Nasubukan mo na bang ma-WIPE OUT ang pera mo?
As in SIMOT?
Gusto mo nalang maglumpasay kasi palagi nalang nauulit?
Nakakinis.
Nakaka disappoint.
…dahil parang cycle na lang ang nangyayari.
Hmm bakit kaya?
Ano kaya ang mali?
Let me share with you some of the reasons.
These might have led us to this sad situation.
NOT PRIORITIZING SAVINGS
(Photo from this Link)
Forever ko nang sinasabi ito
“ It’s not how much money you earn, it’s how much you keep.”
Kahit six figures pa ang kita o big promotion
If we are inconsistent
Always putting savings behind
We will really end up with nothing.
NOT SETTING A BUDGET
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If we don’t set a budget
Walang hangganan rin ang pag-gastos.
Sky’s the limit!
“Uy, may PERA PA ako sa wallet”
“Di bale SWELDO NAMAN bukas”
Know when to stop.
Mag-takda ng budget at sundan ito.
LACK OF FINANCIAL DISCIPLINE
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Kapag pinabayaan nating ang “FEELS” ang manaig
Siguradong palabas LAHAT ng funds.
Y.O.L.O (You Only Live Once) mindset
Shop ‘til you drop!
This will be the cycle of a person with no discipline.
Ending? Nga-nga.
Ubos ang pera.
Every single time.
Waaaah! 🙁
LIVING BEYOND OUR MEANS
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Spending capacity? P20,000
Halagang ginastos? P25,000
Hala sya!
From there, negative na kaagad.
If we always spend beyond what we earn
We’ll always end up broke or worst, in debt.
BORROWING MONEY TO SUPPORT LIFESTYLE
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One thing I’ve learned in life is:
“You do not ask your income to adjust to your lifestyle but you adjust your lifestyle to your income.”
Hindi natin kailangan manghiram para ipagpatuloy lang yung nakasanayan nating buhay.
Kumikita naman tayo.
We just need to play AROUND it.
“Our INCOME is limited but our EXPENSES are not. Mind your spending.”
-Chinkee Tan, Filipino Motivational Speaker
THINK. REFLECT. APPLY.
- Are you broke now?
- Saan ito nag-mula?
- What might be the other reasons?
P.S May part 2 pa ito! Watch out for it!
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