Saving Electricity on Air Condition Use

I saw this smart idea while watching Hanep Buhay episode - put your room aircondition on timer and set to 2-3 hours only. Then, turn your electric fan to spread out the remaining room temperature...

make sense.

Cash Flow - Pinoy Reality

This one’s just forwarded to my mail inbox. It’s an article which I think is really useful, and helpful, especially to those who are employed and how they handle their cash. I decided to post it here to give this article more exposure as to benefit anyone or everyone in the same state as targeted by the article… the email message ha the subject: CASH FLOW ( funny but true)

Here’s the article, sana makatulong sa inyo ito:

There are those who e-mailed me asking about the basics of cash flow. I’m really sorry that I assumed everybody already understands it. Anyway, by demand … here it goes…

May isang bata… joke lang.

The basic is. What pattern do you see if you will get a P100.00 bill and monitor where and how it is transferred from 1 possessor to the other? How does it flow? The pattern for a typical Pinoy is.

You earn from your work, you spend it on food, gadgets, clothing and other basic needs. Before you reach the next payday, paubos na yung pera mo. But that’s ok payday is just a few days ahead and it doesn’t matter if I run out of money, I am expecting money again any time soon.

This cycle goes on and on and you make some sidelines or create other ways to earn but it seems that money was never enough.  (I am tempted to explain further pero usapan… basics lang).

So you can’t leave the job that you have because a week without work would affect the cash flow you have to support your family and needs. As much as you wanted to accept another job, the gap would make you pay less for a couple of days, which makes you a slave to your boss.

At least, you have a job to support your needs.

So to illustrate.. .Cash is flowing inside your pocket.

Years have gone by doing your monotonous routine.

Question… what if you get fired? Or you were forced to retire because there are new and younger people ready to take your place. What would you do?

As an OFW, Makati Executive, Top Salesman, Engineer, Attorney, Teacher, etc…  What if it all ends? The sweet cash that enters your pocket every 15 th and 30th suddenly comes to a halt.

There are two things you can buy with your money…  An asset and a liability. To describe each… An asset brings money inside your pocket; a liability takes money out of your pocket. Another way to see, it is that an asset if you buy one, will bring the money you spent for it back to you 2 or 3 folds. A liability, when you buy it will not give your money back at all.

Sa madaling salita… kapag asset, maibabalik ang pera , pag liability, goodbye sa pera…

Ang problema kay JUAN DE LA CRUZ, habang may trabaho ipon ng ipon at bili ng bili ng liability!

I have seen OFWs get back to the country with gold chains at kung pwede lang limang shades ang isuot ng sabay-sabay gagawin nya eh… dvd, component, jackets, clothes, inuman, pulutan, party, pabango… hindi na makalakad sa dami ng bitbit…

At s’yempre mga empleyado natin dito sa bansa na lingo-lingo bago cell phone at mags ng kotse.. hindi na nga magkasya ang damit sa aparador, tapos pag umaga sasabihin… . wala na akong maisuot.

Well, konting isip… what you bought… will it bring money back to you? I know what you have in mind… you have to enjoy what you worked hard for. That’s right, but think of something that will last… think of your future.

I have seen the worst of people who were abogado de kampanilya, executive secretaries of top rank business men, people who worked for big companies, earned a fortune and got a big retirement pay by the millions… Now…. Wala na.

Why? Because of their cash flow… went in… went out.

I need not to mention basketball players, actors, singers, etc… Check what is their career path… next after acting, singing and playing… POLITICS. Kasi, ‘yung million na kinita nila, puro liability ang binili.

Going back… all the liability they bought, ibinenta ng mura! I’m wearing a gold chain now, which I got from a seaman… he bought it for P35,000 and sold it for 8,000 to me.  Hindi po asset ang alahas! Bakit? Totoo na tumataas ang value n’ya pero kapag gutom ka na, kahit palugi ibebenta mo! (wala bang aaray?) Cell phones… dvd players etc. pati bahay at kotse… that’s the cash flow of most OFWs…

The question is … " WHAT IF THE INCOME STOPS?"

Sa Pinoy, ganito: anak… mag-aral kang maigi, at pag tanda namin… ikaw na bahala sa amin ha….  Hindi po ba maling-mali. ..

You have to establish something today that will take care of your future.

Teka, teka… eh ano ang dapat gawin para hindi mangyari yan?

You must create a source of income that will continually make money flow inside your pocket. Start a business! While you are working as an executive or an OFW, or a professional. .. START A BUSINESS and MASTER that business till you get out of that company. Para kapag tumigil ang income mo sa kanila… may susuporta pa din sa iyo hanggang pag-tanda mo!

Now don’t tell me to invest my money on pensions and plans… NO WAY ! Narinig n’yo na siguro yung …. Naku ayaw ko na magbanggit.. .. ‘yung mga nagbayad at hindi nakapag-claim. .. sila pa ang dinimanda at nag-piyansa! !! HUWAG MO I-ASA ANG PAGTANDA MO SA IBA! GUMAWA KA NG SARILI MONG BALON NG PERA!  KAHIT MALIIT PA ‘YAN, SARILI MO AT HINDI KA AASA SA IBANG TAO…

Imagine yourself when you reach an older age… (aruy ko,,, baka yung iba sa inyo about that age… tabi tabi po…Ako po sa mga nagtatanong. .. I’m 37 years old. Naabutan ko pa si Michael Jackson at hinele po ako ng nanay ko sa mga kanta ng hagibis…). You have money that the company gave you as your retirement pay… what will you do?

You can consume the money till your old… eh kung hindi umabot?  Masamang damo ka pala… at hindi ka kaagad kinuha ni Lord. Eh pang age 65 lang yung naipon mo na budget.

Or maybe, you can start a business and use the money for capital… Kapatid… 9 out of 10 businesses, FAILED… yung isang magsa-succeed, gagayahin pa ng kapitbahay mo instead na mag-franchise sa ‘yo… think! At age 50, you are struggling trying to make a business work! What if it fails?!

Eh ano nga ba ang sagot?

The answer is, stop buying liabilities and instead buy assets now. I don’t care if it is a banana-Q store, balot, ice candy or a sari-sari store, etc… start now! Because, your experience here will teach you what to do in the future.  It’s so hard to struggle in business when you are 60 yrs old.

You have to create a source of income separated from the source of income from your work. That when the time comes that you have to stop working, you will have your own source of money! Create assets, start a business that will be there to support you and your family. I AM NOT TELLING YOU TO QUIT YOUR JOB! I’m telling you to start a business while you’re working and stop spending your money on liabilities and start putting them on assets!

Ang pera kapag pinambili mo ng LIABILITY… hindi na babalik… ang ASSET… BABALIK.

Teka… masama ba bumili ng mga magagandang gamit? Hindi! Siguraduhin mo lang na ang pambili mo nun ay galing sa asset mo. The business has to be prioritized! Mawalan ka man ng trabaho, may negosyo kang palalaguin.

If before, nabubuhay ka naman ng iisa sapatos mo, huwag mo baguhin ‘yun… dati, nagdyi-jeep ka lang… ‘wag ka na munang mag-FX…

Create assets and lessen liabilities. Invest and learn now… mag-negosyo!

Eh anong negosyo? Any, as long as you think it is work and doable! I am still looking for partners for my HOME MASSAGE SERVICE! SPA MAGIC! And my business CAR MAGIC is still franchising. .. (joke lang … baka sabihin nyo nag pro-promote lang ako eh…But I AM PROUD TO SAY THAT ALL MY BUSINESSES ARE ORIGINAL AND ALL ARE GRAND ASSETS!

I started all my businesses with a very small capital. If I used that money to buy a gadget, new shoes or any liability… baka wala lahat ng negosyo ko at wala na akong makain ngayon.

Again, I hope that this BASIC CASH FLOW article helps…. I wish all of us become financially free!

FROM AN UNKNOWN AUTHOR

PAKIPASA…
MAGANDANG EYE-OPENER ‘TO!!!

Sosyal di ba? May eye-opener na, noon can opener lang…

Saving Money in the Shower

I am sure majority of us never thought that morning shower as another way to save money. But, there are a lot of little things we can do to reduce the cost of keeping clean and neat. Even if we’re still half asleep, that won’t mean we want money needlessly running down the drain. Here are a few ideas I found out on how we can save money in a shower:

Take shorter showers - It may feel good to stay in water, but it costs money (plus warm water dries our skin, anyway). Use a timer to control shower time.

Do a Navy shower - My husband used to say this. In a Navy shower, you just get yourself wet then turn off the water while you soap up and wash. You turn the water on again to rinse yourself.

Use a pail and dipper (tabo) - I’m getting used to this new habit of turning faucet’s both cold and warm to get to my right temperature and using the right amount of water.

Install low-flow shower heads - These reduce the amount of water that flows out and they’ve come a long way. They no longer condemn you to a trickle of water. Many offer a comfortable flow of water.

Shower less often - If you shower twice a day, can you get by with only once?

Shower, don’t bathe - Baths use far more water than showers. The occasional bath is a nice treat, but a bath every day is a big water waster.

Keep those razors in good condition - Avoid leaving razor in the shower. Blades that are constantly wet usually get rust and will not last as long as those that are stored in dry cabinets. Wipe it dry and put it away. If you use an electric razor, follow the care and cleaning instructions to make certain it lasts a long time.

Use towels/washcloths more than once - Unless you are really filthy, you can use your towels and cloths more than once. You can easily get by with changing them once or twice per week. Hang them up to dry when you’re done showering to keep them from mildewing or stinking. This will make them last longer and reduce your laundry bill.

Use less and fewer products - Try using less of your current soaps and shampoos. Instead of a big squirt, try a teaspoonful. Experiment to see if you can get the same results with less. Experiment with how often you use products, as well. Do you really have to shampoo your hair every day, or will every other day do? You can also try using fewer products in general. Do you need shaving cream, or can you get by with just water? Does your hair require conditioner or do you use it just because you think you’re supposed to? Do you need three different kinds of shampoo? See if you can do with fewer products. And don’t forget to use up all of your products. Turn bottles upside down to get the last bits out and mold left over soaps to the new bar so it all gets used up.

Recycle the water - Catch the grey water into a bucket, then use it to fill the toilet… I know it’s yak sometimes!

A shower doesn’t seem like much in the everyday scheme of your spending. However, a few small changes can add up to big money saved over time.

Prepare Meals at Home

Instead of eating breakfast on the way to work, try eating breakfast at home instead. Also, make your own lunch at home and bring it with you to work. It is amazing how much money you will save by preparing your own meals.

Also, instead of drinking soda, drink water instead -- it will also help you watch your weight. Snacks are something you can bring from home as well. Choose healthy snacks, such as fruit.

Save Ink The Way We Print

Good news for those who uses their printer a lot often for there is another way of prolonging the life of ink, thus saving more to our wallet. This is by changing the font the way we print our documents. Instead of using the common font Arial, why not switch to Century Gothic which is still readable. Research found out by Printer.com that Century Gothic uses about thirty percent less ink than Arial. Other popular fonts are Times New Roman, Calibri and Verdana.

More info could be find at GMA News

13 Tips For A Fuel Efficient Driving

Gas price is on its highest again since 2008 and no one could guess when this situation ends. Somebody out there is controlling the price of this very useful commodity. If someone could only get our acts together and put an end to this. I am a woman, who happens to work in the medical field, just trying to live simple enough to save for my family, and I don’t really much have the techno and the mechanism of an automobile. Oh yes, good enough for my family to understand the expense of driving a car. To drive you need to buy a car, and that is one big expense. To go from point A to B you need to put a gas on it, and the list goes on. All I know is whenever I have the urge to go somewhere, I click the remote, sit in the car, turn on the engine, shift the gear and drive. I didn’t even know how to fill up the gas tank until recently my husband taught me.

Let me summarized one more time, to have the luxury going anywhere you need the ff:

1) Drivers license - cost P2000/3yrs
2) Buy a car – decent price of P300,00
3) Car registration/ insurance – P4000/yr
4) Gas – with my average daily needs P100/month
5) Maintenance – P300 per month including car wash, oil and filter change,

I have tried to gather all the information (not only from my own experience) from friends and from you the internet users and here’s what I got. I hope it helps you in some other ways saving those hard earned money and most of all, less polluting on the environment.

1. Drive less, take public transportation. Exercise if you can by walking or riding a bike, it’s also good for the environment
2. Drive during less busy times if possible ( a vehicle in motion burns less fuel compared to one sitting in traffic)
3. Don't spend more than 45 seconds warming up your car. Or you can slow start moving the car while warming up
4. Do not use air conditioning unless it is needed. Use of AC can lower your fuel economy by 10 percent
5. Fill up tank slowly - you get less air and more gas
6. Fill up in the morning or evening and not during the daytime. Gas is usually more dense when it's cold. . .and therefore you get more bang for your money
7. Only half fill your tank to save weight, less weight will be less harder for the engine
8. Keep your tires properly inflated. They said inflating your tires a little over is good, less friction between the tire and the road but it sacrifices your safety
9. Remove all excess items from your car or trunk area. The extra weight will cause you to get worse gas mileage
10. Do not make sudden stops or start your engine quickly. Gradual acceleration and deceleration makes your engine run better and consume less fuel and save money. Keep a distance and maintain a certain speed without braking too much.
11. Watch your speed. Driving at 120 kph on expressway rather than 90 kph will save you money by improving your fuel economy
12. Know your area well, find good gas prices where you can get the best return for your money
13. Apply for a credit card which offers gas savings when you use the card for purchases