Ingon ani ba dagan sa inyong kinabuhi financially???

[honey2723]

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Hello istoryans! Naa koy ganahan i-share pero since dili ko sure kung asa jud ni cya angay i-butang, I decided I think mas mu-angay ni siya diri nga forum... If dili ni cya bagay diri, palihug lang ko mods ug butang kung asa jud ni cya angay kay nag-mugna2x pud ko diri kung asa jud ni cya mu-bagay. So, to start off the sharing, I'd like to introduce to you guys, THE SCRIPT OF LIFE... Please share kung mu-agree ba mo sa short story...

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THE SCRIPT OF LIFE

If we track the life of average educated people, the FINANCIAL script often goes like this.

The child goes to school, graduates, finds a job
and soon has some money to spend.

The young adult now can afford to rent an apartment, buy a TV set,
new clothes, some furniture and of course a car.

And NOW the bills begin to come in.

One day, the adult meets someone special, sparks fly, they fall in love
and get married.

For a while, life is blissful because two can live cheaply as one.

They now have two incomes, only one rent to pay, and they can afford to set a few
pesos aside to buy the dream of all young couples, THEIR OWN HOME.

They find their dream home, pull the money from savings and use it for a down
payment on the house, and they have a mortgage.

Because they have a new house, they need new furnishings, so they find a
furniture store that advertises those magic words, "NO MONEY DOWN, EASY
INSTALLMENT PAYMENTS".

Life is wonderful, and they throw a party to have all their friends over to see their
new house, new car, new furniture and new toys.

They are now deeply in debt for the rest of their lives.

Then, the first child arrives.

The average, well educated, hard working couple, after dropping the child off at
nursery school, must now put their nose to the grindstone and go to work.

They become trapped by the need for job security simply because, on average,
they are less than three months away from financial bankruptcy.

From these people, you often hear "I can't afford to quit. I have bills to pay,"
or a modification from a song from Snow White and the Seven Dwarfs, "I owe,
I owe, so it's off to work I go."

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I saw this script in one of our trainings, and it basically hits the hard truth. I wasn't able to get a copy of it, but I did see the same script in Wealth Channel, channel 28. (Thank you channel 28 for this! )Sa kadtong mga nakakita, hope it made an impact, sa mga wala nakakita pa ani, post your comments...

[kemiko7]

thanks for sharing..indeed thats the truth, and almost hear it everyday.."daghan kaayo ko bayranan oi"

[pepau]

up nice.....

[brandon boyd`]

yah true! up pud...

[reachingout]

naa sad ko copy ani Honey.....pero ang pinoy mas grabe ka unique..kay sa pag minyo pa lang mangutang naman...kay imbitaron man ang tibouk barangay....mao pa gani pagkaminyo ...daghan na utang.

[honey2723]

sakto jud ka reachingout! sugod palang gali daan, puno na sa utang... bsan karon, bsag single palang, wala pay gibuhi, puno na sa utang... tsk, tsk, tsk...

maong hinay-hinayon ni nato sila ug educate reachingout on how to handle their finances properly...

[peewee_toot]

reality bites jd.

[honey2723]

reality may bite us where it hurts most (our pockets) but the deeper reality is that, we are much more enticed to be consumers... Grabe ang promotion for consumerism nowadays... Bisag nagkalisod na, advertise gihapon nga dapat ta larga didto... Bakasyon diri... Palit ani, palit adto... Dili man nuon na sala sa mga business establishments, kay of course business man na nila noh... ang pinaka-reality bites jud kay, ang mga consumers, kay financially illiterate... bale, financially uneducated...

What do I mean by this? Wala ta natudlo-an ug unsaon atong kwarta ug gamit sa tinarong nga pa-agi... Ang atong exposure as a nation jud, bsag sa mga lolo ug lola pa nato, kay more on save-to-spend nga concept... "Pag-tigom para makapalit ka sa imong ganahan..." Unsaon man pag-tigom? Well, mangita ug trabaho nga nindot ug sweldo... Tungod nag-salig nga nindot ug sweldo, so maka-palit na sya sa iyang mga ganahan... Ang kasagaran pa jud ani nga mahitabo, kay bisag wala pa nahuman ang kinsenas, ting-bitay na. Nya, salig lagi nga naa ray muabot nga kwarta inig sweldo, ang mahitabo, kung naay madunggan nga naa napud outing, apil dayon... Nya since dili masud sa budget, "sige, i-card lang sa nako bay! ganahan ka mu-gamit sa akong card nya ako nalang imong cash para naa koy pang-pocket money?" Aw, sakto kaau! Lipay kaau ang Credit card company... Nya kita nga naka-swipe na, since daku2x ang na-swipe, ang minimum payment lang ang bayaran... "inig sunod sweldo lang nako bultohan ug bayad..." Sakto, inig sunod sweldo kay gibultohan lagi ug bayad, pero since na-free naman pud ang card, swipe na pud balik para sa latest model sa celfone... Mao na ang cycle... Mao na ang reality nga nahibaw-an nato...

pero naay isa ka reality nga wala nahibaw-an sa mga taw, ang FINANCE EDUCATION. (and sa akong na-discover, dili sad ganahan mu-bother kasagaran nato ani, kay samok kuno. "Ha?! Sturya na pud ta about kwarta?! Dili lagi ko ganahan ana kay labad ra na sa ulo... Basta naa lang koy trabaho, nya gi-sweldo-an ko, lipay nako ana...) tsk, tsk, tsk.. Ang reality nga atong na-andan, ma-usab or malikayan ra man jud na nato kung kahibaw pa lang ta unsaon jud nato dapat ang atong gihago-an nga sweldo... Unsaon man? Thru finance education lang jud...

Mao ni ang akong mga nakat-unan thru first hand experience... Kadtong credit card user nga akong gi-mention, similar kaau akong lifestyle ato before, kadtong "Call-girl" pako (aka call center agent). Karon nga ni-focus nako sa Finance Education, daghan na kaau ko ug mahay... Pero at least, naka-sulti ko nga learning experience to sya (nga may pagka mahalon nga learning experience).

sa kadtong mga ni-agree sa short story sa first post, don't loose hope... you don't have to experience it para makat-on mo... it is very much doable as long as mu-exert ta ug effort in learning more about our PERSONAL FINANCES...

[smurky]

"sweldo, bayad, utang... sweldo, bayad, utang... sweldo, bayad, utang..." and so the cycle goes... this is the typical mindset of an average Filipino...

youve got a nice post there honey2723....

at sa mga readers... bato-bato sa langit... ang tamaan... bukol

[cool_guy]

HUH!!! thanks sa post mkahinuktok man sad ta ani uy,,, yeah this is the reality of life but its not too late guys to change everything,,, kita ra maoy nagdala sa ato life so we have to go through the right path jud,,, spend money wisely!!!