Bakit Hanggang Ngayon Wala Ka Pang Ipon?

2020 pero wala ka pa rin bang ipon? Bakit nga ba?Ano ba ang mga rason kung bakit di ka pa rin makapag ipon?

Wants over needs; buying the things that you don’t necessarily need. Ang dami mo kasing binibili na hindi mo naman talaga kailangan parati kang nakababad sa Shoppee, Lazada o iba pang online platforms na may murang binebenta. You are not obliged to buy for an item if it’s discounted and are on sale. Bumili lamang ng mga bagay na kinakailangan at lagi mong ginagamit. When was the last time that you wore the floral dress and the nude colored flats which you bought from a midnight sale last year? And how many times did you wore those? Ask these questions and try to reflect whether you bought that item because it is necessary or is it just simply a luxury which will only bring a short-term satisfaction.

Too much YOLOing. Wala namang masama na kumain sa mga paborito mong restaurant o di kaya ang panay na order sa Food Panda. Hindi naman din mali na sumunod kay Dora The Explorer, ang kakagala mo sa ibat-ibang bansa, ang papgpunta mo sa bundok at ang beach get-away. Wala..wala naman talagang mali….mali lang kung hindi ka naman talaga sumusunod sa budget mo. Kumbaga you are leaving beyond your means, kakaYOLO mo dumadami din ang mga pinagkakautangan mo.

Madaming utang. Utang dito, utang doon, hindi ka pa ba magtataka kung bakit di ka nakakapag-ipon? Napupunta kasi ang ipon sa interes ng utang mo. Get rid of that debts and better find other opportunities to augment your income. It will not only bring you peace of mind but also will break you free from the bondage of financial burden.

Hindi sanay at di marunong magbudget. Ang hirap pag hindi mo gamay kung paano ang tamang pagbubudget. You can only learn through acquiring experiences and additional knowledge. Learn the basics of allocating savings such as the 80/20 rule.

You cannot control your expenditures. “Kulang ang sweldo”, yan ang parating dahilan kung bakit hindi makaipon. Actually it’s not all about your income but it is how you control your expenditures. You cannot control your income but you can definitely control how you spend and on how you allocate your priorities.

You don’t need to earn 6 digits monthly in order to save, all you need is to revisit the kind of lifestyle that you have, the choices that you made and the practices which determine how you handle your income and expenses. Savings is both a conviction and commitment. Cliché as it may seem but “if there’s a will…there’s always a way!”

{{ reviewsOverall }} / 5 Users (0 votes)
What people say... Leave your rating
Order by:

Be the first to leave a review.

User Avatar User Avatar
{{{ review.rating_title }}}
{{{review.rating_comment | nl2br}}}

This review has no replies yet.

Show more
Show more
{{ pageNumber+1 }}
Leave your rating

Your browser does not support images upload. Please choose a modern one

The following two tabs change content below.

Sharmaine Escarian

Unstoppable, determined and very passionate. A full time HR practitioner, freelance writer, a loving daughter and a seeker of adventures, lifetime learning and improvement. And shall continue to design the life that she has always dreamed of -- inspirational, purposeful and a journey where there is contentment and genuine happiness.

Latest posts by Sharmaine Escarian (see all)

Basahin ang iba pa naming mga posts to know more!

PBCOM Personal Loan

Each of us has a dream—a better education and future for our child. A memorable once in a lifetime dream wedding. A dream vacation with family and friends. Whatever it…

Asialink Finance Corp. – OFW LOAN

Company Name: ASIALINK FINANCE CORPORATION Website: SEC Registration: No. A199711768 Contact Information: (02) 8709-7777 | 0917 808 9215 Email address: Office Address: Suite 210 AIC Gold Tower Emerald…

Kusog Pera – Your Own Unique Personal Bank

Company Name: Kusog Pera Lending INC Website: SEC Registration No. CS201605477 Contact Information: SUN – 09338290350/ GLOBE – 09277794094 Email address: Office Address: 29th Floor, Joy Nostalg Centre,…

OKPeso – Safe Online Cash Loan App

Company Name: Codeblock Lending Inc. Website: N/A SEC Registration No. CS201913681 Contact Information: Can only contact them through their email. Email Address: Office Address: 11th Avenue Corner 39th Street…

HappyCash – Fast Credit Cash Loan Online

Company Name: Yinshan Lending, Inc. Website: N/A SEC Registration No. CS201900108 Contact Information: GLOBE:09272356293 / SMART:09989337974  Email address: Office Address: 3rd Floor,50LDM building, Polaris St.Barangay Poblacion, Makati City HappyCash…

PesoQ – No need for collateral to loan!

Company Name: U-PESO LENDING INVESTORS CORP. Website: SEC Registration NO.CS201816691 Contact Information: Globe: +639 271160484 / Smart: +639 079839333 Email address: Office Address: 2nd Floor, Aseana Power Station,…

Malacash – Online Loans in the Philippines

Company Name: Paylater Lending and Fintech Corp. Website: SEC Registration No. CS201911669 Contact Information: 091 763 62076 Email address: / Office Address: N/A Malacash Lending Highlights MalaCash…

GoPeso – Fast Online Cash Loan

Company name: Sumulong Financing Inc. Registration no.: No: CS201915712 Contact info.: Address: Unit 1402 The Trade & Financial Tower 7th Avenue cor 32nd st., Bonifacio Global City,The Fort, Taguig CityContact…

Leave a Comment