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Ang Sweldo Ay Parang Amnesia

ang sweldo ay parang amnesia minsan hindi mo alam kung saan ito napupunta

Madalas ka bang makalimot?
“Bakit wala na akong pera?”
“Ano nga ‘yung huli kong binili?”
“Nanakawan ba ako?”

Hindi mo maalala kung saan napupunta ang pera mo?

Ang tanong madalas ay, “Saan napunta ang kinita ko?”

Naku! Sakit na ‘ata ito ng iilan.
Kapag wala nang pera o gipit na gipit na, kamot-ulo na lang at halos mala-zombie na sa kakaisip kung saan nailagay, nagastos, at nailaan ang perang pinaghirapan ng ilang araw.

Bakit nga ba hindi natin maalala kung saan napunta ang ating kinita?

ANG MGA BINIBILI NATIN AY WALA SA ATING LISTAHAN.

NOT KEEPING TRACK OF EXPENSES – Ang mga binibili natin ay hindi natin mino-monitor.

Alam niyo ba na dapat nililista ang lahat ng ginagastos natin?
Kung hindi natin ito gagawin, paano natin malalaman kung saan napupunta ang ating kinita?

“Eh, Chinkee…ang hassle naman. Kunwari, P20.00 lang na pinambili ko ng mineral water or juice. Ililista ko pa ba ‘yun?”

Kung hindi mo ito ililista, let me show you the impact.
If you buy mineral water or juice on a daily basis, alam mo bang aabot ito ng P600 a month, or even P7,200 a year? Wow na wow, ‘di ba?

Sa totoo lang, mas nakaka-stress at mas hassle mag-isip kung saan napunta ang kinita mo.

EMOTIONAL BUYING – Ang gastos ay hindi naka-budget.

  • Kung anong maisip, binibili kaagad.
  • Wala naman talagang bibilhin. Dadaan lang ng 7/11 pero maya’t-may, may bitbit na.
  • Nakakita ng sale. Nag-window shopping lang pero paglabas ng mall, may bitbit na.

If we allow feelings to dictate kung ano ang bibilhin natin, mauubos talaga ang sweldo natin.

Kaya, para hindi magkaroon ng amnesia pagdating sa kinikita mo:

KAILANGAN NATIN ITONG ILISTA.

Alam kong mahirap itong gawin, pero sa umpisa lang. Friend, maniwala ka, once you get the hang of it, masasanay ka rin. Just be consistent, be patient, and be persistent. Huwag kang mapapagod gawin ito.

PLAN YOUR SPENDING.

Okay lang naman mamili at mag-shopping. Just as long as planado ito. Make sure you have enough money to buy it, huwag mangungutang para lang dito, at huwag i- charge sa credit card kung wala kang pambayad in cash.

STICK WITH YOUR NEEDS BEFORE YOUR WANTS.

Ang sweldo, kung minsan, ay nagagamit sa hindi naman talagang importanteng mga bagay – ‘yung tinatawag na spur-of-the-moment o biglaang gastos. So here’s a reminder, we should be disciplined when it comes to our finances.

I hope this blog has enlightened you to understand kung bakit minsan ay clueless tayo kung saan napupunta ang kinikita natin.

THINK. REFLECT. APPLY.

May amnesia ka ba pagdating sa pera?
Anong gagawin mo para maalala mo kung saan mo ito nagamit?
Willing ka bang maglista from time to time o pipiliin mong sumakit ang ulo mo sa kakaisip kung saan napunta ang pera mo?

Kung gusto mong matutunan ang tamang pag-budget, I suggest na panoorin mo ang video sa link na ito: http://ow.ly/uukr305aPmu.

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