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BAKIT ANG HIRAP PAG-USAPAN ANG PERA SA MGA KAPAMILYA?

Marami sa mga magulang ay naturuan ang mga anak ng mga basic teachings tulad ng…

Pagsabi ng po at opo, pagtukoy ng kanan at kaliwa, pagkabisado ng alphabets, pagbilang ng one to ten, at marami pang iba. Ngunit MALIBAN ang tungkol sa pera.

Malamang ito ay dahil hindi rin naturuan ng sarili nilang mga magulang. At yung mga magulang nila ay hindi naturuan ng kanilang mga magulang.

In the process, some of us makes BAD FINANCIAL DECISION na tao ngayon ang nag-susuffer.

At dahil hindi napag-uusapan ang pera sa pamilya, hindi natuto na…

MAG-MANAGE NG SARILING PERA


Tulad ng tamang paggamit ng kutsara at tinidor, wala pa din ako nakitang sanggol na pumupunta sa bangko para mag-open ng savings account. O kaya naman ay ang baby na marunong na mag-invest or few months old pa lang ay successful business man na. Diba?

Kasi natututo ang bawat tao sa mga aral na ipinapasa ng mga magulang, nakikita na pamumuhay ng sariling pamilya, at napupulot na mga gawain mula sa iba.

At kapag wala tayong nakikitang role model, chances are; hit and miss, trial and error ang dating natin.

At kapag hindi marunong mag-manage ng sariling pera, ito’y madalas na humahantong sa…

PANGUNGUTANG

Dahil hindi marunong magtipid at gumastos ng tama, madalas na nagkukulang ang sariling pera kaya mangungutang na lang. Posible din na ganito kasi ang nakagisnan sa mga magulang. Hindi man directly na naituturo ng mga tatay at nanay sa mga anak ang pangungutang, malamang ito ang observation ng mga anak sa lifestyle ng kanilang haligi at ilaw ng tahanan.

Sa pamilya kasi dapat nag-uumpisa ang tamang pag-handle ng pera. But because there’s no proper communication in the family, there’s no appropriate guidance. Then this will lead to bad debt. At ang pagkakautang ang isa sa mga nagiging sanhi ng…

STRESS, ANXIETY, AND DEPRESSION

Sa sobrang lubog na sa utang, nahihirapan na din maka-ahon sa kagipitan, pag-aalala at kalungkutan.

Dahil ang mismong pamilya ay hindi makausap tungkol sa pera, nahihiyang lumapit at humingi ng tulong sa iba. Nahihirapan na i-admit na may financial problem dahil hindi nakagisnan ang pakikipagusap tungkol sa finances.

And since walang makausap tungkol sa problema, nagmumukmok na lang sa isang tabi at sasabihing, “Nawawalan na sila ng pag-asa???”

Malaki ang influence ng family pagdating sa maraming bagay lalo na sa pera. Kaya kung ikaw ay nasa ganitong klase din ng family tradition, ano pang hinhintay mo? Umpisahan na natin ng tama at wakasan na financial ignorance! Ika nga, “Ignorance is not an excuse for us to be poor.”

And you can do this by…

EQUIPPING YOURSELF


Kung hindi ka man naturuan ng mga magulang mo, huwag kang mag-alala. Hindi yun ang katapusan ng mundo!

Kung hindi ka talaga kaya matulungan ng pamilya mo dahil hindi din naman nila alam kung ano ang ituturo sayo, lakasan mo ang loob mo na humingi ng tulong sa iba. Pwede ka pang mag-aral. Ang totoo, madami pang iba ang pwede at willing na magturo sayo.

Kasi kung gusto, gagawan ng paraan, kung ayaw maraming dahilan.

At pag equipped ka na, start…

EDUCATING OTHERS


Ngayon, pwede mo na ipamana sa mga anak mo yung mga natutunan mo. At kung single ka pa, i-share mo sa mga magulang at mga kapatid mo.

Ipasa mo din sa mga kaibigan mo para magpatuloy ang mas magandang tradition na ito.

Be equipped then educate. Sa ganitong paraan, magkakatulungan tayo para walang malunod sa pagkakalubog sa utang, kagipitan, pag-aalala at kalungkutan.

Let us be part of the solution and not part of the problem.

THINK. REFLECT. APPLY.

Handa ka na bang wakasan ang financial ignorance?

Sino ang pwede mong lapitan para maturuan ka sa tamang pag-handle ng pera?

Sino ang pwede mong matulungan para matuto na mag-manage ng sarili niyang finances?

If you are looking for someone to mentor and coach you with regards to your personal finances,

I suggest you visit this site http://bit.ly/1wOrPI6 and allow me to help you.

be-part-of-the-solution-not-part-of-the-problem

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