@Codex_04
edited
Are You A Wise Spender?
Money is one of the most important things we need in our daily life, whether we admit it or not, that's the reality especially if you're living in the city. There's something in my mind that's bothering me that's why I came up with this article and I know others may relate to this, also I based this on my experiences. Are you a spender or a saver? Me? I cannot tell myself where I am on these two but I can say I'm more of a spender, well to completely start up my article this question includes myself, are you a wise spender? I really miss writing articles and really want to be active here in read.cash @Ruffa san always says "Pakasipag ka na Patty kun" but unfortunately I'm very busy with other stuff especially with my work. I don't know how others live their everyday life but for me there's not a single day I didn't spend any amount of money even when I'm home, I'm quite the spender right? Well let's just say I can spend 1000 to 3000 in a day but what do I get with that money? truth to be told that spending was related to figures as well as the food that I'm eating but even with that kind of spending I can say I am wise because I still can save money. How smart are you when it comes to spending? the expenses I told earlier, I just did it once or twice because I know the importance of funds. know a lot of people undergo financial struggles due to not having enough money earning for themself, on the other hand, others get enough money but the problem is not spending wisely, just like I did before, Is it only the time I did? I don't think so I will discuss how I overcame it and was able to be a wise spender.
Before when I was a student I'm able to save a lot because I didn't spend a lot but ever since I got a job that's the time I became a spender and I was like a one day millionaire, buy here, buy there, place order here and more. I'm not aware how much I'm totally spending, if I have the money in my pocket in a few minutes it instantly disappears and I end up spending so much on practically nothing in a short period of time. I just noticed it when something came up and got a problem financially. That's the time I woke up in reality and asked myself what I did? It feels like I am working for nothing, earning now and spending it later. I control myself in everything that I will buy and take notes on what's priority and what's not. I still spent but I can call myself that I become wise. Some people cannot control themselves in spending especially when you have a job. When receiving their salary on the 15th or the month end, some people don't even plan their expenses, they just spend and spend and spend until there is no more left and that's just like me before but now I learned. Once you start spending on one thing to another it can be difficult to stop, so one important thing to remember is to have control on spending.
I can say I can earn enough in my work but it doesn't mean the money that I'm earning will last long of course there's a lot of expenses, billing, and debt waiting for you to notice so when you spent on something make sure always be wise and don't consume your blessings too much, same as the saying in Filipino language: "Wag ka ubos biyaya bukas nakatunganga". Now the only thing I used my money to spend was of course on our daily needs and second was one of my hobbies that I cannot let go, it's collecting figures. It's the time I spend almost 3,000 pesos in one day but still even with that I can control my spending and even save when I learned how to be wise. I know my whole article was definitely based on my experience but there's still a fact that others experience the same as me before, I still lack other facts and information but hopefully you like my article. Feel free to comment below, Thank you for your time reading!
21 comments
I used to be a spender especially when I was single. I now practicing minimalism and I've never been happier. Less is more.
Pag single talaga magastos po before haha, I didn't bother what I spent before but now everytime I spent something I will check first if I have extra funds. Agree po good practice ang minimilasm and habang tumatanda dapat nagmamature. Thank you din po for sponsorship ❤
naku magpraktis ka na, Patrick hehe. tipid tipid :D
I am a money spender when I was in college but now, I learned to think first before buying anything. I set aside my wants for my needs, especially because of our current situation today.
Yes during this time kailangan talaga magtipid at lalo na di ka bumabata daming expenses, daming bills and syempre no other excuses talagang priority mo and needs always tsaka ka na mag wants pag may sobra lalo na this pandemic
Kaya nga... Maging praktikal na muna sa ngayon na hindi pa gaano okay yung sitwasyon, tsaka na mag wants pag nakuha or nabili na ang needs..😁
When we start earning, and know that we can keep making money as long as we have that job, the tendency to spend is so strong... so we think of "treating" ourselves so often that we forget that money could run out. In order to help with saving, it really is best to separate that amount you want to save (however much it is) the moment you get your pay and keep it, or deposit it in the bank so it's out of sight. If we have the mindset that we will only save what we have left, chances are, there won't be any amount to save.
That's 100% true given the fact you earn, you know that tomorrow you still have money but we didn't know that we spend so much. I forgot to mention my article how I saved, I already sorted the money for bills, savings, expenses and they were apart for each other. Change that mindset that saved what it's left, sabi nga pag may tinanim may aanihin 😁
Ewan lang talaga Pattu kun ha, buti naman nisipag kana haha. Sana tuloy tuloy na ano haha. Anyways spender din ako pero sa pagkain lang ahahahaha. Wala akong hobby kundi kumain kaya walang pagkaka gastusan. Tinitipid ko sarili ko kahit gustong gusto ko nong t-shirt na yon pero napapa atras ako at the end, and ending puro add to cart. wala ng na place order ahahaha. Ewan, kuripot ako talaga pero oag sa pagkain, ay yan na ibamg usapan na yan. Waldas kung waldas ahahahaha. Pero ikaw, mag ipon ka habang bata kapa. Dika forever malakas, hangganh may source of income, ipon! Saka na muna ang gastos. Pag sobra sobra na talaga kwarta mo. Umbrella's friend lang yan Patty kun 💪😂
Sipag konti sabi ko nga sa post ko sa Noise.cash para akong kabute hahaha, Hirap din magsulat lalo na dami ding work xD Okay lang maging spender sa pagkain wag lang sa ibang bagay na di makabuluhan yan din isang purpose ng pera para makain mo gusto mo hehe, sana all matipid din wahaha, pwede ka naman bumili atleast once di naman masama yun wag lang talaga sosobra, enjoy mo lang sarili mo sa foods waldas talaga kung waldas pero pag kokonti nakikita kong foods sa post mo hehe. Ikaw din mag ipon ka Ruffa san hahaha, I know naman thanks for the remainder din hihi, may sumusobra actually kaso nasobra din gastos wahahaha. Thanks din sa pagbwisita
Ahahahaha, isa kang malaking kabute. Pero regular job mo kasi yan kaya dapat focus talaga haha. How about your figures makabuluhan ba yorn Patty Korn? Ahahaha. Ako bili ng bili ng foods pero ouro junk foods. I need to stop it now. Basta para nalang sa economy. Pero wait ikaw ba nag Sponsor sakin kagabi? Diko kasi nakita parang iba ang picture ee
Hahahaha o diba sulpot ng sulpot lang xD oo mas okay na rin at sapat naman sinasahod ko talagang past time and extra income ko to 😁 Hahahaha oo naman investment pa rin na matatawag kasi habang nagtatagal tumataas value at pwede mabenta 😁 pero minsan magastos din. Oo iwas iwas sa Junk foods pero baka sa bday po padalhan kits pringles as a gift 🤣 Yup that's me ako nag sponsor sayo kagabe totoong pangalan ko nilagay ko hehe tapos link ko dito sa RC
Hahaha, focus sa work. Oag may time di saka kalang mag active haha. Asahan ko yang pringles na iyan 🙄 August 29 pa naman pwd kapa mag handa, wahahahaha.
Yeahhhh, sorry naman eto na sinusubukang maging active Ruffa san. Sure naman sa August 29 lang pala eh xD wahahahaha
Grind lang ng grind aba, mababa bch ngayon kaya it's your chance na. Kaso ri ka nga pala nag hohodl kasi
Yes it is really important to be wise on how we spend our own money. Especially now we are in pandemic. It's really important to have an earnings. I like your article. More blessings to you.😇
100% fact especially in this times, you didn't know you might also get infected but we don't want that, be wise and always make a proper parting on what you earn. Thanks for stopping by! 😁
Yes definitely sir. It's really important to have an extra earnings as what you've said what if we got infected. God bless you sir😇 more power.
Financial education should be taught in school. It's as important as any other subject for this is will surely help us in the long run. We should have been introduced to stock market and other investments early on. Hindi un pa alkansya lang for example. Although okay pa rin naman un kaso nandun lang siya na hindi nag e-earn. Dami ko sinasabi pero spender din ako haha!
Agreed bro dapat tinuturo na hanggat bata palang kasi ang tao may nature yan pag once kumikita feeling rich at makagastos sa mga bagay bagay hehe hinde naman lahat pero minsan kasi nagiging immature ang tao hihi. If stock markets and investment introduce early for sure it's a big knowledge at dami magiging matipid. Hahahaha been there tayo lahat bro 😂 but atleast we know now 😁 Thanks for stopping by.
Sa ibang countries ata gaya ng Korea, tinuturo na sa school ung trading. Oo nga e, habang lumalaki sahod, lumalaki din gastos haha!