As promised
Second part na ng:
“Reasons why people go broke.”
Mag-review muna tayo ng TOP 5:
- Not Prioritizing savings
- No Budget
- Lack of Financial Discipline
- Living beyond our means
- Borrowing money to support lifestyle
Eto na ang NEXT 5 na dahilan
kung bakit we go broke.
Let’s continue, shall we?
SUPPORTING TOO MANY FRIENDS AND RELATIVES
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I get it, we want to help.
Pero hindi lang pera ang paraan para makatulong.
Madami pang ways, kapatid.
It can be emotional support or help them look for additional income.
Pwedeng makatulong sa serbisyo.
Mag-offer na ipag-drive sa pupuntahan niya
Take the time para pakinggan ang mga rants niya
O kaya pick up the tab sa susunod na lalabas kayo.
Whether it’s your time, money or energy
Ibigay lang ang kung ano ang kaya.
HAVING VICES
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Sigarilyo
Sugal
Alcohol o shopping.
We go broke kapag bisyo ang hobby
Resulta, mabilis naglalaho ang pera.
Addiction is something we do repetitively.
So it means
We will just spend repetitively too.
Bago pa mag-reklamo kung saan napupunta
ang budget or allowance
I-check muna kung may ginastos tayo
sa ating mga bisyo.
NOT HAVING AN EMERGENCY FUND
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We go broke kapag wala tayong emergency fund
*knock on wood*:
- Kapag mawalan ng trabaho
- Magkasakit o
- Magsara ang negosyo
Epekto nito
Wipe out ang savings.
MAKING BAD FINANCIAL DECISIONS
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Huwag magpadala sa mga sabi-sabi.
Iwasang maniwala at masilaw agad-agad.
Before making any decisions, and I mean ANY…
Make sure to consult those who knows about it.
Learning from other people’s experiences is the best teacher.
LACKS FINANCIAL EDUCATION
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Read books, attend seminars, trainings, or
Find coaches or mentors who can help and us make wise decisions.
Don’t do it alone.
Consult.
Ask.
“It’s not the money that makes us broke, it’s the lack of knowledge”
-Chinkee Tan, Filipino Motivational Speaker
THINK. REFLECT. APPLY.
- What do you think are you doing wrong?
- How do you plan to address the problem?
- Are you ready to start over?
Are you having a hard time making saving money a habit? Do you want to know the best ways to save money? Are you up to having a money saving challenge so that you can manage your finances?
Become an Iponaryo this year and sign-up for Ipon Pa More event here,
https://chinkshop.com/
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WATCH THE YOUTUBE VERSION OF THIS BLOG:
“10 Reasons why People Go Broke”
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