Ilang araw na lang, sweldo na naman mga KaChink!
Nangangati na ba ang mga palad sa excitement?
Na kapag nadinig ang salitang SWELDO
eh bumibilis ang takbo ng puso at
para tayong kinikiliti sa kilig?
Bakit? Nandiyan ang…
- Shopping
- New gadget
- Fulfillment of travel goals
- Buffet
- New pair of shoes
- At…savings?
- Maybe…investments later on
Pero anong napapansin niyo?
Madalas ganyan tayo, eh.
Mas nauuna pa ang gastos!
At nagiging kwestyonable na ang pag-iipon.
Ang formula kasi natin:
INCOME- EXPENSES= SAVINGS
Kaya hindi din naman kataka-taka kung bakit
nauubos ang ating sweldo.
May mali eh.
So ibig sabihin kapag walang natira
eh wala din tayo itatabi?
This doesn’t work that way.
Kaya muli ko kayong ipinapaalalahanan
when sweldo is already in your hand.
START BUDGETING AS EARLY AS YOU GET YOUR SWELDO.
(Photo from this Link)
Bago pa man mapunta sa kamay ng ibang negosyante
dahil sa pagbili natin ng kung anu-ano,
gamitin agad ang formula na:
INCOME – SAVINGS = EXPENSE
Hindi tamang unahin ang expense kaysa sa savings.
Ang isa sa tendency ay hindi magiging stable ang ipon.
Hindi napa-prioritize ang pag-iipon
dahil nagiging mas malaki pa ang percentage
ng expenses compared to savings.
AVOID ON-THE-SPOT EXPENSES
(Photo from this Link)
Friend: “Uy, sweldo na! Libre naman dyan!
Me: *smiles sarcastically*
Dahil nga sweldo, feeling rich din ang ating wallet.
Feeling rich din ang tingin ni friend!
Baka sa kaka-yes natin, wala na din matira sa atin bandang huli.
Learn to say NO and save ourselves from debt.
PRIORITIZE YOUR NEEDS OVER WANTS.
(Photo from this Link)
Dahil kung wala tayong ka-ay-di-idea dito,
kahit na anong paraan ng pagba-budget ay
may posibilidad na ma-short pa rin tayo.
Paulit-ulit ko nang sinasabi ang
kahalagahan ng needs vs. wants principle.
Kaya’t muli kong uulitin lalo na sa mga nakalimot…
“Bago pa sumakabilang pitaka ang ating mga sweldo, siguraduhin na may naipon muna tayo.”
-Chinkee Tan, Filipino Motivational Speaker
THINK. REFLECT. APPLY.
- Ano ang madalas mong inuuna sa pagba-budget ng iyong sweldo?
- Kailangan mo na bang baguhin ang dating gawi?
- Paano mo gagawin?
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UPCOMING SEMINAR
“Happy Wife, Happy Life”
Registration: P950 per couple
Early Bird Rate: P750 per couple
March 10, 2018/ Victory Greenhills San Juan
A Seminar Featuring Chinkee and Nove-Ann Tan and Julius and Tintin Babao
“To Build Stronger Marriages One Couple At A Time.”
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.