09/08/2026
๐ฐ TOTOO BA: โThe More You Earn, The More You Spendโ?
Habang tumataas ang income, minsan tumataas din ang lifestyle. Mas malaking sweldo โ mas malaking gastos โ mas maraming wants โ at kapag may dagdag income ulitโฆ dagdag gastos na naman. ๐
Pero kailangan ba talagang ganito? Hindi!
๐ Paano ititigil ang cycle?
โ
1. I-budget ang income bago gumastos.
Huwag hintayin kung magkano ang matitira. Unahin ang savings at investments.
โ
2. Iwasan ang lifestyle inflation.
Hindi dahil kaya mo nang bilhin ay kailangan mo nang bilhin.
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3. Mag-set ng financial goals.
Emergency fund? Investments? Bahay? Retirement? Give your money a purpose.
โ
4. Increase your savings rate.
Kapag tumaas ang income, subukang dagdagan muna ang savings bago dagdagan ang lifestyle.
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5. Learn the difference between โneedโ and โwant.โ
Hindi lahat ng bagay na gusto natin ay kailangan natin.
๐ก Remember:
The goal isnโt to earn more just to spend more. The goal is to earn more so you can have more choices, more security, and more financial freedom.
Ikaw, kapag tumataas ang income mo, tumataas din ba ang gastos mo? ๐ธ