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Tipid Now, Ginhawa Later: Magtipid Ay ‘Di Biro (Part Two)

MAS MADALING MAG MOVE ON FROM CAMP SAWI KAYSA MAGTIPID

Ang pagtitipid ay isang desisyon na kailangan nating panindigan.
We need to be convinced na maraming itong magandang maidudulot para maging matatag ang ating will to be thrifty, kahit ano pa ang nararamdaman natin.

Pero bakit nga ba mahirap magtipid?

Nahihirapan ang karamihan dahil kulang sa disiplina.
Once na tinamaan tayo ng inggit at self-pity, sira na ang ating budget.
Ang tunay na balakid sa pagtitipid ay hindi tukso, kundi mismong sarili natin.

Here are some tips that can help you manage your finances:

LEARN TO PRIORITIZE.

Don???t buy everything, even if you can. More so, if you have excess cash.
Try mo bumili sa palengke at grocery nang walang listahan at siguradong lolobo ang gastos mo kasi kahit anong makita mo, dadamputin mo lang at ilalagay sa cart kahit hindi mo naman ito kailangan.
Set your priorities straight and stick to it.
Unahin ang mga needs at huwag bara-bara sa paggastos.

IDENTIFY YOUR NEEDS FROM WANTS.

After knowing the things that you need to prioritize, identify your needs from your wants.

Before you purchase something, isipin mo muna kung kailangan mo ba talaga ito or gusto mo lang.

MAKE A BUDGET PLAN.

Para sabay mong mabili ang mga “needs” and “wants” mo, you need to make a budget plan.

Hindi masamang bumili ng mga bagay na gusto mo, just make sure na hindi ka mapapahamak.
May mga taong gustong bumili ng top-of-the-line na cellphone, kahit hindi naman kaya ng resources niya.

Set a certain amount for your “needs”, while allocating a portion for your “wants”.
Unahin muna ang mga priorities.
By creating a budget plan, nama-maximize mo ang resources mo at nakakatipid ka dahil napagpaplanuhan mo ang lahat ng pinagkakagastusan mo.

LEARN TO BE CONTENT.

Kung maganda at maayos pa naman ang sapatos mo, hindi naman siguro praktikal kung bibili ka ng dose-dosena nito.

Nag-uumapaw na ang damit sa aparador mo at ‘di mo naman nasusuot lahat, pero bili ka pa rin ng bili.

Stop comparing yourself to others and learn to be grateful with what you already have.
Hindi mo kailangan makipagsabayan sa mga taong nasa paligid mo, lalo na kung ‘di mo naman talaga afford.
Most of us think that if we have this and that, we can be happy.
Pero the more you crave for material things, the more it will depress you.
Subukan mong mag-reflect at bilangin ang mga blessings na meron ka ngayon. Subukan mong makuntento sa kung anong meron ka.
Contentment brings true and lasting joy.

Kapag tayo???y nagtitipid, sa panahon ng ating pangangailangan, meron tayong gagamitin.
Ang pagiging matipid ay isang magandang ugali.
It only shows how good we are as stewards.
We should manage our resources well dahil lahat nang meron tayo ay ipinagkatiwala lamang sa atin ng Maykapal.

THINK. REFLECT. APPLY.

Do you know your priorities?
Have you identified your “needs” from your “wants”?
Are you contented?

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