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Bakit Kailangan Nating Gumawa ng Emergency Fund Account

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English Version (Click Here)

Sino ba naman ang magaakala, diba? Sino ang makakaisip (bukod kay Bill Gates) na magkakaroon ng ganito kalalang pandemya na pipigil sa ilang mga bansa, magpapalugi ng libo libong negosyo, at mawawalan ng trabaho at hanapbuhay ang milyon milyon.

Habang nagbigay ng suporta ang gubyerno ng Pilipinas sa mga hindi makapaghanapbuhay gamit ang ilang social amelioration programs (SAP o “ayuda”), sa kasamaang palad, madalas hindi ito sapat.

Sa ngayon, kahit nagbalik na ang ilang negosyo dahil sa general community quarantine (GCQ) ngayong Hunyo, mukhang hindi pa rin nagflaflatten ang curve at marami pa rin ang hindi makapaghanapbuhay, tulad ng mga jeepney at bus drivers, atbp. Hindi rin ganoon karami ang mga tao sa labas at karamihan sa mga maliliit na negosyo na nakikita ko ay naghihirap ngayon. Marami rin ang nagsarado na nang tuluyan.

Nakakalungkot talaga.

Sino nga ba naman ang magaakala na mangyayari ito, di ba? Ako hindi ko rin inakala.

May dahilan kung bakit palaging sinasabi ng mga personal finance instructors na mag-ipon ka ng isang “emergency fund”, at ipinakita nitong pandemic o pandemyang ito kung bakit.

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Why We All Need to Build an Emergency Fund Account

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Tagalog Version (Click Here)

Who knew, right? Who could have predicted (aside from Bill Gates) that such a wide-scale pandemic would paralyze entire countries, leave thousands of businesses bankrupt and millions without a job or income.

While the Philippine government have tried to support people who have not had any income during the quarantine with some social amelioration programs (SAP, locally called “ayuda”), unfortunately, it was not really enough.

While some businesses restarted during the general community quarantine (GCQ) in June, the curve does not seem to have flattened at all and there are still a lot of people unable to return to work, such as Jeepney and bus drivers, etc. There’s also not a lot of people around and most small businesses I see seem to be struggling. Many have also closed permanently.

It’s a sad reality.

Who knew something like this would happen, right? I certainly didn’t.

There’s a reason why a lot of personal finance instructors tell people to save up an “emergency fund”, and this pandemic showed us exactly why.

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