Wiped out ang allowance
kahit mid-week palang?
I know, tao lang at natutukso rin tayong
bumili ng mga gamit na hindi natin
kailangan.
May ibang hindi makawala sa peer pressure.
Nahiritan lang na manlibre
bumigay naman.
Madalas hindi natin na-re-realize na ito
ang dahilan kung bakit
hindi natin maayos ang pagbubudget ng allowance.
“Hindi pa naman ako nagta-trabaho at sumusweldo, Chinkee.
So okay lang.”
Excuses, excuses.
Estudyante nga lang pero
humahawak na ng pera.
Kung hindi mahawakan ng maayos
ang funds natin ngayon
Paano na lang kaya kung nagta-trabaho na tayo?
As early as now, we can do these things
to give us a head start
and help us cultivate good saving money habits.
TRACK YOUR EXPENSES
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- Snacks – P 50
- Photocopying fee – P15
- Jeepney fare P 20
I-lista lahat sa notepad
or sa phone ang mismong amount
na ginastos.
This makes us aware kung sumosobra
na ba ang paglabas sa ating limited allowance.
START SAVING
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I always say this.
Start small.
Diyan nag-uumpisa ang pag-iipon.
Subukan mag-tabi ng P50 per week or
kung magkano man ang kaya nating itabi.
Pwede rin na as soon as you
receive your allowance, set aside
an amount na willing tayong itabi.
20 percent ba ng allowance mo?
10 percent?
Pag-isipan mo ‘yan.
Try using money saving apps
to track down your expenses
READ UP
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Ugaliing magbasa at magtanong
tungkol sa pag-iipon
at tamang pag-manage ng pera.
Financial literacy kung tawagin
ang kaalaman tungkol dito.
Madaming free reading materials
na available online.
“Ang habits habang bata ay nadadala hanggang sa pag-tanda.”
-Chinkee Tan, Filipino Motivational Speaker Philippines
THINK. REFLECT. APPLY.
- What would it take para gustuhin mong mag-save?
- Kailangan mo na bang baguhin ang ways kung paano ka humawak ng pera?
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?
Become an Iponaryo this year and sign-up for Ipon Pa More event here,
https://chinkeetan.com/ipon-pa-more
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