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Saver Or Spender?

SAVE NOW ENJOY LATER OR SPEND NOW STRUGGLE LATER

Mas madaling gumastos kaysa mag-ipon.
Mas masarap ubusin ang pera kaysa itabi ito.
The struggle is real.
‘Ika nga ng millennials, “PAK NA PAK!”

Pero kung minsan, hindi naman tayo magastos – sadyang nauubos lang ang pera natin sa mga pangangailangan natin.
Our sahod can come and go.
Ang hirap kitain, pero ang daling gastusin.

Ito ang madalas na nae-encounter ng mga participants sa mga seminars na kino-conduct ko. Marami talaga ang nahihirapang mag-save ng pera.
Kung isa ka sa mga taong nahihirapan sa pag-save, tapusin mo ang pagbabasa ng blog na ito para masabi ko sa iyo ang tunay na problema.

Kapatid, ang tunay na problema natin ay hindi lang dahil sa kulang ang ating kinikita. Kulang rin tayo sa pagpili ng PRIORITY.

PRIORITY mag-shopping, pero HINDI PRIORITY ang mag-save.
PRIORITY kumain, pero HINDI PRIORITY ang mag-exercise.
PRIORITY mag-Pokemon Go, pero HINDI PRIORITY ang mag-aral.

Gets mo na?

While most people don’t really give importance to saving money, we need to understand that we don???t really need to have plenty to save…hindi kailangan maging mayaman para makapag-ipon dahil kahit kakarampot lang ang ating kinikita, we can still save up.

But how will you know if you???re a saver or a spender?

SAVER:

  • Pagdating ng pera, nagtatabi na agad. Kung anong matitira, ‘yun ang pagkakakasyahin at iba-budget sa gastos.
  • May budget plan. Hindi basta-basta gumagastos. Lahat ng expenses, tinatabihan ng kaakibat na halaga.
  • Bago bumili ng isang bagay, pinag-iisipan ng mabuti.
  • Kahit anong mangyari at kahit gaano kahirap, hindi ginagalaw ang naitabing pera.

SPENDER:

  • Pagdating ng pera, gagastusin sa mga needs and wants. Kung may maiiwan, ‘yun ang itatabi para ipunin. Kung walang matitira, sorry na lang.
  • Walang budget plan. ‘Yung tipong, “bahala na si Batman”.
  • Ang paggastos ay hindi big issue na dapat pag-isipan. Hangga???t may gagastusin, sige lang nang sige.
  • Makapag-ipon man, siguradong magagalaw din.

We all struggle to save. But I???m telling you, it’s possible. Kung gugustuhin natin at well…talagang decided tayo na mag-iipon tayo, makakapag-ipon talaga tayo. Hindi masamang gumasta. Necessity naman ito and we can???t do away with spending.

Pero mainam sana if we spend wisely. Maraming benefits ang pag-iipon, tayo rin ang makikinabang. At the end of the day, we will realize that it’s worth saving money.

THINK. REFLECT. APPLY.

Are you a saver or a spender?
What are your strategies when it comes to saving?
Do you have a budget plan?

P.S. Kung nakatulong sa iyo ang blog na ito, please do someone a favor today. Share it para makatulong din ito sa kanila.

And to get more free videos, please subscribe to my YouTube channel: https://www.youtube.com/user/visionchinkee.

Always Chink Positive!

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