Kapatid, kamusta na? Nakamit mo na ba ang gusto mo mangyari sa iyong trabaho? Kinikita mo na ba ang income na pinangarap mo?
Ang hirap tanggapin na hindi umuusad o nag iimprove ang financial life natin.
Sahod at kumpanya ba talaga ang problema?
O baka naman meron tayong mga wrong practices na ginagawa?
Based on my experience as a Wealth Coach, allow me to share with you the Top Three Biggest Money Mistakes people often make.
NOT PRIORITIZING SAVINGS
Some people prioritize spending more than saving.
Ang priority ay SHOPPING!
Bili dito, bili doon…
Parating sa department stores, online shops, travel, and tours napupunta ang perang pinaghirapan.
Nasisimot tuloy.
Walang naitatago.
Ito yung way of thinking that pushes people to prioritize spending.
Lagi nalang:
“Next time nalang ako mag-iipon.”
“YOLO muna ako.”
“I deserve a break!”
Kapatid, if you want to change then you need to recognize that savings always comes first more than anything else.
You need to learn how to save money first and live better.
Did you ever think of wanting to know…
How to save money for a house?
How to save money for a car?
How about consider getting money saving apps.
Huwag parating “next time”, huwag mamaya.
START NOW para hindi maubos ang pinaghirapang kita.
NOT HAVING EMERGENCY FUND
Meron ka bang funds na mapagkukunan kapag…
Nawalan ka ng trabaho?
Nagsara ang business mo?
May nagkasakit sa pamilya?
Huwag naman sana pero alam naman nating hindi maiiwasan ang mga ‘yan. Prepared ka man o hindi, these things can happen anytime.
Kaya dapat parang boy scout—LAGING HANDA!
My suggestion is meron kang at least 6-12 months worth of your monthly expenses na naitatabi para sa emergency fund.
NOT WANTING TO WAIT
Sale.
Promo offers.
Buy 1 take 1.
50% discount
Hala sige, kuha lang ng kuha kahit hindi naman kailangan, kaya tuloy kapos ang income.
Yung mga bagay na hindi naman natin kailangan, dapat wait muna tayo bago buy. Planuhin at pag-isipan muna natin ng maigi bago spend.
For now,
“Kailangan ba ito?”
“Masisira ba ang buhay ko kapag di ito nabili?”
If you answered NO, then, bitaw sabay alis.
Start developing your saving habit and be a money saving expert.
Become an Iponaryo this year and sign-up for Ipon Pa More event here,
https://chinkeetan.com/ipon-pa-more
“SAVE MUNA, BAGO BUY. KAYSA BUY NOW, PULUBI LATER!”
-Chinkee Tan, Top Motivational Speaker Philippines
THINK. REFLECT. APPLY.
- Anong money mistake mo ngayon?
- Papaano mo ito babaguhin?
- Saan ka magsisimula?
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.