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Building Wealth the No Nonsense Way!

10 Financial Advice from Chinkee Tan

1. Huwag kang bumili nang mamahaling cellphone. Dahil laging may bagong lalabas na new model na mas higit pa sa nabili mo. 📱

2. Huwag kang mangungutang para lang may maipagyabang. Kung mangungutang ka man, gamitin mong puhunan sa negosyo para lumago 💼

3. Huwag kang masilaw sa mga naka-sale o free delivery. Kahit gaano pa kamura yan, sayang lang kung itatambak mo at hindi mo magagamit.

4. Huwag kang bumili ng bagay na hindi mo pa afford. Pag-ipunan mo ito hanggang sa kaya mo nang bayaran in cash. Sayang ang interes kung ipapangutang mo lang 👔

5. Ipunin mo ang pera kahit pabarya-barya. Kapag pinagsama-sama mo yan malaki ang maiipon mo kaysa wala. Tandaan na walang isang libo kung kulang ng piso. ⌚

6. Huwag kang mamasyal kung ipapangutang mo lang. Pag-ipunan mo muna ang travel fund. Mahirap mamasyal nang may inaalalang utang dahil hindi ka mag-eenjoy. 👙

7. Huwag ka munang bibili ng kotse kung hindi mo ito pagkakakitaan. Lalo na kung wala kang parking space. Tandaan na nagde-depreciate ang value nito pagtagal🚗

8. Huwag kang bibili nang bahay kung hindi mo pa afford bayaran. Dapat ay may budget ka pa rin sa mga appliances at iba pang expenses. Maraming bayarin bukod sa bahay 🏫

9. Needs = Mga bagay na kailangan mo para mabuhay nang maayos. Wants = Mga bagay na kahit wala ang mga ito ay mabubuhay ka naman. Kaya laging unahin ang needs over wants.

10. Tandaan na hindi masama kung ikaw ay maging Kuripot dahil ang pera mo ay hindi pinupulot 🗂️

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𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗔𝗟 𝗔𝗗𝗩𝗜𝗖𝗘 𝗧𝗢 𝗬𝗢𝗨𝗡𝗚 𝗔𝗗𝗨𝗟𝗧𝗦

This advice can help you achieve financial independence and early retirement. Apply it for a year, and you'll learn a lot. 😎

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