Ang isa sa mga sikreto ng mga mayayaman kaya sila patuloy na yumayaman ay ang konsepto ng “pay yourself first”.
Unfortunately, many people don’t know this concept.
Actually, ginagawa nila ang kabaliktaran ng ginagawa ng mga mayayaman.
They pay themselves last. Ano ibig sabihin ng paying yourself last?
Kapag nakatanggap ng income, ang unang gagawin ay gagastusin ang pera. Nagbabayad agad ng bills or debts. At syempre, gagastos para sa lifestyle like buying clothes, gadgets or simple eating out or manonood ng sine. Kaya ang nangyayari, walang natitira sa sahod nila pagdating ng katapusan ng buwan.
Ang masaklap pa niyan, minsan, malayo pa ang sahod, ubos na agad ang pera. Kaya ano ang gagawin? Uutang para maka-survive hanggang sa susunod na sahod.
These people live pay check to pay check and they never improve their financial status. That is why you have to start the habit of paying yourself now.
Yes, it is a habit. And like all habits, kailangan mo ng matinding disiplina para magawa ito consistently. Now that you understand the importance of the pay yourself concept, there is an equal important answer of a question that you need to know.
How do I pay myself first?
There are many ways out there, but the most popular one is, pay yourself 10% of your monthly income. And what do you do with the 10%? You invest it and you will unleash the power of compound interest.
Ang pinaka simpleng explanation ng compound interest ay ganito.
Compound interest happens when you earn an interest from your savings account and that the same interest will start to earn interest on its own.
Ito yung tinatawag nilang interest on interest. One of the popular forms of compounding interest are mutual funds.
Ang konsepto ng compound interest ay ang rason kung bakit napakaimportante na matutunan mo ang paying yourself first.
When you manage your savings this way, you will be amazed on how your small amount of money can turn into a fortune.
Kaya tandaan, if you want to be rich, do what the rich people do.
Pay yourself first.
Instead of funding your debtors or your lifestyle, start investing in your future and one of the best ways is compound interest.
If you do this correctly, this can be your ticket to being financially independent.
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