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!”