Remember recently when you checked your own wallet
at buti na lang may laman?
Ang saya lang sa feeling ‘di ba?
Pero nakaranas na rin ba kayo:
Magbabayad sana pero pagbukas ng pitaka,
hindi sapat ang pera.
“Bakit wala na akong pera Monday pa laaaaaang?!”
(screaming, wailing)
Aray!
Bakit kaya may mga pagkakataon
na feeling broke at mukhang bankrupt tayo?
First:
Baka kasi nilibre agad ang barkadang nag-ayang mag-buffet
because it’s hard to say ‘NO!’.
Second:
Iniwan lahat ng pera sa alkansya
sa takot na magastos lahat.
Third:
Hindi nakapag-budget ng tama.
Hugot lang ng hugot kasi feeling rich.
Alinman sa mga ito ang sagot,
here are the three counterparts that may help us assure
na may mahuhugot tayo always:
ENSURE THE RIGHT BUDGET BEFORE SPENDING pitaka
(Photo from this Link)
Before paying at gumastos agad-agad,
make sure na naitabi nang maayos at tama
ang pambayad para sa kuryente, tubig, tuition fees,
pang-grocery, allowances, rent at emergency funds.
Anything that isn’t included in the budget
ay hindi dapat pagkagastusan muna.
Pwedeng next time kapag napag ipunan na ito.
CALCULATE PROJECTED EXPENSES pitaka
(Photo from this Link)
Calculating the projected expenses also means
calculating the possible risks
na pwedeng mangyari.
- “What if masiraan ako ng sasakyan this week?”
- “Paano kung matuloy yung check up ko sa Friday?”
- “May nakatabi na ba ako kung biglang maniningil yung eskwelahan ni bagets?”
As I mentioned a while ago,
dapat ay meron din tayong emergency funds.
Kasi apart form our expenses na nakalista,
hindi natin maiiwasan na meron at merong ‘surprise’
na ganap na kailangan din natin paghandaan.
PLAN AHEAD pitaka
(Photo from this Link)
Not only dreams and goals are needed to be planned ahead of time,
but also financial matters.
Given na ito.
Finances and goals are inseparable.
On the first month of the year, laptop ba muna ang bibilhin?
Kotse after? Tapos house and lot?
Ito rin ay pinagpaplanuhan bago bilhin
lalo na kung kinakailangan ng malaking halaga.
“May mga hugot talaga na nakalulungkot at nakakapagdamdam
lalung-lalo na yung paghugot sa pitakang walang laman.”
-Chinkee Tan, Filipino Motivational Speaker Philippines
THINK. REFLECT. APPLY.
- Madalas ka bang maubusan ng panggastos?
- Ano sa tingin mo ang sanhi kung bakit madalas ay wala nang panggastos?
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The post HUGOT SA PITAKA NA WALANG LAMAN appeared first on Chinkee Tan.