Ever experienced spending more than the
planned budget?
‘Yung tipong pati
emergency fund at extra ay
nagastos nang ‘di oras dahil sa
unnecessary expenses?
Kaya ang ending,
utang na naman…
Hanggang sa naging cycle
na mahirap nang takasan.
Mula sa mga nakalipas na topic natin sa pag-i-ipon,
from incentives to the 13th month to Christmas bonus,
I really hope na malaki-laki na ang ating savings
sa pagpasok ng taong ito.
We need to succeed in resisting the urge to overspend,
otherwise we will be kept in bondage to deeper debt and scarcity.
Kaya ang payo ko para sa mga IPONaryo:
1st IPONaryo tip: Matipid at hindi maluho: (http://bit.ly/2BJH4kZ)
2nd IPONaryo tip: Kuripot pero hindi madamot (http://bit.ly/2E0BV5j)
3rd IPONaryo tip: Iniisip ang future (http://bit.ly/2zZ8WMh)
4th IPONaryo tip: May pangarap, hindi puro pasarap (http://bit.ly/2lPoWMg)
5th IPONaryo tip:
“Wais at hindi waldas.”
Dahil ang tunay na IPONaryo…
THINKS WISELY AND SPENDS THRIFTILY.
(Photo from this Link)
Meron silang mindset na
bago bilhin ang anumang produkto,
they will think about its purpose, quality,
price, person/s that will benefit, and
the urgency of the need to buy.
Hangga’t maaari ay iniiwasan nila ang
“impulsive buying”. At kung bibili na sila,
add-on sa standard nila ang totality ng magagastos.
Hangga’t maaari ay dapat
swak pa rin sa budget.
PLANS AHEAD AND KEEPS RECORD.
(Photo from this Link)
Ang tunay na IPONaryo ay
nagpaplano ng future expenses,
not only savings and investments.
Yes, kasama pa rin ito sa tamang pag-ba-budget.
They apply the principle of being detailed.
They still prefer to track their own finances,
from centavos to bills kaya meron silang
record book para dito o kaya mga money saving apps sa cellphones.
USES DISCOUNT COUPONS AND OTHER REWARD CARDS.
Hindi nila ipinagwawalang bahala ang
discount coupons na natatanggap sa promos
sa department stores or shops.
Uulitin ko, sila ay ‘detailed’.
Hangga’t may alam silang ways to
spend thriftily ay hindi nila palalampasin.
To know more about how to be an IPONaryo,
Join me on my next seminar:
#IponPaMore: Hit Your Financial Goal This 2018!
January 20, 2018
Victory Greenhills Center
P500
There’s no secret to it. Saving is the way to go. And I want to teach you a roadmap to building your personal savings. This is your journey to experiencing financial freedom and becoming wealthy and debt free.
Are you interested?
Click here to register: https://chinkshop.com/
“Ang tunay na IPONaryo ay wais at hindi waldas.”
-Chinkee Tan, Filipino Motivational Speaker Philippines
THINK. REFLECT. APPLY.
- Nais mo bang maging tunay na IPONaryo this time?
- Ano ang mga dapat mong i-consider at baguhin sa paggastos sa taong ito?
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