08/01/2026
Money advice than no one will tell you:
Ito ang mga senyales na sinasabotahe mo ang sarili mong finances๐๐ธ
Hindi mo kailangang maging magastos para maubusan ng pera.
Minsan, yung araw-araw na ginagawa mo langโฆ
yun na mismo ang problema.
1. Mas inuuna mo ang wants kaysa needs!
Di pa sumasahod, naka-cart na.
Pagka-receive ng pera, gala, bili, kain, tapos bahala na si Batman sa bills.
Sign of bad money discipline.
2. Wala kang emergency fund
Isang check-up lang, utang agad.
Isang aberya sa pamilya, drained agad.
If one problem destroys your budget that is a sign na kailangan mo na maging wais sa pag save!
3. Lagi kang umaasa sa next sahod
โBabawi na lang ako next sweldo.โ
Pero next sweldo, ulitan lang ng cycle.
That means walang plan, puro survive mode.
4. Hindi mo alam kung saan napupunta ang pera mo
Sahod: mabilis dumating, mas mabilis mawala.
Pero pag tinanong: โSaan napunta?โ
Wala kang malinaw na sagot.
That means zero tracking, zero control.
5. Utang ang nagiging normal saโyo
Credit card, cash loan, 5/6, payroll deductionsโฆ
Kapag utang ang unang solusyon, hindi savings = bad habit yan.
6. Hindi mo kayang mag-ipon kahit maliit
Kapag hindi ka makapag-ipon ng โฑ500,
pero kaya mo gumastos ng โฑ1500 sa food trip,
ibig sabihin priority ang problema, hindi income.
7. Gusto mo agad โbiglaanโ yung yaman
Pinasok mo lahat except long-term discipline.
Shortcuts are often short-lived.
8. Hindi ka nagba-budget
Kung wala kang:
โข spending plan
โข saving goal
โข emergency fund target
โฆthen your money is driving you, not the other way around.
9. Ginagaya mo lifestyle ng iba
โKasi yung kasama ko may bagoโฆโ
โKasi trending yung travelโฆโ
โKasi okay naman yung sweldo koโฆโ
Pero lahat yan may ending:
Financial regrets.
10. Wala kang assets, puro gastos
Madami kang:
โข gadgets
โข shoes
โข luho
โข vacations
Pero wala kang:
โข investments
โข savings
โข real estate
โข business
Thatโs a sign of consumption, not growth.
11. You refuse to face your financial reality
Ayaw mong i-check ang bank account.
Ayaw mong harapin ang utang.
Ayaw mong gumawa ng budget.
Avoidance is the worst financial habit.
12. Konting happiness = gastos agad
Stress = food trip
Pagod = shopping
Bad mood = add to cart
Sahod = gala
Emotional spending is the fastest way to stay broke.
Sometimes, hindi sapat ang mataas na sahod/income.
Kailangan mo ng mas maayos na money habits.
Money is a tool ๐ต not a cure for poor discipline.
ctto
Wise Way - Peso by Rodalyn
