3 IWAS-WAYS FROM MILK TEA TO MAKE #IPONPAMORE

Mapa-TV ads, posters sa labas ng tindahan, tarpaulin standees,
Facebook pages, discount coupons at loyalty cards…
Kung papansinin natin ito lahat, tila ang laman na lang ay “milk tea”.
Ha-ha! Pangalawa na ata ang pagkakahilig natin sa milk tea
aside sa madalas nating pag-se-selfie. Naku!

Sino pa ba ang hindi nahihilig sa milk tea ngayon?
Wherever we go, there they are. Milk tea everywhere na talaga.
It’s like we cannot resist their presence.
“Tara, milk tea!” pa lang na yaya ng barkada,
hindi na maiwasang hindi maging pokmaru.

Paano na tayo niyan makaiipon, mga KaChink?
Paano na ang 50/50 Iponaryo Challenge natin kung ganito?
Anong mas pipiliin natin? Pagiging pokmaru sa milk tea o sa pag-iipon?
Why don’t we try these three IWAS-WAYS
to make #IPONPAMORE than milk tea.

TIP #1: MAKE A STRICT BUDGET PLAN

Kapag sinabing “strict”, it means “disciplined” or “non-negotiable”.
Kung desidido at dedikado tayo sa ating pag-iipon
we must be careful and disciplined in managing our finances.

Not that we deprive ourselves of the things we can enjoy,
but by being extra careful and diligent.
It’s like giving value to every piso that counts
when we spend, and all the more save. Paano?

For example, we have a budget of P1,000
as allowance for 6 working days and our usual expenses:
Fare (back and forth) – P35.00 x 6  = P210.00
Meal (for lunch time) – P100.00 x 6 = P600.00
Spare (for emergency purposes)    = P100.00
         TOTAL  = P910.00

Excluding our separate budget for other necessities.
Kung tayo ay nagtatabi ng P50.00 per week
as our baby steps sa pag-iipon,
we don’t have enough para ipanggastos pa ng milk tea.
Unless kaya nating isakripisyo ang ating P50.00
na ipon sana in exchange of 1 order of milk tea.
Pagkatapos ay every week pa ang bilihan the least.

TIP #2: EXECUTE AND FOLLOW THE STRICT BUDGET PLAN

If we have already decided our “strict budget plan”,
then we have to execute it and follow it.
We can execute it in a way na i-separate na natin
yung halaga para sa pagkain, fare at emergency fund.
Pagkatapos ay dapat sa certain amount lang na yu’n
iikot yung posibleng expenses for a day or week.
Sa ganun ay careful nating nasusunod yung ginawa nating plan.

Everything starts with us. We have a free will to choose.
And use the free will to make a better choice.

Iwas-iwas din kung may time sa milk tea establishments
para hindi ma-tempt bumili! Sayang din
ang P50.00 to P90.00 na pwede pang ipandagdag ipon.
Kung dati ay kaya nating mabuhay ng walang milk tea,
kakayanin pa rin natin ngayon basta may ipon. He-he!

TIP #3: #IPONPAMORE MUNA BAGO MILK TEA

We have so many ways to be effective sa pag-iipon.
Matapos iwasan ang milk tea, then it’s time
to set aside our P50.00 with a purpose to save.
We can even save P50.00 daily in 50 days. We can cut-off
some expenses sa food kung sobra naman,
so we can give way sa ating Iponaryo Challenge.

Baka magulat na lang tayo, enough na pala
yung ipon natin pambayad ng bill sa kuryente at tubig!
Isama pa pati renta ng bahay, at groceries.
If we can be determined enough to follow our ipon tips,
then we can surely achieve our dream ipon amounts.
Hindi lang sana tayo pokmaru sa milk tea, dapat mas pa
sa pag-iipon.

“Sign na Pokmaru tayo ‘pag sinabi sa ‘tin na ‘Tara Milk tea!’ umu-oo tayo agad at nanginginig pa.”
-Chinkee Tan. Filipino Motivational Speaker.

THINK. REFLECT. APPLY.

• Mas malaki ba ang nagagastos mo per week sa milk tea?
• Do you prioritize to satisfy your cravings rather than being practical?
• How can you improve your savings with these tips?