Iniisip mo ba na napaka complicated ng usapang ito?
Isa ka ba sa napakaraming bilang ng tao sa mundo na nag iisip na mahirap ang yumaman?
For many, to get rich ay napakahirap talaga.
They think that it needs a lot of time and work.Yes ofcourse! At dahil doon, ayaw natin mahirapan,we want an easy life.
Tama na yung may trabaho at nakakakain 3x a day at nakakabayad ng mga bills.
Challenge ang pagkakaroon ng negosyo, at ayaw natin magtake ng risk at mauwi sa wala ang perang ininvest natin.
But for us to be financially free, wala sa pagiging empleyado ang solution. Hindi habang buhay ay malakas ang katawan mo.
Hindi mo rin masasabi kung hanggang kelan ka magsstay sa kumpanyang pinapasukan mo,or paano kung malugi at magsara ito?
You need to act now, and think some ways on how to escape the rat race cycle ng buhay mo.
CONTROL WHAT YOU SPEND
Gumawa ka ng budget for the whole month, You need to have a list of all your expenses.
Hindi yung gastos ka lang ng gastos and in the end you will be surprise saan napunta ang sweldo mo. Kailangan mamonitor mo saan napupunta ang perang pinaghirapan mo.
Unahin ang mga bagay na importante at wag bumili ng mga di naman kailangan at wala sa budget. Bago gumastos isipin mo ng mabuti kung ito ba ay need vs wants.
Alam ko maraming temptation ngayon sa Lazada at Shopee na nag aalok every month sale. Be strong enough na wag maakit bumili kung ito ay di naman mo naman afford.
Focus on what you really want to achieve in your life, maging wais sa paghawak ng pera , wag maging waldas.
AVOID DEBT AND LOAN
Hanggat maari umiwas sa 5’6 sa loan,at credit cards. Wag umutang kung ito ay di naman kailangan.
Bukod sa financial stress na makukuha buwan buwan na bayarin,ito ay may kaakibat pa na interest.
May mga kakilala ako noon na nagungutang para may maipanghanda sa fiesta,binyag,at bithday.
At pagkatapos ng okasyon, doon na magsisimula ang kalbaryo ng pagbabayad.Ang mga special na okasyon na ito ay napapaghahandaan,maaring magtabi mula sa perang ating kinita bago pa dumating ang ating pagkakagastusan.
Hindi masama ang mangutang kung ito ay gagamitin natin to grow our money like putting it in business.
ADDITIONAL SOURCE OF INCOME
Kapag gusto mo yumaman, hindi pala dapat muna pag usapan ang savings. Dapat mag add ka muna ng income.
You need to find another source of income. A single source is not enough. You cannot save money if you have only a minimum wage salary.
Maging maparaan para madagdagan ang iyong kita. You can add value or skills. When you add skills and knowledge by researching and attending seminars.
Maybe you can get a promotion from your job and syempre salary increase. Or you can look for a part-time job.
For example, you have a passion for health and fitness. Mahilig ka magzumba. You can teach Zumba dance when you have extra time or you can do it on your day off.
Nag enjoy ka na,nakapag exercise ka pa! You turn your passion into profit.
DELAY OF GRATIFICATION
May mga gusto ka bang bilhin agad agad kapag nakahawak ka ng extrang pera?
Katulad ng bagong gadgets,magshopping at kumain sa mamahaling restaurants?
Magtravel ng wala sa plano? Well, I will tell you now it’s not a good idea…Naalala mo ba ang kasabihan na “kung maikli ang kumot, matuto kang mamaluktot.”
Yes,you need to have self-control and self-discipline.
Instead of buying what you want, satisfying your food cravings, And to enjoy going to places, why don’t you delay it first?
And save the money for important things that you will need in the future.
Alam mo ba kaya yumayaman ang mga chinese dahil mas inuuna muna nila maranasan ang paghihirap in favor of long-term satisfaction.
That is a delay of gratification. Kumayod at magcreate ng mas maraming pagkakakitaan.
At pag na achieve na nila yung goals nila, that is the time they reward themselves.
INVEST NOW
Look for something you can invest your money in. Let your money grow, putting it in a bank will not make you rich.
Napakaraming paraan to grow your resources.When you start a business, you invest in yourself.
Investing in yourself means believing that you’re capable of more than what you’re currently doing.
Spend your time doing things in order to learn, grow and create value.
It can be risky, But you need to focus on what you will learn.
Most successful people failed many times to reach the top.
Because of their failures kaya nila narating kung asan man sila ngayon.
It’s not about how many times you failed, it’s about how many times you tried and to get up.
P.S. I hope may natutunan ka sa blog na ito, at mai – apply mo to on your daily life. It’s not easy I know, and it needs a lot of practice. Motivate yourself to become better every day! Write down your comments if nagustuhan mo ang blog na ito.
Source: Free & Rich University