Chinkee Tan

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BROKEN WALLET

March 18, 2020 By Chinkee Tan

Okay lang na wala kang Louis Vuitton bag basta ang savings mo ay hindi malu-Lugi Vuitton.

Mahirap maging broke. Mahirap ang walang pera. Nakakahiya, nakaka-stress. Mahirap maging mahirap.

For sure, at some point ng buhay mo ay naranasan mo rin maging broke. Ano ba ang problema? Kulang ang sahod? O kulang sa tamang financial planning? Bakit ka ba broke?

Table of Contents

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  • YOU HAVE UNHEALTHY SPENDING HABITS
  • YOU TRY SO HARD TO IMPRESS OTHERS
  • YOU ARE DEBT-DEPENDENT
  • THINK. REFLECT. APPLY.

YOU HAVE UNHEALTHY SPENDING HABITS

Milktea everyday? Samgyup every week? Shopping spree ng branded items everytime?

My friend, hindi mo kailangang araw-arawin ang mga luho mo. Okay lang naman kung afford mo ang mga ito, pero kung ang resulta ng kakalustay mo ng cash ay broke naman ang budget mo, may mali na talaga. 

Avoid overspending. Avoid using your credit cards to unreasonable expenses. 

Create a budget, follow it, and stick to it.

YOU TRY SO HARD TO IMPRESS OTHERS

Hindi mo kailangang magpakasosyal kung hindi mo naman talaga afford. Kung napaliligiran ka ng mga taong sosyal at higit na mataas ang financial status kaysa sa iyo, iwasang makipagsabayan sa kanila. You can still be friends with them naman nang hindi nape-pressure bilhin ang mga bagay na afford nila, pero ikaw hindi.

Isa pa ay iwasang maging mayabang. Kapag pinairal kasi ang yabang kaysa sa pagiging wais, chances are masasagad mo ang iyong budget para lang sa mga luho mo. Hindi mo kailangang i-impress ang iba sa mga luho mo, mas kaimpress-impress ang taong wais at matalino sa kanyang mga desisyon, lalo na pagdating sa paghawak ng pera. 

YOU ARE DEBT-DEPENDENT

Ang sarap sa feeling ng may credit card, ano? Swipe lang ng swipe, saka ka aaray ‘pag nandyan na ang billings. 

Ang malala lang sa iba, utang din ang pinangbabayad sa credit card o sa iba pang existing na utang. Anong resulta? Broke. Malaking porsyento kasi ng kinikitang pera ay ipinangbabayad na lamang sa mga utang na hindi naman matapos-tapos. 

My friend, kung ayaw mong maging broke, you need to be wiser sa iyong pera.

“Okay lang na wala kang Louis Vuitton bag basta ang savings mo ay hindi malu-Lugi Vuitton.”

– Chinkee Tan, Filipino Motivational Speaker

Watch my video on Youtube:

10 Reasons Why People Are Broke

(https://youtu.be/IBuEunVG51w)

THINK. REFLECT. APPLY.

  1. Madalas ka bang broke?
  2. Ano ang mga dahilan ng iyong pagka-broke?
  3. Paano mo maiiwasan ang pagka-broke ng iyong finances?

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Chinkee Tan

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.



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Filed Under: Financial Literacy, Inspirational, Motivational, Personal Development, Positivity Tagged With: Chink Positive, Corporate Keynote Speaker, Corporate Speaker, Corporate Trainer, Diary of a Pulubi, Famous Filipino Speakers and their Speeches, Famous Speakers in the Philippines, Filipino Motivational Speaker, Free Business Seminars Philippines 2017, Ipon Diary, ipon kit, moneykit, Motivational Corporate Trainer, Motivational Keynote Speaker, Motivational Speaker Philippines, My Ipon Diary, Pulubi

Chinkee Tan

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