Kung babalikan ninyo ang 13th month pay,
Christmas bonus,incentives at totality
ng inyong sweldo last year,
naging satisfied ba kayo kung saan ito napunta?
O waley na natira?
‘Yung tipong akala mo meron pa
dahil malaki-laki ang nakuha,
aba nakakagulat na wala na pala!
Baka dahil sa ating non stop na pag-gasta?
“Paano mo nasabi ‘yon, Chinkee?”
Simple lang.
Walang hokus pokus o kung anung magic ang nakatago rito.
It’s our HABIT on spending and at the same time, saving.
Gaano pa man kalaki ang kinikita sa trabaho o negosyo.
Kung hindi gagamitin ng maayos, wala din.
or worst, baka mag negative pa tayo.
Parang cause and effect lang, kapatid.
WHEN SHOPPING IS LIFE.
(Photo from this Link)
Habit #1:
Dahil malaki ang sinasahod
monthly ay naging feeling rich na.
Kaya napapadalas na lang ang pagbili
ng damit sa kalapit na boutique.
“Eh okay lang may pera pa naman ako!”
Bago ng bago ang damit kada linggo
lahat ng makitang bago susukatin lang DAW
pero, sabay bibilin din pala.
Naging habit na!
Hindi na mapigilan.
Ang epekto?
Ayun sira na ang budget.
Sa mga ganito kasing pagkakataon
ay may tendency na ma-compromise ang
gastusin for necessities at di malayong kapusin.
WHEN FOOD IS LIFER.
(Photo from this Link)
Habit #2:
Dahil nga malaki ang
nakukuhang incentives at bonuses,
madalas rin ang pag-eat-out at celebrations ng barkada.
Minsan, feeling natin unlimited ‘yung debit card natin.
Ang epekto?
Overspending.
Magugulat na lang tayo,
less than a hundred na lang ang laman ng card.
Pagkatapos ay mangungutang.
Kapos na kapos na ultimo basic needs
wala na mapagkunan.
WHEN IPON BE THE LIFEST!
(Photo from this Link)
Habit #3:
Sa bawat sweldo at incentives na natatanggap,
ay nagba-budget at nagtatabi tayo ng 10% to 15% as savings.
Prioritizing the most to least na mga gastusin.
Ang epekto?
We develop a good habit of saving and spending.
May pag-asa pang maging debt-free!
So which do you choose?
- Shopping is life
- Food is lifer?
- Ipon is lifest?
Sana IPON IS LIFEST!
“Remember that our bad spending habits will give us
big financial problems in the future kahit gaano pa kalaki ang income natin”
-Chinkee Tan, Financial Motvational Speaker
THINK. REFLECT. APPLY.
- Ano ang kinalakihan mong pamamaraan sa paghahawak ng pera?
- Nakatutulong ba ito sa pag-iipon at paggastos mo ngayon?
- O kailangan mo nang baguhin?
=====================================================
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UPCOMING SEMINAR
“Happy Wife, Happy Life”
Registration: P950 per couple
Early Bird Rate: P750 per couple
March 10, 2018/ Victory Greenhills San Juan
A Seminar Featuring Chinkee and Nove-Ann Tan and Julius and Tintin Babao
“To Build Stronger Marriages One Couple At A Time.”