Aircon, masarap at malamig.
Leather sofa, malambot at sosyal
Renovate ng bahay, maganda sa paningin.
income
Iilan lamang ito sa mga tinatawag nating
‘Non- income’ generating expenses.
If you ask me, palabas ang pera.
Tipong hindi pwedeng
I-justify na may balik
o returns na maibibigay
sa atin.
Walang masama sa mga ito.
We just need to be mindful of our spending
bago ito maging uncontrollable.
Here’s what we need to remember:
CHILL LANG
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Kung:
Gumagana pa naman
and a product still serves its purpose
eh di i-stretch natin ang pakinabang
nito sa atin.
income
Alalay lang sa pag-gastos.
Gasgas man pakinggan
pero totoo naman na
hindi araw-araw ang pasko.
Malakas man maka-good vibes
ang bagong gamit
pero kung kakapusin naman,
di bale nalang
PAG-IPUNAN MUNA
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Sa dami ng ating priorities
from utilities gaya ng kuryente, tubig
hanggang matrikula hindi na
kailangan pang i-stress
na hindi top priority ang ganitong
expenses na beyond the necessities.
Kung talagang gusto
pwede naman natin pag-ipunan, diba?
Maglaan ng budget kahit pa
de-envelope ang sistema
para hindi ito magalaw.
ONE STEP AT A TIME
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Kung nakabili na ng isa
huwag hayaang ma-tempt para sa isa pa.
income
Halimbawa:
Bago ang kama kaya bumili din ng bedsheet
kahit may magagamit pa naman.
Kakabili lang ng couch,
sinundan pa ng chandelier
for maximum impact daw.
Isa – isa lang kapatid.
If we allow ourselves na madala sa temptation
mas mapapagastos lang tayo.
“Chill lang muna. Huwag labas ng labas ng pera.”
-Chinkee Tan, Filipino Motivational Speaker
THINK. REFLECT. APPLY.
- Ano yung mga bagay na kating-kati ka ng bilhin?
- Makakapaghintay pa ba ito?
- May ipon ka ba para dito?
=====================================================
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“Identifying Non-income Generating Expenses”
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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.