PAGIGING MAHINAHON IS THE KEY

Ano ba ang priorities natin lately?
Or did we already set our needs and wants?
Baka kasi sa dami ng ating expenses lately,
we failed to give higher importance
sa mas kailangan pagkagastusan.

For example:

• renta ng bahay
• kuryente at tubig
• tuition fees
• daily allowances
• groceries at pang-kain

With all these? Ano nga ba ang pwede nating gawin effectively?

SET UP FINANCIAL PRIORITIES

Sa dami kasi nang magagandang nakikita sa malls,
sa tiangge, bazaars, sales at promos, madalas hindi na natin
namamalayan na mas malaki na ang nagagastos natin dito.
Ang iba ay mas malaki na ang porsyentong inilalaan.

We must be deliberate to set up our financial priorities.
Lalo pa at nagmamahalan na talaga ang presyo ng bilihin.
Minsan naiipit na yung sweldo natin sa gastusin
kasi kulang na kulang na para sustentuhan ang buong pamilya.

Kung ang financial priorities natin ay similar to this:

1. Tithes and offering
2. Savings
3. Investment on self
4. Expenses on family and home
5. Investment on life and retirement insurance
6. Investment on business
7. Expenses on wants/luxuries

We must keep track and remain determined to…

FOLLOW SETTLED FINANCIAL PRIORITIES

‘Wag nating gawing negotiable yung dapat na non-negotiable.
‘Wag tayong mag-compromise and give our half-hearted effort.
Pinagpaguran natin ang ating income,
dapat ay diligent at metikuloso rin natin itong pagplanuhan.

If we are being tempted na gawing No. 1 yung No. 7 sa list,
mas mabuti pang lumayo o umiwas sa mga lugar|
o bagay na mapabibili nang wala sa oras.
It’s better to avoid and say “no”,
rather than giving in to at sabihin sa sarili na…
“Sige na ngayon lang naman…”

WHEN IN DOUBT, DO NOT BUY

This is one learning na hindi ko makalilimutan.
Marami sa atin ay visual, lalo na sa pag-sho-shopping.
Yung tipo na basta maganda sa mata kahit may kamahalan
ang presyo ng item, go lang ng go.
Pagkatapos later on, magtataka kung bakit ubos na ang sahod.

When we see an item na sa tingin natin ay useful
pero hindi natin alam kung saan natin gagamitin,
better not to buy it or pwede ring i-lista sa bucket list for now.
Dapat ay maging maingat tayo sa ating paggastos.
We must always remember and remind ourselves of this:

“Maging mahinahon tayo sa paggastos
para hindi tayo mamulubi at maghikahos.”
-Chinkee Tan, Filipino Motivational Speaker.

THINK. REFLECT. APPLY.

• Do you consider yourself an impulsive buyer?
• Or are you the kind of person who plans and sets a list?
• Will you now encourage your family members to reconsider their purchasing habits?

 

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