Sa dami ng mga nag-gagandahang produkto
sa shopping malls, sa online websites, at sa mga tiangge,
parang lahat gusto na nating bilhin. #Relate?
Alam n’yo yun, yung bagong labas na iPhone casing,
selfie stick na may stand, plain black umbrella
na kapag nababasa ng ulan, nag-iiba ang kulay.
Ano pa nga ba ang hindi nagagawa ng teknolohiya ngayon?
Whether magamit man natin nang pangmatagalan,
panandalian, o kaya’y naging pang-display na lang.
Basta maganda at kayang bilhin, madalas go lang ng go!
Ano itong isang bagay na binili n’yo,
tapos hindi naman nagamit?
Yung nahikayat lang bumili dahil uso.
Well… Sabihin man natin na hindi lang isa
kundi dalawa at higit pa ang mga ito,
pero ang nabili na ay nabili na.
Para hindi magsisi sa huli,
baka pwede tayong maging proactive. Paano?
THINK NOT JUST TWICE, BUT MORE THAN THREE TIMES
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Kahit gaano pa natin i-convince ang ating sarili
na yung sapatos, bag, damit o gadget ay necessity for us,
let us think nang ilang ulit hindi lang dalawang beses.
“Kailangan ko ba ito ngayon?”
“Pinag-ipunan ko ba ito?”
“Kasama ba ito sa bucket list ko?”
Kung ang sagot natin ay strongly NO
sa tatlo (pa lang) na mga katanungang ‘yan,
huwag na tayong mag-attempt na bilhin yung produkto.
Baka pagsisihan lang natin yun
kasi nag-impulsive buying na naman tayo.
‘Di ba, tayo ay nag-iipon?
At kasama sa ating pag-iipon ang…
KEEPING OUR SELF-CONTROL IN POISE
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Not only just thinking things over
for more than three times for assurance,
It’s also keeping our self control against overspending
which can cause ourselves sa pangungutang later on.
Lalo na kapag nagkulang ang ating allowance
dahil sa madalas na pag-sa-shopping at paggastos sa ibang bagay.
If we have practiced the habit of being self controlled inside,
every time na dadating yung SALE, Buy 1 Take 1 Promo or price drop
sa madadaanang shopping malls o mga tiangge,
hindi tayo madadala agad-agad sa madaliang pagbili.
Nagkakaroon tayo ng ekstra minuto para makapag-isip nang tama,
at not out of our emotions tulad nang excitement.
Sa mga pagkakataong ito, pwede nating mapag-isipan
ang urgency nang pagbili ng gamit, ang immediate use sa atin,
at pwede pa nating ma-double check ang ating budget.
BUDGETING AHEAD OF TIME
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May isa akong kakilala.
Every time na makakatanggap siya ng sweldo,
hindi niya muna ito ginagastos o binabawasan man lang
not until makuha na niya ang kanyang payslip.
And if ever na nasa kanya na ang payslip at sweldo,
pinaghahandaan na niya agad ang budget for the remaining weeks.
Sana ay ganito rin ang iba sa atin.
Kung maaga nating nakukuha ang sweldo o payslip,
it is better to have a list ng mga pagkakagastusan after we have
set aside savings and carefully sorted our needs from wants.
Once we practiced the habit of what I mentioned above,
makasasanayan din natin ito
hanggang sa madisipilina tayo sa paggastos.
“Hindi porke uso ay bibili na agad tayo. Siguraduhin munang magagamit ito hindi lang dahil nahikayat tayo.”
-Chinkee Tan. Filipino Motivational Speaker.
THINK. REFLECT. APPLY.
- May isang bagay ka ba na nabili pero hindi naman nagamit?
- Anong ginawa mo dito?
- How do you apply now what you have learned?
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Chinkee Tan is a Wealth Coach, Keynote Speaker, and Best-selling Author on personal finance and wealth management. He has written 16 best-selling books and counting. His mission is to equip millions of Filipinos to be free from financial stress & experience financial freedom.