13/07/2023
Partly not true.
Actually, regardless how big is your income if di mo alam paano imanage ng tama ang iyong pera, magkaka problema ka parin.
Yes we all do have problems and challenges pero mas marami ang problema sa taong di marunong mag save at mag manage ng pera.
Imagine.
What if a 25K earner saves P5,000 a month, in a year meron syang P60,000 savings. In 10-20 years meron syang P600,000-P1,200,000 savings. Savings pa lang yan, what if na-invest at 8-12% interest?
Now, what if a 100K earner saves nothing and spends 110K a month (laging nagkaka utang dahil akala nya may pambayad sya dahil malaki ang income). In a year meron syang 120,000 debt, in 10-20 years ang utang nya ay magiging 2.4 Million! Hindi pa natin isinali ang interest sa loans.
Pareho silang hardworking, pero malaki ang difference ng income. Pero sino kaya sa kanila ang may problema sa pera? Of course, si 100K earner who saves nothing and spends more than his income.
In the long run, mas may peace of mind si 25K earner. Pero of course, mas maganda parin if malaki ang ating income, it's the best way to achieve our financial goals fast.
But dapat di tayo magfocus only on increasing our income, kailangan din nating imanage ito at matuto tayong mag save and invest.
That's why Financial Education is essential.
Remember: it's not what you earn that counts, it's what you keep.
Ctto