“Ang tamang pag-gastos” – my first ‘tag-lish’ piece!

By Randell Tiongson on December 17th, 2012

Early this year, I was given an opportunity to share on personal finance to OFWs in Hong Kong through Smart & PLDT’s free publication called Smart Pinoy. I wish to share my first (and hopefully not last) attempt in writing a ‘tag-lish’ article. This is probably an article that I had to write with most difficulty and yet the outcome was not yet up to standards. Oh well, I can always try again….

*Thank you John Palanca and Greg Matubis (PLDT International) for being a risk-taker and publishing my pieces.

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Ang tamang pag-gastos

Marami sa atin nahihirapan mag ipon. Studies show that Filipinos are one of the lowest savers in Asia at ito ay isa sa pangunahing dahilan kung bakit marami sa atin ang nahihirapan sa buhay.

Alam natin na ang tanging sagot para makaalis sa kahirapan ay ang tamang pag-iipon. The most sensible advise we often give is this: “it’s not how much you make, it’s how much you save.” Ang tamang pag-iipon ay ang pinakamagandang solusyon sa ating mga suliranin sa pera.  Ang pag-iipon din ang pinaka malaking dahilan kung bakit natin iniwan ang ating mga minamahal at makipag-sapalaran maging isang OFW.  With proper savings, you can invest for the future and improve your financial condition which will eventually allow you to appreciate the fruits of your hard work.

Ngunit marami sa atin ang nahihirapan makapag-ipon kahit na lumaki na ang ating kita sa pag hahanap-buhay bilang isang OFW. Ang susi para tayo ay makapag-ipon ng maayos ay ang tamang pag-gastos. Kahit lumalaki ang ating kita pero lumalaki din ang ating gastusin, hindi rin tayo nakapag-iipon ng maayos. For us to properly save, we need to spend properly as well.

Dalawang uri ang ating pag-gastos, ito ay tinatawag na ‘needs’ at ‘wants’. Ang mga needs ay mga gastos para tayo ay mabuhay, samantalang ang mga wants naman ay mga gastos para tayo maging masaya. It is a good idea to start determining our expenses whether it is a need or it is a want. Ang mga gastos upang mabuhay (needs) ang ating pangunahing priority bago ang mga wants. Mga halimbawa ng needs ay rent, food, education, medicines – mga gastos na kinakailangan natin para mamuhay ng matiwasay. Samantala, ang mga gastusin na wants ay mga regalo, pasalubong, gadgets, shopping, sine, cell phone, load, restaurants, laruan, etc. It is important that we are aware of our expenses and categorize them according to needs vs. wants. As a general rule, needs should always be prioritized over wants.

Wala namang masama sa mga gastusin para maging masaya – lahat tayo ay nangagailangan matikman ang mga bagay na nagdudulot sa atin ng kasiyahan. Ang kailangan lang natin ay tamang prioridad. Maganda kung mailista natin ang mga gastusin at paghiwalayin ang needs vs. wants. Makikita natin sa listahan kung saan napupunta ang mga gastos natin, maayos ang pag distribute ng sahod at maitatalaga natin ang amount na pwede natin itabi kada-buwanan. If kailangan natin mag adjust para makapag-ipon ng tama, pwede tayo magbawas sa mga gastusin na wants.

Ang tamang pag-iipon, pag gastos at sakripisyo ay ang tunay na susi para sa isang matiwasay na buhay.

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5 thoughts on ““Ang tamang pag-gastos” – my first ‘tag-lish’ piece!”

  • Hi Sir, good read but a lots of typos. you really had difficulty writing this! hahaha :)) still sharing your article! 🙂

  • Hi Mr. Tiongson,

    I really learn a lot from your writings. As someone with no background in finance, I realized when I started working that I have to learn all these stuff on saving, investing, etc (that’s why I advocate including financial planning in our education curriculum, even just one subject on it). Your works really helped me a lot in gaining knowledge, weighing things, and making decisions regarding my finances.

    I noticed a lot of typos and some grammatical mistakes in this work and I’m thinking that maybe you could write some articles in Filipino (or Taglish) so that Filipinos who have limited knowledge of English will understand your writings. If you are planning to do so, I’m volunteering to edit your drafts, no charges 🙂

    God bless you 🙂

  • Thanks for the offer. Writing in Filipino is very challenging to me. I don’t have plans of writing one again but when I do, I’ll seek your help. Thanks again.

  • salamat po sa blog na ito,,nagbabasa po ako ng mga positive blog para pangwala ng homesick dto sa abroad while gaining knowlegde..i hope mkagawa din ako ng sarili kong blog soon so i can share my experience..kahit tagalog nlang heheh..pra makatulong po ako sa mga kapwa ofw.

  • Hello po Gud day,Ang Dami Kung natotunan Sa article Na ito,Sana po at magpatuloy po Kayo Sa pag gawA nAng mga ganitong article,Salamat po,

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“Ang tamang pag-gastos” – my first ‘tag-lish’ piece!