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How Do You Spend Your Money?

huwag gastusin ang perang hindi mo pa kinikita

Kung bibigyan kita ng 1 million pesos ngayon, paano mo ito gagastusin?
Anu-ano ang mga bibilhin mo?
May babalatuhan ka ba?
Uubusin mo ba ito ng isang bagsakan lang o paunti-unti?
Magtatabi ka ba at mag-iipon?
Mag-iinvest ka ba sa stocks o sa isang property?
Babayaran mo ba ang mga utang mo?
Magkano ang gagastusin mo at magkano ang itatabi mo?

‘Di ba ang sarap isipin na mayroon kang P1,000,000?
But do you know that it is not how much money you possess that matters, but rather the manner by which you spend it?

Do we spend it with wisdom?

Alam mo ba kapatid, kahit gaano pa kalaki ang kinikita natin – kung malaki rin ang ginagastos natin, mauubos rin ang pera natin.

I???ve witnessed it so many times – kung saan ang pera ay nakakasama, sa halip na makatulong.

May isa akong kakilalang pumasok sa isang investment scheme at tumutubo ng 5% per month. ‘Yung tipong Cinderella story, from rags to riches talaga dahil umaabot sa P100,000 per week ang kinikita niya. At noong lumaki ang kinikita niya, nagbago rin ng sobra ang lifestyle niya – bili ng sasakyan, bili agad ng bahay.

“Bakit, Chinkee? Masama bang i-enjoy at bilhin ang mga pangarap mo sa buhay?”

Not at all! Pero ang nangyari, sa sobrang daming pinamili, nagkaroon siya ng maraming utang.

In a nutshell, 2 years lang ang itinagal ng magandang investments niya dahil biglang naglaho ito na parang bula.

So, lahat ng source of income niya ay naputol. ‘Yun nga lang, tuloy pa rin ang mga obligations niya sa pagbayad ng mga kotse at bahay na inutang lang niya noong sagana pa ang investments niya.

Noong hindi na siya nakapagbayad, dahan-dahang nawala at naremata ang kanyang mga sasakyan at mga bahay.

Ngayon, bumalik siya sa pagiging empleyado. Nangungupahan na lang at bumalik sa pagco-commute.

If you???ve noticed, noong marami pa siyang pera, napasobra at nagpabaya siya.

Kahit malaki ang kinikita mo, pero malaki rin ang ginagastos mo, ubos-biyaya ang mangyayari. At ang ending, walang tira at stressful. Kahit maliit lang ang kinikita mo, pero matipid at maayos ka naman sa paggastos, may matitira kahit papaano.

Sana kapulutan natin ng aral ang kwentong ito.

THINK. REFLECT. APPLY.

Are you wise in spending your money?
Ikaw ba ay kumita na rin ng malaki dati at nagpabaya?
Anong money lesson ang pwedeng ibahagi sa mga nagbabasa ng blog na ito?

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