WORK HARD, EARN, SAVE, INVEST AND SPEND WISELY. THIS IS THE HABIT OF RICH AND SUCCESSFUL PEOPLE.
Ganito ba ang nangyayari sa iyo? Tanggap ng sweldo, Bayad ng Utang, Gastos ng Natira, Trabaho then Tanggap uli ng Sweldo, then ulit na naman and so on and so forth. We call this as "Rat Race" kung saan ang daga ay paikot-ikot lamang ang habol sakeso at hindi maka-alis sa cycle o paikot-ikot na buhay ng Sweldo-Bayad-Utang.
You work hard and yet you feel that you are still in debt and your income is still insufficient for you. To some, the solution is to ask for a raise in their salaries from their employer. Sabi ni Robert Kiyosaki sa kanyang librong "Retire Rich and Retire Young", "if you want to get rich, don't ask for a raise. Instead of asking for a raise, begin to ask how you can serve more people. In fact, if you are serious about becoming rich, you don't really want a raise. "Most people are not aware that there is good income and bad income, and most people do not become rich because they work hard for bad income. When you ask for a raise, you ask an increase in bad income. If you want to retire young and retire rich, you need to work hard for the right kind of income."
Isa lang ang sinasabi ni Robert Kiyosaki, if you want to be rich or increase your earning capacity, do not rely too much in your salary or wages from your employer. Ang akala natin na ang pagtaas ng ating sweldo ang magpapayaman sa atin at magbibigay ng financial freedom. Pag tumaas ang sweldo ay tumataas din ang spending kung kaya patuloy tayo na nasa Rat Race. This is because we concentrate on our active income and not in our passive income. There are two kinds of income pala. Dati noon, ang akala ko ay isa lamang, yong bang tuwing "kinsenas" at "katapusan". Meron pala "ACTIVE INCOME", ito ay mga income o kita galing sa pagtratrabaho natin o galing sa mga pawis natin at ang isa naman ay "PASSIVE INCOME", ang mga income na galing sa mga pera na na-invest natin o ginawang puhunan o mga property na kumikita kahit hindi tayo nag-tratrabaho. ANG ACTIVE INCOME O KINIKITA NATIN AY LIMITED DAHIL LIMITADO ANG ATING EARNING CAPACITY BILANG TAO. YOU CANNOT WORK 24 HOURS A DAY. PARA PALAKIHIN MO ANG EARNING CAPACITY MO, YOU HAVE TO SAVE MONEY IN ORDER THAT MONEY WILL WORK FOR YOU AT DITO PUMAPASOK ANG PASSIVE INCOME. We have to change our attitude about our income. We have to work hard for our passive income, which will increase our earning capacity.
Ayon kay T. Harv Eker, ang author ng Secret of Millionaire Mind, ang PASSIVE INCOME ay may dalawang klase, ito ay "MONEY WORKING FOR YOU" katulad stocks, mutual funds, T-Bills at time deposits. Bilang abogado ni Francisco Colayco ng "Pera mo, Palaguin Mo", ito ang isa sa mga tinuturo namin sa "Colayco Foundation for Education, Inc., kung paano mag-invest sa mutual fund. Ang isa naman ay ang "BUSINESS WORKING FOR YOU" kung saan ang pera na na-invest mo sa isang business ay kumikita ng pera kahit hindi ka personal na nag-aayos nito katulad ng renta o upa sa paupahang apartment, mga taxi at paupahang sasakyan o equipment at iba pa.
Our financial freedom starts with the change of right attitude earning and managing our money. By having financial freedom and the right attitude in earning and managing your money, we could both be rich and happy.
CHANGE OUR ATTITUDE ON HOW WE EARN AND HOW TO USE OUR INCOME, AND WE WILL BE BOTH RICH AND HAPPY.
(by Atty. Marlon P. Valderama and E-Lawyers Online)
