BAKIT KAYA WALANG IPON ANG IBA?

Wondering why every so often ang salary natin
ay nauubos agad?

Yung tipo na ka-wi-withdraw lang,
halos wala nang matira sa wallet?

Minsan ang tendency natin ay mangungutang na lang.
Hirap na ngang mag-ipon, nababaon pa sa utang.
Kung ganito and trend ng ating habit,
mahihirapan talaga tayong makapag-ipon.

Paano natin ito magagawan ng paraan?

GUMAWA NG LISTAHAN AT SUNDIN ITO

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Whether sa papel isusulat,
osa notes sa cellphone ililista,
walang problema.
Basta kung saan tayo kumportable
at kung ano ang mas workable sa atin.

Kung ang sweldo natin ay within
the bracket of P15,000 per month..

For example:

• P2,000.00 Savings
• P5,000.00 House Rental
• P2,000.00 Electricity
• P1,000.00 Water Bill
• P3,000.00 Groceries
• P2,000.00 Allowance

Mas mainam kung ano ang nakasulat sa listahan
ay yun din ang magiging actual nating magagastos.
Sa gayun ay wala tayong rason para ma-short.

MAGTABI NG SEPARATE BUDGET

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Pagkatapos nating ilista, let’s act on it.
Pwedeng magkaroon ng separate envelopes,
o kaya ay mag-invest sa small file bags.
Pwede nating lagyan ng label
para hindi tayo magkamaling gastusin ang budget.

Mas magiging effective ang ganitong gawain
kung didisiplinahin natin ang ating sarili.
Practicing these things strictly within ourselves.

REMOVE UNNECESSARIES

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Hindi naman ibig sabihin na kung iistriktuhan natin
ang ating mga sarili towards effective financial management
ay wala nang espasyo para mag-enjoy
ng ating hard earned salaries.

Removing unnecessaries means that
kung hindi naman kailangan ngayon,
why do we need to buy it now?
Importante na alam dapat natin na may
mas mahalaga pa tayong paglalaanan.

Karamihan sa atin ay walang ipon
dahil sa maling pagma-manage ng pera.
Let us change this habit for good!
Simulan nating unahin yung mas mabigat ang importansya
lalo na kung ang sweldong natatanggap natin ay limited pa.

“Walang ipon ang karamihan kasi maraming pinagkakagastusan na hindi naman kailangan.”
-Chinkee Tan. Filipino Motivational Speaker.

THINK. REFLECT. APPLY.

• Nakatulong ba sa ‘yo ang ideyang ito?
• Ano ang pwede mong magawa para ito’y maisa-isip at magawa?
• How far can you commit to do this?
  

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