“Tara, gimik tayo!”
“Toxic ‘tong araw na ‘to. One round lang ng tagay.”
“Thank God, PAYDAY NA! Saan tayo after work?”
“Masama bang mag-enjoy or mag-unwind with friends?”
“Not at all! Just as long as hindi nauubos ang pera mo sa kaka-gimik.”
Nakakalungkot minsan na napupunta lang ang pinaghirapan natin sa mall, after-office drinks, o maya’t-mayang dinner with friends and workmates.
I know. Parang ang sarap lang kasing gumastos, lalo na kapag bagong sweldo tayo. Masaya din naman kasing mag-socialize with friends or catch up with your boss.
Pero aware ba kayo na kapag mindless at hindi kontrolado ang paggastos, wala pang akinse, eh simot na ang laman ng wallet niyo?
Bakit ba kasi mahirap mag-control, lalo na sa pag-gimik?
CAN’T SAY ‘NO’
Lahat ng invite ng mga kaibigan o ka-opisina, wala tayong pinapalampas – mapa-mall, kain sa bagong restos, clubbing, videoke nights, or happy hours – lahat sasamahan, maski wala namang pera o budget para dito.
Feeling kasi natin, kapag hindi tayo sumama, tingin sa atin ay “uptight” or walang pakikisama.
Kung hindi afford, learn how to say NO.
Wala namang nakakahiya rito and we don’t owe anybody an explanation. Pero mas maganda na sa una pa lang, alam na nilang wise spender tayo kaysa sa bandang huli, nangungutang na tayo sa kanila o biglang iiwas dahil kapos na kapos na.
NAGPAPA-IMPRESS
“Guys, this round is on me! Mura lang naman eh.”
“Uy, sasama ka? Join din ako!”
“Ito ang order ko. Medyo mahal, pero nasa bestseller ng menu kaya sulit naman.”
Minsan, may ugali tayong akala mo nasa contest – ‘yun bang magpe-present just to impress people around you.
It’s true that compliments boost our self-esteem. Kaya minsan lang tayong masabihan, feel na feel na natin agad na bida tayo.
But remember, nobody really keeps track or notices kung sino ang mas:
- Mahal ang inorder.
- Madaming beses sumama sa gimik.
- Naka-kumpleto ng mga lakad with barkada o officemates.
Gumastos lang ng akma sa kakayanan. Be humble enough to admit how much you can only afford.
ONE-DAY MILLIONAIRE
Pagka-sweldo, gimik all you can…
Pagka-withdraw, unli-lakad…
Tapos kinabukasan, sabi nga ng mga kabataan, ‘waley’ na. Awanti kwarta!
Saan napunta? Naglaho na lahat, gaya ng isang masamang panaginip.
Resulta? Utang dito, utang doon. Pati mga financial responsibilities natin, napapabayaan na dahil dito.
Dito natin madidinig ang:
“Sana sweldo na.”
“Tagal naman ng sahod!”
We suddenly have a problem because we created a problem. Ginastos natin lahat, kaya hindi na tayo makakilos the following day.
Learn how to…
BUDGET
Unahin muna natin ang mga importanteng bagay. Kung may matitirang budget para sa gimik, good. Kung wala, makuntento tayo sa pa isa-isa o planned lakad lang.
There’s always a way for us to enjoy without spending so much. Be resourceful and creative.
THINK. REFLECT. APPLY.
Mahilig ka bang gumimik?
Ang ginagamit mo bang pera ay nasa budget or kinukuha mo na sa pambayad ng bills?
How can you enjoy without destroying your budget?
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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?
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Chinkee Tan is a famous motivational speaker in the Philippines. He specializes in topics such as personal development, building and strengthening relationships and financial management to name a few. To this day, he continues to inspire thousands of people through his books, free business seminars in the Philippines, social media and being invited to be a motivational corporate speaker to different organizations.
Here are some more related posts on budgeting:
- PORMA NOW, PULUBI LATER
- Bonggang Date Now, Pulubi Later
- Impulse Buying Now, Pulubi Later
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.