Homebased Financial Educator

PAANO BA MAG SAVE?

Eh maliit lang sweldo ko, hindi ko kaya yan!

I got this message almost everyday and same scenario sa nabasa ko na article ni Bro Bo Sanchez.

Once, a man invited me for coffee and asked for advice. At one point in our conversation, he ranted about his financial state. His major complaint was about how low his salary is.

He said in jest, “Ang sweldo ko parang sibuyas. Pag hinati hati ko na sa mga gastusin, naiiyak na lang ako.”

I advised him to lower his expenses. He answered, “Paano magbabawas ng gastos, eh sagad na talaga? Kulang talaga eh.”

To answer, I brought out a pen, gave him a clean table napkin, and said, “I will ask you questions and if you answer yes to any one of them, just write ‘yes’ on the tissue paper.”

He obliged. And so I started asking him the following:

Do you drink soft drinks?
Do you smoke?
Do you eat snacks?
Are your kids studying in an expensive school?
Do you buy branded clothes?
Do you have more than one cell phone?

In my mind, if he answers even one “yes” to any of these questions, I would tell him that he had not exhausted all means to lower his spending.

He had not yet reached absolute bottom.

If, however, he never wrote “yes” to any of my questions, I have a “sure yes” question: “Did you pay for my coffee?” He will definitely answer “yes.”

If you are like my friend who can answer “yes” to any of my questions, then hindi ka pa sagad!

You just need to manage your finances better.

Then if ever na "NO" sagot mo sa tanung and still hindi enough, lagi ko sinasabi find another source of income.

Mahirap? of course mahirap talaga, we really need to make sacrifices kung may gusto tayo makuha.

Wala sa laki or liit ng sweldo yan, nasa pag handle ng pera yan.. Hindi lahat ng malaki sweldo may ipon at hindi lahat ng maliit sweldo walang ipon, always remember that....

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