Meron ka bang magandang business
pero nauuwi lang sa pagbabayad ng utang?
Ito ang kadalasang nangyayari sa mga negosyante
Maganda nga ang kita
pero simot naman dahil kailangan
I-settle ang mga hiniraman.
Here’s what we can do to manage
our funds generated by our business.
SEPARATE PROFIT FROM CAPITAL
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The problem here is not the business but
our cash flow.
Kung lagi lang natin nagagalaw ang puhunan, wala ng pang-paikot
Walang pang-invest sa negosyo…
utang na naman ang ending niyan!
Kaya para maiwasan ito…
PAY THE MINIMUM AMOUNT ONLY
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Bayaran lang muna kung ano ang kaya.
Halimbawa kumikita tayo ng P500/day,
pwede tayo magtabi ng P150
para naman sa utang.
Huwag buong P500.
Bakit?
Dahil wala ng matitira sa negosyo.
Pero, kung maganda naman
ang ating kita here’s another option:
BORROW MONEY TO BOOST YOUR CAPITAL
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Pwede tayo manghiram para hindi maapektuhan ang puhunan.
In other words— EXPAND.
Example:
Kailangan natin magbayad ng 5% pero kumikita naman tayo ng 30%.
May profit pa din tayo na 25%.
Bawing bawi pa din.
“Paikot-ikot lang ang mangyayari, kung hindi ima-manage ng mabuti”
-Chinkee Tan, Filipino Motivational Speaker
THINK. REFLECT. APPLY.
● Kamusta ang estado ng business mo so far?
● Nauuwi lang ba ang kita sa pagbabayad ng utang?
● How will you manage this?
Are you having a hard time saving money? Do you want to know the best ways to save money and how to save money fast? Are you willing to take money saving challenges so that you can manage your finances?
Become an Iponaryo this year and sign-up for Ipon Pa More event here,
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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.