继应对一月份财务压力的建议——如债务管理和初步储蓄——之后，专家们为菲律宾提供下一步建议，以建立稳固的理财习惯，包括设定目标、优化预算和谨慎投资。
以设定具体、可衡量的目标开启2026年，例如建立相当于三个月薪水的紧急基金。例如：“到2026年6月，我应该在紧急基金中至少存有一个月薪水”，存放在流动性好的稳定银行账户中。
通过至少两个月跟踪支出来优化预算——在菲律宾由于信用卡自动链接有限，通常需手动记录。使用杂货、公用事业、租金、外出就餐、宠物、交通和娱乐资金等类别建立基准。将储蓄视为固定“账单”，占到手收入的20%，租金控制在30%以内。
基础就位后，用小额资金如P1,000至P5,000开始投资，以评估风险承受能力。考虑低风险债券（借贷给政府或企业）、高风险股票以获取流动性、多元化的共同基金或UITF，以及少量配置到加密货币或黄金等另类资产。
本文属于新年个人理财系列。
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