Have you ever wondered kung bakit hindi
pa rin tayo nakakaipon hanggang ngayon?
After years and years of working,
we are still stuck with the maintaining balance?
Minsan, zero na nga may utang pa. Hay life.
“Paano ako makakaipon, daming nakaasa sa ‘kin”
“Ang liit ng sweldo ko, imposible na ‘ko makapagtabi.”
“Utang everywhere! ‘Di na ako matatapos dito.”
Hindi naman imposible makaipon at yumaman.
Baka lang may problema sa kung paano
natin tignan at panghawakan ang pera.
Baka nagpapa-CONTROL tayo dito.
At ‘pag nagpapa-control tayo sa pera,
we will tend to MISMANAGE,
OVERSPEND, or even arrive in DEBT.
When in fact, it should be the other way around.
Dapat hawak natin sa leeg ang perang pumapasok
para nama-manage natin ng maayos
at alam natin kung saan napupunta.
I would like to share with you 3 Management
Skills that we need to master to help us
avoid or get through all the financial stress.
**BABALA: (Asawa ni Babalu. haha) This is just my way of saving that I will share.
You have a choice to follow, modify or not follow at all**
SAVINGS (30%) management
(Photo from this Link)
What do we need savings for?
Nako, napakarami nating pwedeng ilaan dito.
First, let me ask you:
- Do you have dreams?
- Kapag may emergency, are we prepared?
- When retirement comes, do we have money to sustain our lifestyle?
- When we get sick, are we able to afford the the medicines or hospitalization?
This is what savings are for.
Para sa mga bagay na gusto natin paghandaan.
When we don’t have anything for all these,
again babagsak na naman tayo sa stress.
No one wants that, right?
SPENDING (50%) management
(Photo from this Link)
Dito na ngayon pumapasok ang gastos.
This is quite a huge percentage noh?
Pero nakakapagtaka, bakit hindi pa din nagkakasya?
Two things, it’s either:
We don’t have a budget or
Wants come before the needs.
Kung hindi natin bibigyang importansya
kung ano lang ang mahalaga, then no matter how much we earn,
lalagpas at lalagpas tayo sa percentage that we allot for savings.
Kumikita nga ng 50,000, gumagasta naman ng 60,000.
Balewala rin if we don’t set a strict budget.
Unahin muna natin ang dapat at yung
mga ibang bagay na pwede namang wala
o ipagpaliban, eh tiis tiis muna.
GIVING (20%) management
(Photo from this Link)
For me, this is the most important part.
“Pinagpaguran ko ‘yan, bakit ako magbibigay?”
“Eh kaya nga nagtatrabaho eh tapos ipapamahagi lang?”
Giving doesn’t work that way.
Take this as an example:
Kapag nanghiram tayo ng sasakyan
‘Di ba binabalik natin pagkatapos because
or else, we will be called carnappers, right?
Kapag nanghiram tayo ng pera,
babayaran natin ito sa oras na itinakda
because if not, magnanakaw ang tawag sa atin ‘di ba?
Ganon din sa Panginoon.
If we don’t give what’s due to Him,
para na rin natin Siyang ninakawan
dahil LAHAT LAHAT ng blessings na natatanggap natin
ay galing sa Kanya.
Kundi dahil sa Panginoon,
wala tayong trabaho o pinagkakakitaan.
That’s 10%.
Another 10% would be for HELPING.
Pagtulong sa magulang, kapwa, may sakit,
o nangangailangan.
Why do we need to do this too?
Because again, God is blessing us with so much
hindi para sarilihin natin kundi para maging blessing din sa iba.
He is giving us what we have
hindi lang para gumanda ang buhay natin
pero para gumaan din ang buhay ng iba kahit paano.
“Ang perang walang maayos na kinalalagyan ay mawawala nang parang bula. Kaya magplano at sikaping ilagay lamang sa importante at mahahalagang bagay.”
-Chinkee Tan, Filipino Motivational Speaker
THINK. REFLECT. APPLY.
- Where do you put your earnings?
- Naa-allocate ba ito ng maayos or hindi alam saan napupunta?
- Are you willing to start now?
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