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Ever experience na malagay tayo sa alanganin?
Yung natambakan ng mga bayarin sa bahay,
nakalimutang utang tapos ngayon na ang singilan,
school projects and requirements ng mga kapatid,
pagkatapos ay tayo pa yung inaasahang susuporta sa pamilya.
Not to mention ang sarili nating gastusin,
pang-araw-araw na allowance papasok sa opisina.
At once in a lifetime treat sa sarili.
Kung gastusin pa lang sa pamilya ay nauubusan na tayo,
may mahuhugot pa kaya tayo
kung time naman para paglaanan ang ating sarili?
Here are some ways on what we can do
to make sure na may mahuhugot pa rin tayo:
SEGREGATE YOUR INCOME
One of the effective ways to make sure
na meron pa tayong mahuhugot sa wallet
is when we segregate our income
the moment we receive or withdraw it from the ATM.
Pwede ring i-segregate gamit ang sobre.
Pangalanan at siguraduhing naka-selyado para sigurado.
This might be one of the not techy ways,
pero siguradong epektibo. Paano?
Hindi natin basta magagastos kasi naka-segregate
ang panggastos sa electricity, tubig, groceries, allowance atbp.
Mahihirapan, and all the more makokonsensya kung babawasan.
Hindi katulad na kung lahat ay nasa debit card natin,
Hindi maiiwasang mag-swipe nang ilang beses
na para bang may unlimited tayong sweldo.
Pagkatapos ay magugulat na lang tayo, ubos na pala!
PRIORITIZE NEED OVER WANT
As we segregate our income to what we need to save or pay,
huwag nating kalimutang i-prioritize ang ating needs over
ants.Madalas kasing mangyari ay nauuna pa ang luho natin
pagkatapos ay magugulat na lang tayo dahil wala na pa lang
pambayad sa upa ng bahay at kuryente. Nagastos na pala sa sapatos at bag.
Kaya naman it is very helpful if we make and keep a list.
Ayusin natin ang listahan nang ayon sa importante at less important.
Pwedeng halimbawa yung ganito:
- Kuryente at tubig
- Renta sa bahay
- Groceries
- Rice allowance
- Laundry allowance
- Daily allowance
- Self-care allowance
Pagkatapos nating makagawa ng listahan at mag-segregate,
we must not also forget to….
ALWAYS HAVE AN EMERGENCY FUND
Aside sa necessities and health fund,
maglaan din tayo ng fund for emergency or to meet a need.
For example:
- Biglang pagkaka-ospital
- Unplanned expenses
- When we are led to help a friend financially
Nang sa gayon ay meron pa tayong mahuhugot
kung ang ibang bayarin ay nabayaran na natin.
Let us make it a habit na hindi lang laging Plan A ang meron tayo.
Kung maaari ay may Plan A to Z, managing our life in such a way that
we can be financially ready all the time.
“Hindi sa lahat ng panahon ay may mapagkukuhanan tayo
lalong lalo na kung ubos na ang ating sweldo.”
-Chinkee Tan. Filipino Motivational Speaker.
THINK. REFLECT. APPLY.
- How do you manage your income after you receive it?
- Mas nauuna pa ba ang gastos kaysa sa savings?
- How can you change your bad financial habits now?
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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.