ADULThings

06/10/2024

Young people,

If season nyo to help your parents, do it with all your heart. I want to encourage you to continue to be faithful in this season.

I know that sometimes you'll look at other people at your age and think ‘Bakit sila, nakakabili ng mga ganun tapos ako pangbayad lang ng bills yung sahod?’ And it makes you wonder if you are missing anything out.

But hear this, not everyone has a privilege to help their family. Not everyone has a parents that they can provide for. Not everyone has an opportunity to work for the cause of family. Yung iba gusto nila pero they are not qualified. Yung iba wala nang magulang.

So look at it as a gift. It is a gift that God enables you to provide for your family. It is a gift that God gave you a parents to take care of. It is a privilege to do things like that.

You are not missing out just because wala kang pambili ng branded na damit o wala kang pangpunta sa concerts because you are paying for bills. You are right where God wants you to be and be faithful to that. He sees it all and He is glorified in what you do.

It is okay to reward yourself sometimes and si Lord na bahala dun, don't worry! You will reap what you sow.

Lagi mong iisipin na you are called to be a channel of blessings to your household. ☺️

08/09/2024

9.9 is waving, here we go again. 😂

But guys as long as you set aside a portion of your income for your wants, it's okay. Just stick to your budget. We should maximize the capacity of that fund in seasons like this. Be happy with your hard-earned money but of course within limits. ✅

Enjoy 9.9 Sale tomorrow! 😃

07/09/2024

Alam mo, kung meron mang isang bagay na sana nalaman ko noong nagsisimula pa lang ako sa adulthood, 'yun ay ang 𝐭𝐚𝐦𝐚𝐧𝐠 𝐩𝐚𝐠𝐡𝐚𝐰𝐚𝐤 𝐧𝐠 𝐩𝐞𝐫𝐚. Ngayon nasa 30’s ka na, maraming bagay ang marerealize mo, pero heto ang ilang mga bagay na sana nalaman natin mas maaga.

Una, 𝐢𝐦𝐩𝐨𝐫𝐭𝐚𝐧𝐭𝐞 𝐚𝐧𝐠 𝐞𝐦𝐞𝐫𝐠𝐞𝐧𝐜𝐲 𝐟𝐮𝐧𝐝. Maraming beses nating naririnig 'to, pero bihira natin seryosohin. Sabi nga nila, "kapag may itinanim, may aanihin." Hindi natin alam kung kailan darating ang mga hindi inaasahang gastos, gaya ng biglaang pagkakasakit o pagkawala ng trabaho. Kaya importante na may naitatabi ka—ideal na may 3-6 na buwan ng gastusin mo, naka-reserve lang 'to sa banko, para kapag dumating ang sakuna, hindi ka malulunod sa utang.

Pangalawa, 𝐮𝐭𝐚𝐧𝐠 𝐚𝐲 𝐡𝐢𝐧𝐝𝐢 𝐦𝐚𝐬𝐚𝐦𝐚, 𝐩𝐞𝐫𝐨 𝐝𝐚𝐩𝐚𝐭 𝐤𝐨𝐧𝐭𝐫𝐨𝐥𝐚𝐝𝐨. Minsan, nagiging takbuhan natin ang credit card para sa mga bagay na hindi natin kayang bayaran ng cash. Akala natin convenient, pero kapag hindi mo ito binabayaran nang buo, lumalaki nang lumalaki ang interest. Kung may utang ka, unahin mong bayaran 'to bago pa lumobo. At huwag na huwag kang mangutang para lang bumili ng mga luho—dapat may purpose na may balik sa'yo, gaya ng pag-invest sa sarili o negosyo.

Pangatlo, 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭𝐬 𝐝𝐚𝐩𝐚𝐭 𝐦𝐚𝐚𝐠𝐚 𝐦𝐨𝐧𝐠 𝐬𝐢𝐧𝐢𝐦𝐮𝐥𝐚𝐧. Kung may pagkakataon ako noon, sinimulan ko na sana ang pag-invest sa stock market o mutual funds kahit maliit na halaga lang. 'Yung tinatawag na "compounding interest"—sa simula maliit lang ang tubo, pero pag dumaan ang panahon, lalaki nang lalaki ang kita. So habang bata ka pa at may panahon ka pa, maglaan ng kahit maliit na halaga para sa investments. Mas maaga, mas maganda.

Isa pang bagay, 𝐡𝐮𝐰𝐚𝐠 𝐤𝐚𝐥𝐢𝐦𝐮𝐭𝐚𝐧 𝐦𝐚𝐠𝐩𝐥𝐚𝐧𝐨 𝐩𝐚𝐫𝐚 𝐬𝐚 𝐩𝐚𝐠𝐫𝐞𝐫𝐞𝐭𝐢𝐫𝐨. Madalas, iniisip natin na bata pa tayo, kaya hindi natin ito pinaprioritize. Pero isipin mo, habang maaga kang nag-iipon para sa retirement mo, mas less ang stress mo pagdating ng panahon. Pwede kang mag-set up ng mga retirement funds gaya ng PERA (Personal Equity and Retirement Account) o mag-invest sa mga long-term plans. Future mo 'yan, hindi pa huli para simulan.

Lastly, 𝐥𝐢𝐯𝐞 𝐰𝐢𝐭𝐡𝐢𝐧 𝐲𝐨𝐮𝐫 𝐦𝐞𝐚𝐧𝐬. Madalas, nadadala tayo sa lifestyle ng iba—bibili ng bagong gadgets, kotse, o damit, kasi gusto nating makisabay. Pero ang totoo, hindi naman natin kailangan lahat ng 'yan. Ang tunay na kayamanan ay hindi lang nasusukat sa mga bagay na mayroon ka, kundi sa peace of mind mo na alam mong kontrolado mo ang pera mo.

So, kung may isang payo na gusto kong bitawan sa mga nasa 30s o kahit sa mas bata, ito 'yun: 𝐩𝐚𝐠-𝐚𝐫𝐚𝐥𝐚𝐧 𝐚𝐧𝐠 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐥𝐢𝐭𝐞𝐫𝐚𝐜𝐲. Hindi mo kailangan maging eksperto agad, pero unti-unti, magsimula kang maging mas matalino sa pera mo. Kasi ang pera, kapag hindi mo pinangalagaan, mawawala 'yan nang mabilis. Pero kapag inalagaan mo, dadami at magagamit mo para sa mas magandang kinabukasan.

Ayos ba? Huwag mo kalimutang simulan na ngayon.

08/07/2024

Amen po 🙏🏻

08/07/2024

Hayyys. Late ka nanm naman, Mam Charo. Magsasabe ka kung kelan ubos na. 🙈🙈🙈

21/06/2024

Pagod na ba ang lahat? This is the sign. Chariz 😂🤣

Happy Friday!

mambubudol lang

20/06/2024

mambubudol lang

17/06/2024

Grabe ka na BINI_ph, tinalo mo na si Mamang Taylor Swift! Congratulations! 🎉🎉🎉

Another achievement to us Filipinos! 🎉🎉🎉

11/06/2024

Embrace your fears and let them be the catalyst for growth, as the path to greatness often begins where your comfort zone ends. ✨

09/06/2024

When you worry abour your finances and resources, remember the "math" of Jesus. 🙏🏻

Happy Sunday! ☀

28/05/2024

26/05/2024

26/05/2024

Me to my gastador self. 😂🤣

26/05/2024

🙏🏻🙏🏻🙏🏻