Three Strategies For Moving Beyond The Trap

Neil Yanto posted blog to category 

May 18, 2017

Are you spending a lot at hindi mo magawang makapag-ipon?

Ikaw ba yong taong na trap sa short term success? Yong tipong nagagawa mong makabili ng mga bagay na gusto mong bilhin like gadget, new shoes or bags, new game, travel or anything na pwede mong pagka gastusan?

Pero hindi mo magawang makapag ipon ng pera?

Here are three strategies for moving beyond this trap.

Spend your free time on free and inexpensive things that you personally enjoy. In other words, sa halip na gumastos ka ng pera sa mga bagay bagay na magbibigay sayo ng panandaliang saya, kung baga pampalipas oras lang. Alisin mo yong ilang bagay na nag spend ka ng time pero gumastos ka ng malaki. Then palitan mo ng bagay na magiging masaya ka na hindi ka naglalabas ng pera. Maraming gawain na mag eenjoy ka na hindi ka maglalabas ng pera like, intead na manuod ka ng movie sa labas bakit hindi mo na lang gawin sa bahay, instead na bumili ng bagong damit bakit hindi ka mag experement sa mga lumang damit mo.

Reflect often on the drawbacks of spending and the benefits of saving. Minsan nag iisip ako ng malalim habang naglalakad ako papunta sa work or pauwi ng bahay o minsan naman habang nanunuod ako ng movie. Iniisip ko yong mga bagay na binili ko at nalaman ko na yong dating saya na naramdaman ko sa bagay na yon nawala na, yung tipong nagsawa na ako. Kapag naiisip ko na bumili ng mga bagay na hindi naman importante, I consider my self na i-save na lang yong pera kaysa gastusin ko. Isipin mo kung anong magagawa ng pera na yon sa financial goal mo instead na gastusin mo yon sa mga bagay na makakalimutan o hindi mo na gagamitin pagkalipas ng ilang araw or buwan.

Alter your social circle. Kung ang social circle mo ay isang dahilan kung bakit nakakapag spend ka ng pera na hindi kasama sa mga plano mo at kung bakit hindi ka makapag save. Then  consider mo na baguhin ang social circle mo. Sabi nga “Having a circle of friends is a powerful thing, but it should not come with a price tag”. Kausapin mo ang friends mo na gawin yong mga bagay na hindi mag re-required ng additional expense.

The idea here is that social interaction shouldn’t require you to drain your wallet. Good friends don’t cost very much.

Think and Fell

  1. Ano-ano ang mga bagay na nakakapag drain sayo ng wallet?
  2. Ano-anong mga dahilan kung bakit hindi mo maiwasan ang gumastos?
  3. Maku-consider mo ba ang tatlong ito para makapag simula kang mag save for your financial goal?

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