Your Wealthy Mind

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Your Wealthy Mind Savings and Budget Plan (Tagalog)

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“Hindi sa laki ng kita, pero sa naiipon, napaparami, at kung gaano karaming henerasyon mo ito maipapamana.”
– Robert Kiyosaki

 

Ano ang gagawin mo kapag may nagbigay sa iyo ngayon ng higit pa sa P1 MILLION?

Tandaan mo muna ang sagot mo dahil babalikan natin ito mamaya. Sa ngayon, pag-usapan muna natin ang pag-iipon!

 

Gastos vs Kinikita

Marami sa atin ang gustong makapag-ipon… pero PALAGI na lang may kailangang bilhin, bills na kailangan bayaran, emergency na kailangang bayaran, at iba pang mga bagay na “kailangan” paggastusan. Kung tumaas lang kita natin, makakaipon tayo diba?

Sayang nga lang na kapag tumaas nga kinikita natin dahil sa mga promotions, pay increase, at bonus, mas MARAMI pa rin ang “kailangan” nating bilhin kaya nauubos pa rin ang ating pera.

Kapag tumataas ang Kita, dumadami lang ang GASTOS, hindi ang IPON. Para lang itong pagbuhos ng mas-maraming tubig sa bayong.
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Your Wealthy Mind Savings and Budget Plan

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Tagalog Version (Click Here)
“It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.”
– Robert Kiyosaki

 

What would you do if, right this moment, somebody gives you over P1 MILLION?

Remember your answer as we’ll return to this later. For now, let’s talk about savings and budget!

 

Expenses vs Income

Most of us want to save money… but there are ALWAYS groceries to buy, bills to pay, emergency expenses, and things we “need” to buy. If we only earned more money, we can save more, right?

Unfortunately, when we DO earn more through promotions, pay raises, and bonuses, there are MORE things we “need” to buy so we spend all our money.

Getting more money only makes us SPEND more, not SAVE more. It’s like pouring more water in a weave basket.
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The “Rich vs. Poor” Myth: Hindi Ninanakaw ang Kayamanan, ito’y PINAGSISIKAPAN

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Hindi nilikha ng Diyos ang tao upang maging mahirap.
Wala sa pagkatao natin ang angkop sa pagdurusa at paghihirap. Ang mga tao ay nilikha upang maging masagana, masaya, at matagumpay.
Hindi ginawa ang tao para magdusa, tulad ng katotohanang hindi siya ginawa upang maging baliw o kriminal.
– Orison Swett Marden, Prosperity: How to Attract It

Minsan napupunta ako sa pinakamagagandang malls at shopping centers sa Pilipinas gaya ng Greenbelt, SM Aura, Bonifacio High Street, at iba pa. Sa bawat paglingon ko may mga mayayaman na kumakain sa mga restaurant na ang bawat ulam ay mas-mahal pa sa pangaraw-araw sweldo sa isang trabahador, suot ang mga damit na kasing-mahal ng sweldo nila sa isang buwan, at bumibili ng mga gadgets na aabutin tayo ng ilang taong pag-iipon para mabili.

Sa kabilang dulo ng siyudad, ilang kilometro lang sa mga magagarang lugar ay mga komunidad na mahihirap at hindi kayang mabuhay ng sapat. Ayon sa report ng ABS-CBN tungkol sa Philippine Statistics Authority (PSA) Annual Poverty Indicators Survey (APIS) noong 2014, halos isa sa apat na Pinoy ay naghihirap. Dahil sa kawalan ng mabuting pagkakakitaan, marami ang napipilitang mamulot ng basura para makahanap ng pagkain, natutulog sa kahon sa kalsada, at nanlilimos ng ilang piso para lang mabuhay.

Habang ang ilang mga bata ay naglalaro sa lansangan dahil hindi sila kayang pag-aralin ng kanilang mga magulang (ang edukasyon ay isang susi para makaahon sa kahirapan), ang mga anak ng mga mayayaman ay binibigyan ng lubos-lubusang mga kagamitan, masustansyang pagkain, pinakamabuting edukasyon, at napakarami pa.

Parang hindi ito tama diba?
Oo. Hindi nga ito tama. Paano naman natin ito masosolusyonan?
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The “Rich vs Poor” Myth: Wealth is never Stolen; it is EARNED

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Tagalog Version (Click Here)
The Creator never made a man to be poor.
There is nothing in his constitution which fits drudgery and poverty. Man was made for prosperity, happiness, and success.
He was not made to suffer any more than he was made to be insane or be a criminal.
– Orison Swett Marden, Prosperity: How to Attract It

Sometimes I walk by the most beautiful malls and shopping centers in the Philippines, like Greenbelt, SM Aura, Bonifacio High Street, and several others. Everywhere I look there are rich people eating at restaurants where each dish costs more than a worker’s daily pay, dressed in the finest clothes that costs more than an average employee’s monthly salary, and buying gadgets that would take most of us a few years to save up for.

On the other side of the city, a few miles from those areas of luxury are entire communities who can’t afford a decent lifestyle. According to ABS-CBN’s report on the Philippine Statistics Authority (PSA)’s Annual Poverty Indicators Survey (APIS) last 2014, around one in every four Filipinos live in poverty. Without a good source of income, many are forced to scavenge dumpsters and trash cans for food, sleep in cardboard boxes every night, and are forced to beg for a few coins to survive.

While some children play in the streets wearing dirty rags on weekdays because their families can’t afford to send them to school (a key to moving up in society), the children of wealthy parents have everything handed to them on a silver platter: the latest toys and gadgets, nutritious food, the best education, and far more.

Sounds unfair, right?
It certainly is. Now how can we rise above it?
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From Books to Riches: How You can Learn to Earn Prosperity

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TAGALOG Version (Click Here)
“Many times the reading of a book has made the fortune of a man.”
– Ralph Waldo Emerson
If you were given the choice:

A few books which cost P3,000,

or P5,000 worth of groceries/cigarettes/beer/gadgets which would you choose?

Most people would choose the P5,000 worth of stuff.
…but what if those books can teach you how to invest and BE A MILLIONAIRE in less than 20 years? Will you still choose the groceries and gadgets that probably won’t last a few months?

That’s the choice I once made, and I’ll tell you how it started. Who knows…

Maybe you can do it too…

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