Kamusta naman ang kundisyon ng iyong 13th month pay?
Buo pa ba o 13th month pay na ‘waley’?
Ilang araw pa lang mula nung nakuha ito
saan mo ito nailagay?
“Siyempre sa new phone!”
“Travel for 2018”
“Eh nag-shopping ako.”
Aww. Sayang naman kung dito
lang napunta lahat ng extra money natin.
13th month is an opportunity to save it,
increase your emergency and retirement funds.
But since nagastos na, maghihintay na naman
tayo ng next year para dito.
Paano kung mawalan tayo ng trabaho?
O ‘di kaya’y may mangyaring ‘di inaasahan?
Handa ka ba at may madudukot pa din?
“I want to reward myself.”
“Grabe naman, ngayon lang naman.”
“Nakakatempt eh.”
Okay lang naman kung ito’y pinag-ipunan
at magalaw man, may mapagkukunan pa.
Ang hindi lang maganda, kapag ito na nga lang
ang last money natin, hindi pa natin ginamit ng maayos.
Huwag hayaan kung saan lang mapunta
ang perang pinaghirapan natin.
Allow me to help you and I hope
it’s not yet too late.
NEED BA IYAN O WANT?
(Photo from this Link)
Ang NEED, essential sa ating buhay ‘yan.
Tulad ng food, shelter, clothing, investment.
Mga bagay na kailangan natin to
live a comfortable life now and in the future.
Ang WANT, wala lang, gusto lang.
Hindi importante pero binibili.
Hindi pa naman sira, papalitan.
Kabibili lang, bibili na naman.
Kung WANTS ang mananaig
walang duda, wipe out ang 13th month natin.
ANONG DAHILAN?
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Bakit mo…
Bibilhin?
Papalitan?
Gagamitin ang pera para du’n?
Kadalasan tayo, may mahawakan lang na pera
feeling natin jackpot na. Kasi ang tingin natin
sa extra money, ay perang pwedeng lustayin.
Kaya kahit wala namang valid reason,
gagalawin ito para masabi lang
na ‘nafeel ang 13th month’.
Ask yourself first WHY
before maglabas ng pera.
Need ba ito o want?
May valid reason ba?
Kung Want lang at
Wala naman objective, huwag na muna ituloy.
BE WISE.
(Photo from this Link)
Gaya nga ng sabi ko, our 13th month
is an opportunity for us para makaipon at
makabuo o madagdagan ang ating
emergency and retirement fund.
This is also an opportunity para
finally, makapag-invest tayo o ‘di kaya’y
makabayad na ng utang para matapos na.
Gamitin sa tama ang extra money.
Gamitin para gumaan ang buhay.
Huwag pakasaya now, nganga naman later.
When you save money, you can live better in the future.
“Huwag mong ubusin sa isang iglap ang 13th month pay na bunga ng iyong paghihirap.”
-Chinkee Tan, Filipino Motivational Speaker
THINK. REFLECT. APPLY.
- Saan mo ginamit ang iyong 13th month?
- Naging wais ka ba sa paggamit nito?
- Anong dahilan bakit du’n mo ginastos?
Are you having a hard time saving money? Do you want to know the best ways to save money and how to save money fast? Are you willing to take money saving challenges so that you can manage your finances?
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Chinkee Tan is a Wealth Coach, Keynote Speaker, and Best-selling Author on personal finance and wealth management. He has written 16 best-selling books and counting. His mission is to equip millions of Filipinos to be free from financial stress & experience financial freedom.