Single Blog

Bakit Ang Hirap Mag-Ipon?

Saving Is More Than About Money Its A Conviction And A Commitment

Ang mag-ipon ay ???di biro, para lang itong pagsasaka.
Maghapon kumakayod pero pag labas ng sweldo, kapos pa rin.

Sa hirap ng buhay ngayon, parang ang hirap-hirap na talaga mag-ipon. Ang hirap mong pag-tatrabahuhan ang pera mo tapos pag araw na ng sweldo, dumadaan lang ito sa mga kamay mo at naglalahong parang bula. Walang natitira, simot lahat.

Yes, aminin na natin na mahirap talaga mag-ipon, pero diba nga may kasabihan tayo, ???If there’s a will, there’s a way???.

Napakaraming mga dahilan kung bakit may mga taong hindi makapag-ipon, at ito ang ilan sa mga iyon:

MARAMI AKONG GASTUSIN
Simple lang ang solusyon dito. Bawasan mo ang gastusin mo. Sit down and list your priorities. Identify your needs from wants. Ano-ano lang ba ang dapat mo talagang pagka-gastusan? Avoid impulsive buying. Think before you spend. If you will prioritize saving, it will have a long-term benefit na siguradong hindi mo pagsisisihan.

HINDI NASANAY MAG-IPON
Mahirap talaga aralin ang isang habit na hindi mo nakasanayan at nakalakihan. Pero wala din mahirap sa taong pursigido at determinado. If you really want to be financially well, you need to start learning new good habits and unlearn bad habits. Kung hindi mo man nakasanayan ang pag-iipon, hindi pa huli ang lahat. Isipin mo nalang ang magiging magandang effect nito sa buhay mo.

KULANG ANG SWELDO O KITA
Pataas ng pataas ang mga bilihin, palaki ng palaki ang expenses, habang ang mga sahod at kita natin ay stagnant. Paano nga naman tayo makakapag-ipon kung sa basic needs palang eh hindi na kasya at kulang na ang sweldo mo?

Actually, wala sa laki o liit ng sahod yan. Hindi nakasalalay dun ang kakayanan nating mag-ipon. Kung makikita mo lang ang big picture, ma re-realize mong napaka-daming magandang benefits ang pag iipon. Kaya kahit maliit o kulang ang kita, pwede ka parin mag-ipon kung gugustuhin mo. Hindi kailangang malaki, kahit maliit na halaga lang ay pwede. Ang mahalaga, kahit papaano ay may naitatabi ka.

LUBOG AKO SA UTANG
Mahirap nga namang mag ipon kung hindi ka magkanda-ugaga sa sangkatutak mong utang! Itigil mo na ang pag utang at sikapin mong mabayaran na ang lahat ng pagkakautang mo at tsaka ka magsimulang mag ipon.

WALA NANG IBA-BUDGET
To budget is to plan. Kung hindi ka nagba-budget, ibig sabihin hindi ka nagpa-plano. May kasabihan nga tayong “if you fail to plan then you plan to fail”. Imposibleng wala kang budget. Meron yan. Hindi mo lang pina-prioritize. Isama mo sa budget ang pag-iipon at hindi yung kung ano lang ang matira sa pera mo.

HINDI ALAM KUNG PAPAANO MAG-IPON
Marahil ang iba sa inyo nagtatanong kung paano ba mag-ipon? Napakaraming paraan ang pwede mong subukan. Yung iba nag-iipon sa bangko, yung iba nag-iipon sa pamamagitan ng stocks at iba’t-ibang klaseng investment instruments, habang ang iba naman ay nag-iipon sa alkansya. Kung ano ang mas magwo-work sa iyo ng pamamaraan dun ka. Pwede ka ring sumubok ng iba. Huwag mahiyang magtanong at magpaturo sa mga nakakaalam.

Sa totoo lang, mahirap mag-ipon kasi madami tayong dahilan. Sa dinami-dami ng dahilan para hindi makapag-ipon, napakarami din nating namimiss na benefits at positive effects, hindi lang sa finances natin kundi sa mismong buhay natin. Kaya ibaon na natin sa lupa ang mga dahilan natin at simulan na nating mag-ipon. Saving is a discipline. It???s more than just a habit, it???s a conviction and a commitment.

THINK. REFLECT. APPLY

What is stopping you from saving?
What are your struggles when it comes to saving?
Are you ready to unlearn and learn?

Comments (0)

Smart Money Habits vs. Poor Money Habits

Hi there, Mr. Chink Positive here.

I have recently released a book entitled Raising Up Moneywise Kids. If you haven’t checked it out yet, you can do so here.

Now, feel free to download my free guide on how to know smart money habits from poor money habits, which I believe can help you not just in raising moneywise kids, but also in your own financial disciplines and personal financial life. After all, your financial habits determine your financial life.
I want to read it!
FEATURED DOWNLOAD -

HOW I MADE MY 1ST MILLION

What if there was a book that gave you the opportunity to earn a million pesos? Will you grab the chance or will you let it pass you by?
The choice is in your hands.

Highly regarded businessman-turned-wealth-coach, Chinkee Tan, has more than a decade’s worth of business experience under his belt. Chinkee Tan has helped fifty Filipinos earn their first million and YOU can be the next one.
DOWNLOAD NOW
FEATURED DOWNLOAD -

For richer & For Poorer

No one wants to stay poor and penniless. There are lots of books out there that talk about just that – getting rich and getting rich fast. Books authored by successful businessmen and motivational speakers that try to convince us that their advice is the best way to get rich. Becoming a millionaire has become one of the main goals of most people.

I’ve found that, while ther is no fool-proof way to get rich, there are some principles that we can learn that will definitely increase our chances of getting rich. My goals in writing this book are to Inform, Educate, and Motivate. Finally, it is also my goal to Disturb you.
DOWNLOAD NOW
FEATURED DOWNLOAD -

TILL DEBT DO US PART

RENEW and Change your mindset to chink positive 
REFOCUS your PERSPECTIVE to look at the positive not on the negative. 
OVERCOME trials, hardships, failures, challenges or even depression. 
Change your old habit into a NEW HABIT for a NEW YOU 
Create your VISION, your STRATEGY and your ACTION PLAN to turn your dreams into a reality. 
To be INSPIRE and be EMPOWERED so that you also inspire and empower others.
DOWNLOAD NOW
FEATURED DOWNLOAD -

SECRETS OF THE RICH AND SUCCESSFUL

Let’s face it, everyone wants to become rich. Some have even dedicated their lives to pursue riches, making it part of their lifelong dream.

But here’s one important thing we need to understand: money is just a means to something, but it is never the end. In other words, money is merely a tool to buy something.
DOWNLOAD NOW
GET YOUR VIDEO NOW!

Enter your email address below and we'll send you your video through your email.
GET ME THE VIDEO!
We promise we will never spam you. We hate spam