ang damdamin sa pagtutol. kung mawawala ang karapatan ito. kung mawawala ang iyong
tinig, mawawala ang malayang demokrasya

Ang ano mang sabihin

ang ano sabihin ng sino mang pinoy, sino man siyang juan na humihila pababa kay juan ay alipin ng lumang kaisipan ayaw lumaya sa malalim na bangungot na kinalalagyan. lagi ng pinagtutuonan ng pansin ang mga kahinaan ni juan.

panahon na para pagtuunan natin ng pansin ang mga magandang katangian ni juan. mga magandang katangian na ating patuloy na ipagmamalaki. panahon na para ipamuhay ang mga magandang gawain bilang pagpapakita ng pagmamahal sa ating bansa. palagi na lamang natin minamaliit ang ating sarili sa tingin ng ibang lahi. ginagawa natin ang ating sarili na kakainin itik. kaya para sa iyo ...ka pinoy...huwag ipagngudnguran ang pinoy sa kanyang mga kapintasan dahil iyan ay pansamantala lamang ang pinoy ay hindi batang isip. dapat mo yan ilagay sa iyong kaisipan

Like buying shoes

taking lesson 4 invest in….like buying shoes

the action invest as i understand that there will always be a return in the form of profits

the example presented is clearly and is clarified as pure expence. there is no return of profit and in due time every amount will be consumed. the product is consummable items.

buy the cheap shoes and invest the rest ot the money to earn more money to be able to buy a better shoes and still have your money continously growing in your livelihood

Never stop anyone from participating

ooohhhh.....am not disagreeing with what karen has writen on her blog. i have explain my point. as i have explain as on my sideline observation.

am just new on reading blogs of others. i notice at the end of the blog that says.....leave a reply...to my understanding it means that the write up of the writer is open for reaction just like what you did, reacting to my reaction. so a discussion is now between reactor...... is at hand and karen is going to enjoy to what will transcribe. i hope so

THE TITLE OF THE BLOG IS SMART MONEY am i right. i appreciate karens write up and her perspective.

a poor man spending his money for a shoes that will last him for 5 years is not smart on the use of his money. its a luxurious espending for a poor man. am not rich but am not poor either. i buy my shoes worth 3000 pesos a very big amount for a poor man.the amount can be use for additional working capital for his livelihood endeavor.

i use my shoes on weddings, baptismal celebration, on burial of friend and aquintances. on going to manila and places. i use it in going to my small farm and in all my daily activities, the shoes leaks in a year time. now i buy a new shoes worth 500 pesos and i know it will also last for a year. am satisfied with the comfort in using this shoes

let us listen to expert and react or we become a copycat. it is in reacting that ideas can be expounded for better use in our economic activities. so the country will progress forward.

my advice...D ....never attemp to stop anyone for participating. its not healthy period

Money a system of budgeting

money problem can be anticipated by a system of budgeting. how can this be done.

at the start make a budget. list all the expenses that will normaly be necessary as it falls under necssity. next list all the assumed desire or wants that necessitate for allocation of funds. then the desired amount to save for emergencies and other sundries. total everything and you will know the amount you need.

now list all the sources of your income. sum them up and you will know if you are going to have a deficit spending.

if it shows a deficit then you can look for other sources of funds. avoid loans that you have to pay. you may also slash items in your budget which are on sundries or luxuries. avoid apropriating money to items not on the budget.

now you can partialy solve your problems

money is an instrument

money is an instrument that you can earn by using your physical bodies inherent capabilities. at times your body is called a money making machine. a reason why you have to pratect your body from viruses and bacterias and others that might inflict harm to your body

having money as an instrument you can use it to buy goods and services that you need and like.

you can earn money by selling your goods and sevices

on how you manage your money will show the difference between a beggar and a vendor.

but always remember that having lots of money or non of it does not make your soul poor or rich. it is on how you use the money that will define the difference.

the economy of the spirit gets the priority

Money does not grow on trees

money does not grow on trees….yes literally speaking.

in reality theres lot of money on trees. a sideline observation. one of the main reason of the drying of water shed is the loggers illegal cutting of trees. the number of hectarage of our forest is fast dwindling resulting to catastropic incidenses of flash floods in some areas.

another situation on my sideline observation. i have a land. the old man planted mangoes and is now fruit bearing. i take the joy of looking on those mangoes being harvested. they are money harvested from trees. looking positively theres money on trees. from the leaves, twigs branche of the tree that is a result of pruning.

but just like what your parents is saying ….work…work..you have to work to have money