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Magkano dapat ang emergency savings?

Magkano ba dapat ang emergency savings?

Ang rule of thumb na ginagamit ko ay equivalent sa 9 months worth of expenses. Pero kamakailan, narinig ko sa aking iniidolong financial expert na si Suze Orman na ito ay 12 months worth of expenses na dahil sa karanasan natin sa pandemic.

At first glance, nakakapanghina ng loob ang laki nito. Kaya minabuti kong gumawa ng guidelines ayon sa kita kada buwan.

Majority of Filipinos earn below PhP20,000 per month which barely covers expenses for a family of five to live a decent life. Kaya mahirap talagang mag-ipon.

Pero siyempre, hindi dapat ito maging hadlang. Kailangan pa ring kayanin.

 

Kung ang monthly income mo ay <PhP20,000 kada buwan ang target amount of emergency savings mo ay katumbas ng isang buwang gastusin. Ipunin ito sa loob ng 12 buwan.

Sa mga kumikita ng PhP20,000 to PhP50,000 kada buwan, ang target emergency savings ay 3 months worth of expenses. Ipunin ito sa loob ng 18 months.

Kung ang monthly income ay PhP51,000 to PhP100,000, ang target emergency savings ay katumbas ng 6 months of expenses. Ipunin ito sa loob ng 24 months.

Belong ka sa top 2% ng income earners sa Pilipinas if you earn more than PhP100,000 a month. Your target emergency savings is equivalent to 1 year worth of expenses. Ipunin ito in 36 months.

Save as much as you can. Mas malaki, mas maganda. Pero kung hindi kaya, gamitin ang guide na ito. Save 10% of your monthly income if you earn below PhP20,000 a month; and save at least 15% of your monthly income if you earn more than PhP20,000 a month.

Ako si Sir Vince, ang inyong financial guro, nagsasabing ang pagyaman, napag-aaralan at napagtutulungan.

USEFUL RESOURCES

Sources of information and practical tips on money management

Different kinds of investments

Preparing for retirement

How are articles on retirement

  1. 10 Commandments of retirement
  2. Mga kinakatakutan ng retirees at paano ito paghahandaan
  3. Magkano ang matatanggap mong SSS pension upon retirement
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