HOW CAN MY SWELDO STAY FOR THIS WEEK?

Sabi nga nila, walang permanente sa mundo.
Lahat may hangganan, may limitasyon, may expiration.
Yung kahit gustung-gusto na natin mag-stay pa,
pero sila na mismo ang gustong lumayo o kumawala.

Hindi naman ako humuhugot dahil may pinagdadaanan.
Pero parang ganun na nga everytime naaalala ko ang mga panahon
kung kelan ang sweldo ko noon ay hindi tumatagal.
(Mga panahon ng humble beginnings. Naks!)
Alam n’yo yun? Yung umaalis kaagad,
kahit kadadalaw lang (withdraw). Ha-ha!

Naranasan n’yo na rin siguro yung ganito?
Eh bakit nga ba madalas na hindi tumatagal ang ating sweldo?
Ano ang magandang gawin para mapigilan ang sobrang paggastos?

HUWAG MUNANG GASTUSIN O BAWASAN ANG PERANG NA-WITHDRAW

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Siguro ang iba sa atin ay ang dami na agad na tanong at comments.

“Kaya nga ako nag-withdraw dahil para may panggastos!”
“Bakit hindi ko agad pwedeng gastusin?”
“May difference ba sa paggastos ngayon o later na lang?”

The truth is, there is a difference sa paggastos
right after mag-withdraw,at few days after mag-withdraw.
Ano ang difference? Consequence, for one!

Kapag nauna ang gastos, maliit na ang chance na makapagtabi ka
pa ng ipon. Kung ikaw naman ay may carefully planned budget, at ise-set
aside mo muna ang kaukulang savings, you’re on the right track sa pag-asenso kapatid!

EXAMINE YOUR PAYSLIP FIRST

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Why? Because checking the breakdown of your salary encourages you
to become more cautious in the manner you save and spend your money.
Examining your payslip  will help you keep track of your earnings and deductions.
Balik tanawin mo rin ang iyong araw-araw na pagpapagal bago ka sumahod.
Ipaalala mo sa iyong sarili ang lahat ng mga iniraos mong overtime para lang
ma-meet ang deadline at ma-complete ang project.

Remembering this, basta ka na lang ba gagastos paka-sueldo?
Or mas magiging conscious ka pa sa iyong purchases after mo ma-sort nang klaro ang needs and wants mo?

PRIORITIZE SAVINGS

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Kung gugustuhin talaga nating may matira
from our salary, #IPONmuna is the key.
That is why I encourage everyone to start saving
kahit piso pa lang ang meron tayo.
Kung tayo ay determinado, tiyak na ito ay lalago and will turn into bills,
at magiging inspired pa lalo tayo sa pag-iipon natin.

Discipline over budgeting, saving and spending ay magiging daan para tayo
ay mas maging responsable sa paghawak ng ating sweldo.

“May mga bagay talaga na mahirap mag-stay kahit gustong-gusto natin.
Hindi ko sinasabing ang sweldo ko ito ha pero parang ganun na nga.”
-Chinkee Tan, Filipino Motivational Speaker.

THINK. REFLECT. APPLY.

• Madalas ka rin bang iwan ng sweldo mo?
• Ano ba ang mga pinagkakaabalahan at pinagkakagastusan mo lately?
• Paano mo mapapanatili ang sweldo sa mga palad mo?

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