Bili dito, bili doon…
Swipe dito, swipe doon..
Ang sarap nga naman gumastos!
Lalo na ngayon na ang dali lang mag-shopping online.
Aminin natin, masarap talaga mag-give in at pagbigyan ang mga sarili natin na bilhin ang mga bagay na mag-papaligaya at gusto natin.
Pero kung ito ay napasobra, ano ang nagiging ending?
Nang-iimbita rin tayo ng sakit ng ulo at stress.
Nasa huli na lang ang panghihinayang kapag wala nang pambayad.
Ano ba talaga ang problema at umaabot tayo sa ganoong sitwasyon?
BOTTOMLINE: LACK OF SELF-CONTROL
“Paano ko ba aawatin ang sarili ko pagdating sa pag-gastos?”
Ito ang ilan sa mga practical tips na maipapayo ko:
THINK BEFORE YOU SPEND
Bago pa man kunin ang wallet, tanungin na ang sarili …
“Kailangan ko ba talaga ito?”
“Ikamamatay ko ba kapag hindi ko ito nabili ngayon?”
“May budget ba ako para dito?”
“Ngayon ko na ba talaga dapat bilhin ito?”
Yes, ganyan dapat ang proseso bago tayo mag-decide gumastos. At kung halos puro ‘NO’ ang sagot, alam mo na ang dapat gawin.
TAKE A STROLL
Kung may nakita tayong isang bagay na grabe ang hatak sa atin, subukan muna nating maglakad- lakad. Taking a stroll is a good strategy para palipasin ang strong desire natin to spend on a whim. Kapag nakapag-muni muni ka na, you will surely realize na you are just being impulsive.
HUWAG MAG-WINDOW SHOPPING NANG GUTOM
Nasubukan mo na bang mag-grocery na walang laman ang tiyan? Tipong hindi ka nakapag-almusal or snack?
Napansin mo bang mas marami kang nabibili kapag namimili ka nang gutom?
Subukan mong kumain muna before you shop or window-shop. Ma-re-realize m na notice na mas controlled ang spending mo.
MAKE A BUDGET PLAN AND STICK TO IT
Most of the time, nawawalan ng self-control pagdating sa spending dahil wala tayong budget plan. I’m sure when we have a plan to follow, mababawasan o matitigil ang ating unnecessary spending.
“The problem with money is NOT THE LACK OF INCOME but the LACK OF SELF-CONTROL”
-Chinkee Tan, Top Motivational Speaker Philippines
THINK. REFLECT. APPLY
- Do you have self-control when it comes to spending?
- Do you think before you spend?
- What do you think is your weakness?
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.