19/03/2020
SAAN NAPUNTA ANG SUWELDO MO?
Parating na ang paborito nating araw sa buong buwan, PAYDAY!
Pero yung tanong, are you using your income WISELY? Iām sure marami nakaka-relate dito, yung iba, pagdating pa lang ng sweldo, biglang mag-aaya na agad ng samgyupsal o kaya shopping! The next thing you know, ubos na pala 80% ng sweldo mo sa kaka-impulsive buying.
Karamihan kasi sa society natin nowadays, they are not planning on how to allocate their salaries efficiently. Minsan pagka-credit na sa bangko natin ng sweldo, ginagastos na lang agad, tapos pag may naiwan ng kaunti yun na yung savings.
Ang nangyayari tuloy na equations is:
INCOME - EXPENSES = SAVINGS.
When in reality the proper equation is INCOME - SAVINGS = EXPENSES.
Weāre not saying that you canāt use your hard-earned money to do things you enjoy, all weāre saying is you should spend wisely and focus more on your NEEDS rather than your wants. Hereās a great and simple way you can effectively allocate your salary: 70% goes to EXPENSES, 20% goes to SAVINGS, then 10% goes to INVESTMENTS.
Simple enough right?
But why canāt the majority follow this simple formula? Itās because of the lack of SELF-DISCIPLINE.
Kaya mga ka-Investa, make sure natin na ginagamit natin ang mga sweldo natin in such a way na weāre able to enjoy life while at the same time preparing for whatās to come in the future!
Credit to INVESTAGRAM
