Why aren't we rich?
Maraming tao ang umaakong di sila mayaman dahil wla silang sapat na kinikita. sabay pa sabi.." kung may kaunti pa sana akong kinikita, makakapag-impok at makakapag-invest pa sana ako.." un ang kadalasan nating naririnig.
sandali nga lang ba... atin ngang tukuyin kung hanggat ngayon, nananatili pa rin tayong mga pulubi...
Narito ang mga iilan sa mga rasones kung bakit di nga tayo mayayaman...
1>
You care what your cellphone looks like: A mobile phone is a means of communication to get connnect from one person and the other... but many people don't view it that way. Instead, they consider it a reflection of themselves and spend money every one or two years or so to impress others instead of just using its entire useful life and investing the money saved instead.
2>
You feel entitlement: If you believe you deserve to live a certain lifestyle, have certain things and spend a certain amount before you have earned to live that way, you will have to borrow money. That large chunk of debt will keep you from building wealth.
3>
You lack diversification: There is a reason one of the oldest pieces of financial advice is to not keep all your eggs in a single basket. Having a diversified investment portfolio makes it much less likely that wealth will suddenly disappear.
4>
You started too late: The magic of compound interest works best over long periods of time. If you find you're always saying there will be time to save and invest in a couple more years, you'll wake up one day to find retirement is just around the corner and there is still nothing in your retirement account.
5>
You don't do what you enjoy: While your job doesn't necessarily need to be your dream job, you need to enjoy it. If you choose a job you don't like just for the money, you'll likely spend all that extra cash trying to relieve the stress of doing work you hate.
6>
You don't like to learn: You may have assumed that once you graduated from college, there was no need to study or learn. That attitude might be enough to get you your first job or keep you employed, but it will never make you rich. A willingness to learn to improve your career and finances are essential if you want to eventually become wealthy.
6>
You buy things you don't use: Take a look around your house, in the closets, basement, attic and garage and see if there are a lot of things you haven't used in the past year. If there are, chances are that all those things you purchased were wasted money that could have been used to increase your net worth.
7>
You don't understand value: You buy things for any number of reasons besides the value that the purchase brings to you. This is not limited to those who feel the need to buy the most expensive items, but can also apply to those who always purchase the cheapest goods. Rarely are either the best value, and it's only when you learn to purchase good value that you have money left over to invest for your future.
8>
You fail to take advantage of opportunities: There has probably been more than one occasion where you heard about someone who has made it big and thought to yourself, "I could have thought of that." There are plenty of opportunities if you have the will and determination to keep your eyes open.
Saang banda nga ba tayo tinamaan? aruy... oo nga... kasi kasi kasi...!! e kung? ...kuwan.... ano?... dahil... ay ewan...
bakit nga ba hindi tayo mayaman?
