Bakit ba napakahirap mag-ipon?
Honestly, hindi naman talaga mahirap mag-save.
Ang mas mahirap ay mag disiplina ng sarili pagdating sa paggastos.
- Nakaka-tempt nga naman talaga kumain sa mga lugar na gusto mo at bumili ng mga latest na gadget talaga namang maganda.
- Yung mga 50% off na sale na parang nakakahinayang hindi patulan.
- Kapag nagyaya na ang mga kaibigan at mga kamag-anak natin na lumabas, masarap sila kasama at talagang imposibleng hindi tayo mapapagastos sa ganyang mga lakaran.
Ibang klase na ang temptation out there.
So if you really want to control your spending habits, the secret is focusing on not spending. Hindi issue yung wala tayong kakayanang mag-ipon, ang issue dito ay ang pagkakaroon natin ng disiplina sa paghinto sa mga unnecessary spending.
How can we discipline ourselves?
Here are my three simple steps:
FIND AN ACCOUNTABILITY PARTNER
Look for someone who will remind you to stick to your commitment whenever you are tempted to spend. Someone who will encourage you and scold you, if necessary.
MAKE A BUDGET PLAN
Kapag naka-budget na ang pondo, mas malaki ang possibility na hindi tayo gagastos na wala sa budget dahil alam nating ang bawat piso na papasok sa atin ay may paglalaanan na.
LEARN TO BE CONTENT
We don’t need to have everything. Matuto tayong maging grateful and sa mga bagay na meron na tayo. Huwag na tayong maghangad at ng mga bagay na wala sa atin.
So para makapag-save tayo, simulan na nating i-disiplina ang ating mga sarili by doing these practical steps.
“You don’t need to have everything to be happy. You choose to be happy then you will have everything.”
-Chinkee Tan, Top Motivational Speaker Philippines
THINK. REFLECT. APPLY
- How’s your spending and saving habit?
- Do you have a budget plan?
- Are you satisfied?
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://chinkshop.com/
Chinkee Tan is a Wealth Coach, Keynote Speaker, and Best-selling Author on personal finance and wealth management. He has written 16 best-selling books and counting. His mission is to equip millions of Filipinos to be free from financial stress & experience financial freedom.