May mga bagay talaga na gusto nating bilhin pero napapaisip tayo bigla kung kaya ba talaga ng ating budget. Karamihan sa mga bagay na to ay luho na hindi naman talaga kailangan ngunit nakakapagbigay ng panandaliang saya. Ano nga ba ang pinakamabisang paraan upang malaman kung kaya ba natin bayaran ang isang bagay na hindi nababaon sa utang?
Simpleng formula lang ang gagamitin: total amount of item times 5, get the total and compare this with your total monthly income. If your monthly income is greater than the total of the item multiplied by 5, then, you can afford it without the fear of going into debt. But if your monthly income is lesser than the total of the item multiplied by 5, then, its either you forget about it or you try to save up so you could buy it later.
Hindi mo kailangang mabaon sa utang para lamang mabili ang lahat ng luho mo. Kung ayaw mong awitin ang kantang “Its The Climb” ni Miley Cyrus, be wise and handle your finances responsibly!
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