8 Rules to Keep Your Piggy Bank Happy

Did you ever wish you could do these steps “I see it, I like it , I want it, I got it” I know I do! wanting Ariana’s 7 rings song as my anthem but going to reality it becomes “I see it, I I love it, I check it, I leave it” hahaha!

Today’s post is about the importance of being a Smart Rich Person and how to be a step closer to achieving it.

First, What is a Smart Rich Person?

It is someone who knows how to run his/her money.

As Robert Kiyosaki’s saying

“Money should work for you not you for it or you will end up as a slave”.

In my personal experience especially as a graduate, I understand the value of money because my parents do not have any obligation to buy the things I want anymore and that I have to work for it.

Here I share some tips I use and have done so you can have an idea or be helped in the crisis of spending on the most ridiculous things you want especially since lazada’s big sale, shoppee‘s 12.12 christmas sale and tempting food delivery promos are coming up this season hahaha

1.) Save First Spend Less

“Save first Spend Last” is my mindset because in this way you will avoid spending too much and saving nothing at all. Try using a percentage of your salary or any income to save and you can just spend the extra to avoid the Rat Race where you will be going to work getting paycheck temporary richness then spending and no money again and work again ongoing for the rest of your life so saving is important.

2.) Income Options

If you have free time or can manage other things aside from your full-time work, why not go for a sideline such as opening an online business or do freelance photography. Anything that you can earn from is every penny worth to earn and save more.

3.) Download Money Apps

They are actually important for me as I keep track of my expenses especially when I am out. It makes me aware to actually stop already cause piggy bank is unhappy lol. It also gives me the idea of how much I should earn to pay back those expenses.

4.) Make a Category budget

I got this from my mom, I would put categories of my expenses from skincare, makeup, food, transportation, gadgets and etc. I would put in some percentage from my salary so that when I needed to buy something, I have money. See it as an installment and investment you thank your past self.

5.) Don’t make comparisons

Every one of us can have the feeling of comparing ourselves to another person and it will only result in envy that makes us buy the things not needed. Then after you buy it, you will just regret it so it’s better to focus on yourself and be patient. Impulsive buying is one of the things that will cost you greatly. Spending money cannot be rushed because it definitely doesn’t grow on trees or picked up on the streets. Just be motivated, work hard, and focus on yourself and just let the money come to you don’t throw it away hahaha

6.) Invest in the things you need the most

Number one is the needs before wants. You should keep in mind in your categories that food is important than makeup or gadget.

7.) Be Patient

I saw this tip on Facebook wherein you should wait for a week before you buy that stuff so you can contemplate if you really need it or you are just caught up in the moment especially when it's on sale.

I tried this during my visit to Miniso lol. I love collecting notebook designs so I saw many pretty notebooks and told myself ‘no! you are just caught up. You need to save money, it’s a pandemic what will you do with this?’. After a few weeks up to a month yay! I was not able to spend my money on it anymore hahaha took myself out for food instead (HAHAHA priorities guys come on can I eat a notebook?lol)

8.) Discipline

The most important rule is discipline no matter how hard you try the tips above but you’re not doing it or maintaining it would all be useless. You should be able to discipline yourself to stick to the budget you put up yourself because only you can save or lose money. (Remind to self 😭)

Before we end, meet my Piggy Bank who has fallen asleep because its been months that I have woke her up for coin deposits, and she is very much triggered HAHAHAHAHA sorry will need to do the tips again so DISCIPLINE GUYS! lol

There you go! It’s really a struggle to keep your money safe and keep Mr or Miss piggy happy but as Ms. Heart Evangelista said

“You can get that darn bag once you save for it but nothing beats sleeping well at night knowing you will be fine for the next 10 years of your life”.

So what’s your piggy bank’s condition now? hahaha

Debits before Credits

Mz. Nina 💰