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10 Negative Money Beliefs that can Bring You Financial Failure (PART 1 of 2)

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Mahatma Gandhi taught us that your beliefs become your thoughts, your thoughts become words, your words become actions, your actions become habits, your habits become your values, and your values become your destiny. In short, the things you believe in will determine the destiny you will achieve.

If you have negative beliefs about money, they will likely cause you a lot of financial problems. Here are 10 bad money beliefs that you NEED to get rid of now if you want to increase your chances of becoming financially successful.

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10 Masamang Paniniwala Tungkol sa Pera na Magdudulot ng Iyong Pagkabigo sa Pag-Asenso (PART 1 of 2)

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Itinuro ni Mahatma Gandhi na ang iyong paniniwala ay magiging pagiisip mo, ang pagiisip mo ay magiging salita, ang iyong salita ay magiging paggalaw, ang paggalaw mo ay iyong makakasanayan, ang iyong mga nakasanayang gawin ay magiging pinahahalagahan o values mo, at ang iyong values ay magiging iyong tadhana. Sa madaling salita, ang mga bagay na pinaniniwalaan mo ay magiging basehan ng tadhanang makakamit mo sa buhay.

Kapag may masamang paniniwala ka tungkol sa pera, malamang magdudulot ito sa iyo ng napakaraming problema sa pera. Narito ang sampung masamang paniniwala tungkol sa pera na kailangan mong iwasan ngayon kapag pangarap mong pagbutihin ang pagkakataon mong umasenso sa buhay.

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30 Pinakamahalagang Payo Tungkol sa Pera na Kailangan Mong Matutunan Ngayon

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Gustuhin mo man o hindi, mahalaga ang pera sa buhay natin ngayon. Kung gusto mong mabuhay at umasenso sa panahon ngayon. kailangan mong matutunang gamitin ang pera ng mabuti. Kung pangarap mong yumaman, narito ang 30 na payo tungkol sa paghahawak ng pera na kailangan mong matutunan ngayon.

 

30 Pinakamahalagang Payo Tungkol sa Pera na Kailangan Mong Matutunan Ngayon

1. Alamin mo ang iyong kalagayang pinansyal. Masagana ka ba at mayroong ilang libong nakainvest sa mabubuting negosyo at assets, o nabaon ka ba ng ilang daang libo sa utang? Hindi mo masosolusyonan ang iyong mga problema kapag hindi mo aaminin kung may problema ka pala, at hindi mo mahahanap ang mga oportunidad para umunlad kapag hindi mo sila hahanapin.

2. Gamitin mo ang pinakamabuting paraan para makaipon ng pera: “Pay yourself first!” (Ang idea dito ay “mag-ipon muna”) (Maglagay ka muna ng pera sa ipon bago gumastos.)

3. “It’s not how much you earn, but how much you keep.” (Hindi lang sa kinikita kundi pati na rin sa naiipon.) Walang kwenta ang mataas na sweldo kapag isinugal o winalgas mo lang ito sa mga mamahaling kagamitan na hindi mo naman kailangan.

4. Mag-ipon ka para sa mga oportunidad at emergencies. Ang ipon na ito ay pwedeng maging capital para sa iyong negosyong naisip itayo, o perang magagamit kapag nawalan ka bigla ng trabaho.

5. Iwasan mo ang sobrang pangungutang.

No one can be happy, no matter how optimistic, who is forever in the clutches of poverty, of harassing debt.

— Orison Swett Marden

(Walang magiging masaya, gaano man kaganda ang pananaw nila sa buhay, kapag sila ay habang buhay nabaon sa kahirapan, at mapang-aping utang.)

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30 Most Valuable Personal Money Management Tips You Must Learn NOW

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Like it or not, money is an important part of modern life. If you want to survive and do well in today’s world, you have to learn to use it wisely.  If you want to become financially well off, then here are 30 awesome personal finance tips that you have to learn now.

 

30 Most Valuable Personal Finance Tips You Must Learn NOW

1. Know your financial standing. Are you financially stable with thousands invested in good businesses and assets, or are you thousands in bad debt? You can’t solve problems if you don’t acknowledge that there is a problem, and you can’t find opportunities to improve on if you don’t start searching for them.

2. Use the number 1 money saving technique: “Pay yourself first!” (Save money first before you start spending).

3. “It’s not how much you earn, but how much you keep.” Having a high salary won’t matter at all if you gamble it all away or waste it all buying expensive junk that you don’t need.

4. Establish a savings fund for opportunities or emergencies. It can be your initial capital for a business idea, or a cash buffer if you suddenly lose your job.

5. Avoid bad debts.

No one can be happy, no matter how optimistic, who is forever in the clutches of poverty, of harassing debt.

— Orison Swett Marden

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Things Debt Free People Do That You Don’t

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*Contributed by Hellen McAdams.

Unfortunately, debt seems to be a reality for most people today.

If you are young, have just entered your married life and maybe had a baby recently, there is a good chance that you loaned some money from the bank somewhere along the way.

And while it can prove to be quite difficult, living with debt and eventually getting out of it shouldn’t be so stressful nor impossible to do.

If we take a look at some habits that debt-free people have and try to imitate them, there is a good possibility of us getting out of debt in no time.

Nobody is saying that becoming financially independent again is an easy task to achieve (this heavily depends on the amount of debt that needs to be repaid), but if you follow a particular path, you will succeed.

So, what is it that debt-free individuals do that you don’t and what you should do to be more like them?

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