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DEAR SAHOD, PLEASE KAPIT PA…

March 26, 2019 By chinkeetan

Kung babalikan natin ngayon at pagninilay-nilayan
ang ating pay slips at paraan ng pag-ba-budget,
very fulfilling ba dahil nakakaipon din?
O baka naman struggle pa rin
kasi hindi pa nga dumarating yung sahod,
nakapila na agad ang listahan ng bayarin!

Naku po! Parang dead on arrival na agad.
Hindi pa na-withdraw ang pera, pero ubos na.
I know we have these bills to pay every month.
Sabihin pang renta ng bahay, kuryente, bayarin sa tubig.

Sige, isama na rin natin ang matagal nang binabayarang mga utang.
Pero kung ang mga ito ay usual naman nating sinasama sa atingpagba-budget, upang mabayaran on time, bakit madalas nauuwi
pa rin tayo sa pagkaka-bankrupt?

WALANG PIGIL SA PAGSHO-SHOP ONLINE

(Photo from this link)

Ito yung isa sa top shopping techniques ngayon.
Dahil nga one click away na lang ang karamihan
sa mga transactions at happenings sa buhay,
pati ang pag-sho-shop ay madalas virtual na rin.
Mas madali kasi. Gamit ang transfer funds or credit cards,
pwede na makapagbayad online din.
Meron din na cash-on-delivery.

Very convenient naman talaga para sa nakararami.
Pero katulad kung gaano kabilis ang pag-sho-shop online,
mabilis na ring nauubos ang savings.
If we see this as one of the major factors
kung bakit ang bilis maubos ng ating sweldo,
ma-alarma na tayo mga KaChink!
Something’s not really healthy and right
sa lifestyle natin.

WALANG PIGIL SA PAGKAIN AT PASYAL

(Photo from this link)

Dahil mas dumarami na rin ang naglalakihang restaurants,
hotels, shopping malls, resorts
and tourist destinations.
Hindi maikakaila na mas nakaeengganyong mamasyal,
kumain at mag-try ng iba’t ibang leisure activities.
Lalo pa kung buffet at ang daming promo for families and groups!

Hindi n’yo ba napapansin, every time we give in
to these promos and buffets, wala tayong naiipon?
Hindi ko naman sinasabi na masama ito o hindi tama.
Pero kung ito rin ay isa sa mga causes kung bakit napadadalas na lang
ang ating pangungutang, mag-isip-isip ulit tayo.
What we can do to help ourselves financially is this…

LIMIT OUR UNNECESSARY WANTS

(Photo from this link)

Simple lang naman ang solusyon, mga KaChink.
Kaya lang dapat ay conscious tayo at may disiplina.
How can we limit our unnecessary wants and possible expenses?


Let’s ask ourselves these simple questions:
       What will I benefit if I buy this item?
       Do I really need this now?
       Is this a requirement?
       Do I have enough budget for this?
       Is this my priority?

If none of these questions can be answered by YES,
then it’s not necessary to buy those things.
It’s still good to step backward, review things and rethink.
Kaysa naman palagi tayong mag-ra-rant ng ganito…

“Yung Sahod ko… parang pasyente sa Ospital.
Isinugod sa E.R. pero “Dead on Arrival”.
-Chinkee Tan. Filipino Motivational Speaker.

THINK. REFLECT. APPLY.

  • Ano ang factors ng madaling pagkaubos ng sweldo mo?
  • Ano ang kaya mong tanggalin sa mga iyan?
  • How can you improve your financial management skills today?


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Filed Under: dear sahod Tagged With: Badyet, Badyet Diary, Chink Positive, Corporate Keynote Speaker, Corporate Speaker, Corporate Trainer, Diary of a Pulubi, Famous Filipino Speakers and their Speeches, Famous Speakers in the Philippines, Filipino Motivational Speaker, Free Business Seminars Philippines 2017, Ipon Diary, ipon kit, moneykit, Motivational Corporate Trainer, Motivational Keynote Speaker, Motivational Speaker Philippines, My Ipon Diary

Chinkee Tan

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