IPON GURU

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The Circle of Life. Have you thought about it? Be financially ready. Hit us up in messenger. 😊

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❗"Next time nalang ako mag iipon pag malaki na sweldo ko." ❗

Madalas kong marinig ang mga salitang 'to sa ibang mga taong nakakausap ko tungkol sa pag iipon.

When I asked them when do they plan to save. It hits me everytime they told me that they don't have enough money to save or wala nang natitira sa kanila after paying their bills.

For them, at the rate they are doing today, it's impossible to save money.

Hindi ganun kalaki ang income ko from my day job. I remember nung nagsisimula palang ako sa corporate world, tuwing payday iniisip ko na kung ano ang bibilhin ko for that month.

I will buy new clothes, lifestyle, and other things that I don't really need 😅

At the end of the month, what was left is for me to save. But what was left was little or sometimes NOTHING❗

Nakaipon naman ako, pero I realized that if I used the right formula earlier, I have huge savings today.

The formula that I'm using is the very basic formula of saving; Income - Saving = Expenses.

Sabi nga ni Warren Buffet: “Do not save what is left after spending, but spend what is left after saving.”

But, this formula alone is not enough para masimulan mo ang pag iipon, because you have to build these two: HABIT and SELF-DISCIPLINE.

📍 HABIT

Wag mo muna isipin kung gaano kalaki o kaliit ang sweldo mo. Even if you have little income, you can still start to save.

Simulan mo sa maliit. Pag nakuha mo ang sweldo mo, magtabi ka na agad ng certain amount (50, 100, or 500).

Depende sa'yo kung magkano ang kaya mong maitabi. Ang importante sa simula eh makapag build ka ng habit ng pag iipon.

Eventually, pag lumaki na sweldo mo, isabay mo na rin sa pag laki ng ipon mo.

You'll see sa paglipas ng mga araw, magiging automatic sa'yo ang pag iipon every time that you received your salary.

📍 SELF-DISCIPLINE

This works well with habit.

You have to learn how to control yourself for you to follow what you have planned.

If you have self-discipline, you will have the power to stick with your plan and do what you have to do.

So you have to have self-discipline to follow your habit, without thinking of changing it. Because habit is an action that you need to do consistently to make it automatically.

Isipin mo nalang if wala kang habit at disiplina sa pag-iipon, kung ano yung ginagawa mo nung maliit pa ang sweldo mo, malaki ang chance na ganun din ang gawin mo pag malaki na ang sweldo mo.

Building a habit and discipline today helps you to prepare for what's coming big ahead.

You have a today, so start building a habit and self-discipline today.

Don't wait for your income to increase before you start to save and invest.

Not enough income might prevent us from saving. But without habit and self-discipline, you might prevent yourself from getting your goals.

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Reality Check ✅

"Enjoy your retirement or retire your enjoyment?"

Pili na. Mag-ipon na para maging handa ka. Ang pagtanda at pagkawala ng kabuhayan ay tiyak. Kaya ngayon palang, mag-impok na para sa kinabukasan.

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Mapapa "Goodbye Savings" ka talaga if mali ang pagiipon na ginagawa mo sa ngayon 😥

Tulungan ka namin kung pano ang tamang pagiipon 💪

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