Bili dito, bili doon.
Nakakita lang ng 70% OFF,
bili agad kahit wala sa budget.
Kaya ang naging ending?
Hayun! Baon sa utang!
Tinalo pa ng interest ang expenses
dahil walang pambayad sa credit card.
Katulad din nang…
Party dito, party doon.
Halos every week nasa hotel
o sa KTV pa-happy-happy.
Lalo pa’t nauuso na naman
ang celebrations dahil Holiday Season.
Hayy… Matatapos na ang taon pero
kamusta na ang savings account mo?
“Ayun… Hanggang account lang.
Walang savings, Chinkee.”
Anyare?
Kasi utang dito, utang doon.
Nakailang loan na rin ba
sa bangko? Sa cooperative?
At hanggang ngayo’y loan pa
rin na hindi mabayad-bayaran?
Nakakatulog pa ba ng mahimbing, kapatid?
Mukhang kailangan na nating baguhin
ang ways of handling our wealth…
GUMASTOS NANG NAAAYON SA BUDGET
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Kung ang allowance sa isang araw
ay sapat lamang, iwasan nang
mag-attempt na kumain sa fine dining restaurants
o manlibre ng kaibigan for the sake of spending.
Tignan kung naaayon ba ang paggastos
sa kapasidad ng wallet.
Hangga’t maaari, iwasang mag-over spend.
Prioritize your necessities over luxuries.
Huwag gawing “needs” ang dapat “wants” lamang.
HUWAG MAG-LOAN KUNG HINDI KINAKAILANGAN
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Matter of life or death ba ‘yan?
Kung hindi naman,
huwag nang magbalak na umutang.
Kung ang intensyon mo ay para mabili
ang dress na 70% OFF dahil kung
hindi ay baka bilhin pa ng iba,
huwag nang ituloy.
Uulitin ko, huwag mag-loan
kung hindi naman kinakailangan.
HAVE A FRIEND THAT YOU CAN RELY ON
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A friend that will mentor you with the right
wisdom and knowledge about finances.
‘Yung mag-pa-pa-realize sa ’tin ng pitfalls
at results ng bawat decision sa finances.
Someone whom you can be accountable with.
“Friend: Ano ang tawag sa taong malungkot dahil baon sa utang?
Me: LOANly”
-Chinkee Tan, Filipino Motivational Speaker
THINK. REFLECT. APPLY.
- Bakit hindi nakababayad ng utang ang isang tao?
- Dahilan din ba ito para hindi makapag-ipon?
- Ano ang pwedeng gawin para masolusyonan ito?
Are you having a hard time making saving money a habit? Do you want to know the best ways to save money? Are you up to having a money saving challenge so that you can manage your finances?
Become an Iponaryo this year and sign-up for Ipon Pa More event here,
https://chinkeetan.com/ipon-pa-more
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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.