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Mommy Arbie's Tip: Paano nga ba makakapag-ipon?

It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.

Robert Kiyosaki



Sa panahon ng krisis, isa sa pinakamatibay na sandatang ipanlalaban niyo ay "ipon". This is quite timely kaya gusto ko talagang i-share yung naging journey ng family ko sa pagse-save. We are not yet expert on saving, but we can say that we already have it in our system – which is very important.

Ilang beses niyo na bang nasabi sa sarili niyo na, this time mag-iipon na talaga ko. Natawa kayo no? Naka-relate ba kayo? Okay lang yan, ganiyan din ako noong dalaga pa 'ko. Ilang beses kong nasimulan, pero hanggang simula lang.

Noon yun.

Once you became mature enough, tulad ko na isa nang ina, you will have self-realization. Darating yung time na you will tell yourself that the cycle should stop and do it as early as now without excuses.

"Ang hirap mag-ipon kung maliit ang sweldo!"

"Bakit ako mag-iipon, malaki naman ang kita ko?"

Ito yung usual excuses ng mga Pilipino as to why they are not able to save a penny. Without them knowing, these excuses are actually the reasons why they should really start saving.

Mahirap ba?

Yun din ang akala ko/namin nung una, pero may mali lang pala sa sistema. And once na ma-determine niyo yun, you will be able to start saving with ease.

So, paano nga ba namin nasimulan ang tamang paraan ng pag-iipon?

  1. AWARENESS

Ito yung pinaka-una sa lahat kung gusto niyong maka-ipon. Tanungin niyo sarili niyo ng mga ganitong bagay:

  • Ano ba ang spending habits niyo?
  • Ano ang mindset niyo when it comes to saving?
  • Anong maitutulong sa inyo ng savings?
  • Anong gusto niyong baguhin?

Once ma-determine niyo ang sagot sa mga tanong na 'yan, you will have the eagerness of doing it, as if your life depends on it (which is indeed true).

On our case, since my husband is an Overseas Worker (OFW), we want to stop the cycle of him leaving the country for us to make a living. For us, that's not life should be. Sayang yung precious time na sana magkakasama kami. With that thought in mind, saving is our priority (since our family's future depends on it).

  1. SET A TEAM GOAL

If you are married, may partner, o basta may lovelife, make sure to discuss this with them. Discuss your goal and purpose of saving, mas maganda kasi ang teamwork. You should reach the same level of understanding when it comes to saving. Kasi kung hindi, masisira lang ang mauumpisahan niyo.

Kapag pareho kayo ng mindset, someone will remind you kung medyo nagkakamali ka na sa pag-gastos. It takes two to tango, hindi ba?

  1. CREATE A BUDGET PLAN

Always! Yes, always. Kasi kung wala kang budget plan, maliligaw kayo. Hindi niyo mapapansin na nag-over na pala yung expenses niyo kasi hindi niyo naibabangga sa budget plan niyo.

We are sharing our budget plan with each other kahit malayo kami sa isa't isa. We even discuss it and creating a game plan.

If you want to know how to create a budget plan, you may read my previous blog post, MOMMY ARBIE’S TIP: PAANO NGA BA MAG-BUDGET?

But before creating a Budget Plan, make sure na itabi niyo na ang Savings. Yes, itabi niyo na agad. Bakit? Check number 4.

  1. 20/80 RULE

Ito ang pinaka-basic rule ng savings. To take 20% out of your monthly salary and keep it as savings. Then, yung 80% yun lang ang pwede mong gastusin.

At bago gumastos, make sure na nagawa niyo nang itabi ang savings niyo. Sabi nga ni Warren Buffett:

Do not save what is left after spending, but spend what is left after saving.

Dito namin nakita yung pagkakamali ko/namin. Before, we always spend before saving. So si savings yung pinag-aadjust namin, which is mali pala. Dapat si expenses ang mag-aadjust at si savings ang priority na nakatabi at untouchable.

So, let's give an example kung magkano ang mase-save niyo sa loob ng isang taon by following the 20/80 rule (grabs a calculator kasi math to).

Let's say you are earning 20,000 a month:

Monthly Salary: 20,000

Savings (20%): 4,000

Expenses (80%): 16,000

Total Savings in a year: 48,000

See that figure? In a year, meron kayong doble ng monthly salary niyo. Pwede niyong gamitin during emergency and in times of crisis. If you will continue the habit of savings, you will have enough money for your child's education or even a capital for a business.

Mas masarap sa pakiramdam yung hindi niyo na iisipin kung san kayo kukuha ng pang-tuition ng anak niyo. Or kung san kayo manghihiram ng puhunan pang-negosyo. Dahil bago pa man dumating ang mga ito, napaghandaan niyo na.

  1. DISCIPLINE

Above all, kailangan ng matinding disiplina. Committed dapat kayo sa pag-iipon niyo dahil hindi naman ito para sa ibang tao kundi para sa family niyo.

It doesn't matter if you weren't able to buy the things you want (kahit afford mo pa ito), ang importante, you're not broke.

Hindi nasusukat sa talino ang pag-iipon kundi sa disiplina ng isang tao.


These are just my tips on how to start saving for your family. Ang pag-iipon ay isang bagay na dapat natutunan natin noong mga bata pa tayo. Sa paglipas kasi ng panahon, nakakalimutan natin ang aral ni Langgam at ni Tipaklong.

If we wish to break the cycle of us waking up early and going to work, or leaving the country to make a living, start it with you. Be brave enough to change your mindset, to break the cycle.

Remember this:

You must gain control over your money or the lack of it will forever control you.

Dave Ramsey

Tipid Tips naman tayo sa susunod!

For comments/topic suggestions, feel free to leave a comment.

 

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