Kapatid, impulsive buyer ka ba?
Kung ano lang ang maisip, bibilhin agad?
We often tell ourselves, “I deserve this! I worked hard for it!”
Totoo naman, deserving tayo of things that we can afford. Ang ideal scenario ay kung kaya natin bayaran ito ng buo na gamit ang CASH. Our lifestyle should adjust depending on how much we make. Hindi pwedeng ang income natin ang mag-aadjust sa ating lifestyle. Dahil kung ipag-pipilitan mo yan, sasakit lang ang ulo sa consequences na kakaharapin natin.
So paano ba natin babalansehin ang pag-gasta na hindi naman aabot sa puntong deprived tayo.
Here are some tips:
TIP #1: DON’T FOLLOW ALL THE TRENDS
Kailan ba hindi nagkaroon ng …
Bagong gadget…
Bagong fashion trend na instagram- worthy…
Hindi natin itong kailangan sabayan at subaybayan.
TIP #2: SELL AND UPGRADE
Kung talagang kailangan mo nang mag-upgrade o palitan.
Mag-ipon at ibenta ang luma para idagdag sa pambili ng bagong
kailangan.
TIP #3: DELETE SHOPPING APPS
Patok na patok ngayon ang online shopping. You can shop, anytime, anywhere with just one click. Para hindi ka ma-tempt ibalik mo lang or i-re- install mo lang ito sa gadget mo kapag may budget ka na to shop.
TIP #4: ONE AT A TIME
Huwag sabay-sabayin ang pag gastos especially kapag ito’y big ticket item. Halimbawa, kung bumili ka na this year ng LED TV, next year ka na bumili ng bagong washing machine. Huwag magpadala at magpa-dalos- dalos sa 12-month zero interest.
Mahirap nang malunod sa mga bayarin.
“HINDI ANG KITA NATIN ANG MAG PAPAYAMAN SA ATIN KUNG HINDI ANG PARAAN NG PAG-GASTOS NATIN SA PINAGHIRAPANG KITAIN.”
-Chinkee Tan, Top Motivational Speaker Philippines
THINK. REFLECT. APPLY.
- What kind of lifestyle do you have?
- Anong mga pagtitipid ang ginagawa sa araw-araw?
- What are your struggles when it comes to living within your means?
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,
https://chinkshop.com/
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.