Baon ka ba sa utang? Max-out na ba ang credit card mo? Kita/Income Less Pangastos Equals Ipon, ganito ba ang habit mo sa paghawak ng pera?
Ang kinalalagyan natin ngayon ay produkto ng ating mga aksiyon at ang aksiyon natin ay base sa mga habit na ating nakuha mula sa pagkabata. Saving money is a result of a habit, a repetitious actions throughout your life that it is already in your mind. The Habit of Saving is a way of conserving your earning in a systematic manner and gives you an opportunity and vision, self-confidence, imagination, enthusiasm, initiative and leadership to increase your earning capacity.
Kita/Income Less Panggastos Equals Ipon (Income – Expenses = Savings) is a bad habit dahil hindi mo dito naprioritize ang pag-iimpok. This kind of habit promotes wastage and not conservation of your earnings. Ang income o kinikita natin ay limited dahil limitado ang ating earning capacity bilang tao. You can’t 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.
We should have a habit of “Kita/Income Less Ipon/Savings Equals Panggastos (Income – Savings = For Expenses).” In this way, we are forming a habit of saving a part of the income that we could use to invest. This savings are money that will work for us, a source of our passive income.
Ayon kay T. Harv Eker ng The Secrets of the Millionaire Mind, like attracts like, money attracts money. Kung kaya ang tip niya para maging financially free at makaalis sa kahirapan ay to open a “financial freedom bank account” kung saan 10% ng iyong income ay ipunin mo upang magamit mo na pambili ng assets para sa iyong passive income. Ang passive income ay mga property na kumikita kahit hindi mo ito pinagtatrabahuhan katulad ng “paupahang partment”, “mutual funds”, etc. Ito ay hindi ginagastos kundi ito ay patuloy na iniinvest kasama ang mga income nito upang lumaki ng lumaki.
INCREASE YOUR EARNING CAPACITY BY HAVING A HABIT OF SAVING. SAVE MONEY AND LET THAT MONEY WORK FOR YOU.
Atty. Marlon P. Valderama
(E-Lawyers Online)
