“Paano pa ako makakaipon? Eh, kulang nga ang pera ko.”
“Ang hirap ng buhay ngayon, imposibleng maka-save.”
“Nagtitipid na nga ako, pero wala pa ring natitira. Anyare?”
Do you often wonder kung saan napupunta ang daily allowance mo?
Do you try to budget everything, pero nagtataka ka kung bakit parang wala ka pa ring naitatabi at the end of the day?
Nakaka-frustrate na at natatanong mo na kung minsan, “Kaya ko ba talagang mag-save?”
Huwag kang mag-alala. Lahat ng problema ay may solusyon.
Ang tanong lang naman na dapat sagutin is, “Are you willing to sacrifice in order to save?”
Here are some tips kung paano tayo makakatipid with our daily allowance:
BRING YOUR OWN LUNCH
Did you know that one of our biggest expenses is FOOD?
Food is everywhere at masarap kumain.
Mahirap pigilan ang tukso.
But if we really want to save, then we just need to learn how to be practical and mag-BYOB (bring your own baon).
“Chinkee, diyahe naman magdala ng baon. Ano ako, parang nasa elementary? Ano na lang ang sasabihin ng mga friends ko?”
Let me ask you this question, “Ano kaya ang mas nakakahiya? Ang kumain sa labas, pero broke ka naman o mag-baon at makatipid?”
Wala namang nakakahiya sa BYOB. You’re just being practical and realistic.
If you want to eat something different once in a while, then just do it occasionally, so you have something to look forward to.
AVOID GOING TO THE MALL
Ito siguro ang isa sa mga pinakamalaking tukso. Ang problema nga lang, since nandoon na lahat, it gives us more reasons to be tempted. Mapapabili ka talaga sa ganda ng mga presentasyon at nakakaakit na discount, sale, at promo.
If you know that you will only get tempted to really spend kahit wala sa budget, do not bring excess money inside your pocket. Leave your ATM and credit card at home. Alam mo bang simple lang ang solusyon? YOU CANNOT SPEND THE MONEY THAT YOU DON’T HAVE. Hindi ka pauutangin ng mall.
If you are really tempted dahil madalas kang napapadaan sa mall pauwi, take another route. Maaring medyo malayo, but at least, makakaiwas ka sa temptation and at the same time, makaka-exercise ka pa.
HANG OUT WITH LOW-MAINTENANCE FRIENDS
“Tell me who your friends are and I’ll tell you who you are.”
Sounds familiar?
Kung ang mga nakakasama natin ay mahilig sa shopping, kumain sa labas, o gumastos in general…surprise, surprise! Magiging ganoon rin tayo. In short, wala tayong maiipon because of peer pressure.
Kapatid, maniwala ka…ubos ka!
Pero kung we’re on the same page as our classmates or officemates, then all would think of ideal ways kung paano makakatipid without sacrificing the fun.
THINK. REFLECT. APPLY.
May naitatabi ka ba from your savings?
Kung wala, anong mga paraan ang pwede mong gawin to make this possible?
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