5 Reasons Why Most People Fail In Personal Finance

Neil Yanto posted blog to category 

May 17, 2017

Quotes: “You can’t get out of debt while keeping the same lifestyle that got you there. Cut out everything except the basics.”

Bakit kaya ang hirap mag-ipon?

Mahirap talagang mag-ipon PERO the ideas behind personal finance are easy, sa katunayan putting them into practice is incredibly hard.

Kaya maraming Pilipinong nabubuhay sa paycheck with paycheck and only 3 to 5 % of Pilipino ay namamanage nila ang kanilang wealth para makapag retired in comfort life.

The concepts are easy. Actually, making it happen? It’s very hard.

Bakit ba mahirap? Bakit maraming taong naghahangad ng magandang buhay at nagpaplano for financial success, PERO maraming pilipino ang nagfi-fail sa bandang huli.

Here are the 5 Reasons why most people fail in personal finance:

Reason #1: Spending Money Offers Positive Short-Term Feelings While Saving Money Does Not

Let’s be honest: masayang bumili ng bago, something na gusto natin. Meron something of pleasure na nararamdaman natin na nagmumula sa pagbili ng bagong damit, or bagong gudget, or bagong sapatos, or bagong books or ano mang bagay na pwede nating pagkagastusan.

Ang problema, yung positive feeling na nararamdamin natin ay hindi pangmatagalan. Maiisip natin na kaylangan natin ulet bumili ng mga bagay na yon para maramdaman natin yong panandaliang sayang naibigay satin.

Kaya naman mahirap nating bitawan yong personality natin na kapag meron tayong pera gastos at gastos pa rin ang naiisip natin kaysa mag-ipon ng pera.

Reason #2: Financial Goals Typically Take a Long Time to Achieve

Kung ikaw ay may malaking Goal about Financial na pinaplano ngayon, meron kang goal na gustong maachieve, kung iisipin natin making/saving a lot of money it takes time to achieve and measured in years or decades, not days or months. Lalo na kung ang goal mo ay financial freedom.

Kung papansinin mo, ang tao talaga ay maliit ang patient, kakaunti ang pasensya. Kapag nag start na yong araw na nahihirapan tayo or naiisip natin na tumatagal na or  matagal nating makukuha ang bagay na gusto natin dahil kaylangan ay taon bago makuha, don na nagsisimula na iwanan natin o mag give up don sa goal na nasimulan na natin.

At ang mangyayare maghahanap ulet tayo ng another goal na sisimulan natin. At madalas itong process na ito ay nagiging routine na sa buhay natin. Start making goal and give up then start making goal again then give up again. Life routine na natin hanggang tumanda tayo na walang nangyare.

Reason #3: Financial Goals Are Often Very Passive After the Initial Actions

Isang bagay ang kaylangan mong gawin para makuha mo ang financial goal mo sa buhay ay mag TAKE ACTION as fast as you can to get things in place, kapag nagawa mo yon, mas lalapit ka sa iyong goal at magagawa mong i-run as autopilot.

Yan ay isang magandang bagay in terms of consistency, Pero in terms of feeling na connected tayo sa goal natin at yong feeling kung papaano natin gagawin iyong bagay na yon, yon yong mahirap. Yung tagal ng araw na gugugulin natin para makuha natin yong goal natin ay pwedeng maging dahilan para madisconnect tayo sa goal natin at ang resulta ay madaling tayong mag fail and from there it’s easy to simply quit.

Reason #4: Financial Goals Can Seem Impossible to Reach

When you sit down at iisipin mo “magkano ba yong goal na gusto, ilang digit ba yong gusto kong savings”, madalas don pa lang iniisip na natin na hindi natin kayang abutin or pangarap lang yung ganung goal.

Kung titingnan mo, yong goal ay may required na magkameron ka ng ten times o mas mataas pa sa iyong annualy salary para makapag retired ka ng mas maaga o magkaroon ka ng savings na gusto mo. At nararamdaman natin na parang ang hirap abutin ng ganung goal.

Maraming Pilipino, don palang give up na sila. By not even trying. At dahil dyan, hindi na nila makuha yong gusto nila o mabuhay sa gusto nilang buhay.

Reason #5: Life Always Seems to Intervene

One big final reason why it’s hard to make financial progress is, well, dahil sa ordinary life.

Gaano man kaganda ang plano natin sa buhay, minsan ang buhay natin ay isang malaking Bad Timing. Pwedeng mawalan ka ng trabaho. Minsan magkakasakit ka. Palagi kang overtime sa work mo. Emergency na hindi ka handa.

At, with that, yong plano mo ay magsisimulang mawala. Yong landas na tinatahak mo, mapapansin mo na lang, pawala na nang pawala hanggang hindi mo na nagagawa.

Pero hindi lahat pwedeng mangyare sayo ito. YOU CAN TAKE ACTION NOW to protect your progress toward your big goal.

Think and Feel

  1. Anong mga dahilan bakit hindi mo magawang makapag ipon?
  2. Anong pumipigil sayo para hindi gawin yong dapat ginagawa mo ngayon?
  3. Anong mga paraan ang ginagawa mo para makuha mo ang iyong goal sa buhay?

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