Good Housekeeping couldn’t have picked a better cover girl for their budget-centered September 2013 issue than Jodi Sta. Maria. The Be Careful With My Heart star definitely knows where to put her hard-earned cash.

Pag kunyari may money na nandiyan, lagi kong iniisip kung saan ilalagay, bilang investment (When I have money, I always think about where I should place it, where I should invest it),” she had said. She has stayed true to her financial mantra by pouring her cash in two successful restaurants: Rue Bourbon and The Happy Barn Milkshake Factory.

FN got a chance to talk to Jodi about money matters during her cover shoot, and she shared a lot of helpful tips and tricks during our hour-long chat with her. Read on for a few of them!

1. SEPARATE YOUR SAVINGS.
“Open a separate account for savings lang,” Jodi advises. “And pag linagay mo na 'dun 'yung money… Isipin mo na natapon mo na 'yung money na 'yun. Kasi pag lagi mong iniisip na may money ka, mas meron kang urge na mag-splurge or mag-spend (Open a separate account only for your savings. And once you put money there… forget all about it. If you always think that you have money to spare, you’ll have a stronger urge to splurge or to spend.).”

2. KNOW WHAT YOU WANT AND WHAT YOU NEED.
Kailangang ma-differentiate mo kung anong kailangan mo and kung anong gusto mo (You have to differentiate between what you need and what you want.).”

3. KEEP TRACK OF YOUR EXPENSES.
“It’s important na you jot down all your expenses versus how much you earn,” Jodi says. “Kailangan unahin mo muna yung mga kailangang bayaran… 'yung mga hindi mo na pwedeng tanggalin. Gas, food, yung mga bagay na 'yun, basic needs (You have to prioritize the things you have to pay for… the essentials. Gas, food, those things, basic needs.).”

4. CUT COSTS WHENEVER POSSIBLE.
Siguro kung pwede namang bawasan, kung pwede namang magtipid, kunyari, kung pwede namang isang aircon lang ang bukas, bakit hindi. Kung pwedeng isang kotse nalang ang gamitin panghatid-sundo, bakit hindi (Maybe if you can lessen your expenses, if you can cut costs, like if you can make do with turning only one aircon on, go for it. If you could use one car for all your errands, go for it.).”

5. MAKE GOOD INVESTMENTS.
Jodi, who counts real estate, business ventures, and jewelry as great investments, cautions against pouring your money on things that do not appreciate. “With designer stuff… whether cars, or clothes, or bags, no matter how expensive [they are], di ba, hindi mo naman siya mabebenta at the price na nabili mo siya,” she says. “Hindi naga-appreciate 'yung value niya, not like pag bumili ka ng lote, after ilang years, makikita mo, 'yung example na piso per square meter, after five years, five pesos na siya (With designer stuff, whether cars, clothes, or bags, no matter how expensive they are, you still won’t be able to sell them at the price you originally bought. The value doesn’t appreciate, unlike when you buy a lot--after many years, for example, if you bought it for one peso per square meter, after five years, it’s already five pesos.).”


Learn more about Jodi Sta. Maria by grabbing a copy of Good Housekeeping’s September 2013 issue, out on stands now! You can also subscribe to the magazine’s digital edition.

Also in this issue:
"Help! My child is being bullied on Facebook"
Money Secrets, Revealed!
Look Great on a Budget

(Photo by Mike Dee)

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