Gusto Ko Magtipid Pero Di Ko Magawa – What You Must Do Before You Start Investing

Gusto ko mag-invest. Paano ba mag-invest?

Gaya ng marami, ‘yan din ba ang tanong mo?

Bago natin sagutin yan, meron muna ako itatanong sa iyo.

Jun 21 - tanong

Kung ang sagot mo ay either A or B, then may kailangan ka muna baguhin o i-improve sa sarili mo bago ka matuto mag-invest.

Ano yun?

Jun 21 - photo 1

You need to have a savings habit first before you start investing.

Bakit?

Dahil kung sasabak ka sa investing at wala kang savings habit,

wala pang 3 months, hihinto ka na.

Wala pang 6 months, hihinto ka na.

Wala pang 1 year, hihinto ka na.

Wala pang 5 years, hihinto ka na.

Wala pang 10 years, hihinto ka na.

At pag huminto ka, hihinto na rin ang paglaki ng investments mo.

Jun 21 - photo 2

Investing is a lifestyle.
It is a habit.
It needs discipline.
It is like breathing.
It should be instinctive or second nature.

Ang investing ay hindi lang pagtatabi ng pera para lumago ito.

Investing is more than that.

Nag-i-invest ka rin kung tumataas ang kaalaman mo.
Ang tawag din d’yan ay personal development.

Nag-i-invest ka rin kung nagtatabi ka ng pera para paghandaan ang mga uncertainties in life gaya ng critical illness, accident, or untimely death. Alam naman natin na walang immortal na tao. Lahat tayo ay dadaan dito, hopefully not sooner but definitely later. In this case nag-i-invest ka to buy yourself more time.

Nag-i-invest ka rin kung nagtatabi ka ng pera para naman sumaya. Ang tawag d’yan ay recreation and relaxation. Pwede ring work/life balance.

Nag-i-invest ka rin kung nabibigay ka ng tithe. Ito naman ay investment to your eternity.

Jun 21 - photo 3

Noong 2009, I learned this system from T.Harv Eker. He introduced it during the 3-day conference called Millionaire Mind Intensive in Singapore.

Basically what he said was before you spend, pay yourself first.

Jun 21 - pay yourself first

That is, before you spend on anything or anyone else, spend on yourself first.

How?

By setting aside a portion of your income for savings first, then spend what’s left.

Simple lang siya.

Jun 21 - einstein

Do you consider the following important to you?

  • Charity or giving back
  • Financial freedom
  • Personal Development / Education
  • Healthcare
  • Safety Net for emergencies
  • Play

Do you think that when you fund these areas of your life you will live a fuller, more meaningful life?

Yes.

If yes, then tama lang ba na kada sweldo ay magtatabi ka ng fund para sa mga areas na iyan?

Yes.

Consider this suggestion. What if every payday, you will set aside a percentage of your income to these areas?

  • Charity or giving back – 10%
  • Financial freedom – 10%
  • Personal Development / Education – 10%
  • Healthcare / Safety Net / Emergencies – 10%
  • Long-term Savings for Spending (big expenses) – 10%
  • Play – 10%

Wow 60%! Ang laki naman!

“Ibig sabihin kung P100,000 ang take home ko e di 10,000 ang pang charity ko?”

Oo. Kung Tither ka, madali ito 🙂

Huwag mong tingnan ang laki. Tingnan mo sa percentage.

10 percent is 10 percent.

10% of P100,000 and 10% of P10,000 IS 10%.

Kung nagtatabi ka ng 10% e di may 90% ka pang naiwan.

Di ba?

But do you think you are worth just 10%?

No. You are going to pay yourself even more than 10%.

Kung ayaw mo mabigla, ito na muna ang primer mo:

  • Charity or giving back – 10%
  • Financial freedom – 10%
  • Personal Development / Education – P250 per payday or P500 a month
  • Healthcare / Safety Net / Emergencies – 5%
  • Long-term Savings for Spending (big expenses) – 5%
  • Play – 5%

Example, kung ang take home mo per payday ay P10,000 then ganito ang itsura ng savings mo

  • Charity or giving back – P1,000
  • Financial freedom – P1,000
  • Personal Development / Education – P250
  • Healthcare / Safety Net / Emergencies – P500
  • Long-term Savings for Spending (big expenses) – P500
  • Play – P500

P3,750 ang total ng naitabi mo, which is 37.50% of your take home salary.

Kung dalawang beses ka sumweldo sa isang buwan e di P7,500 ang savings mo in a month.

Saan mo naman ilalagay ang kaperahan mo?

1) Maghanda ka ng sobre, yung malaki. Yung kasya ang mga peso bills. Mga 6.
2) Maghanda ka ng index cards. 1 per sobre
3) Markahan ang sobre
4) Kada lagay ng pera sa sobre, ilagay ang date at magkano ang naitabi
5) Ilagay lahat ng mga sobre sa loob ng isang plastic. Para anti-moist at anti-peste (langgam, daga, anay)

Pwede bang sa ATM savings account ko lang ilalagay?

No.

Dapat physical money. Yung nahahawakan mo. Dapat din hiwa-hiwalay sila. Naka-allocate per purpose.

Kasi kung sa ATM lang yan, hindi mo nakikita yung division or allocation ng pera mo. Mas madaling gumastos pag ganun. Gusto mo nga magtipid, di ba?

So unang challenge mo is gawin mo ito for 3 months.

Kung twice ka sumweldo sa isang buwan, e di 6 times mo ito magagawa in 3 months.

Pero hindi ka hihinto sa ika-3rd month mo.

Itutuloy mo siya hanggang sa ika-6th month mo.

Kung umabot ka ng 6 months, 12 times ka ng nagtatabi nun.

Ang sabi nila na it takes 21 days or 21 times before a habit sticks.

Para maging 21 times mo ito magagawa, dapat umabot ka ng 10.5 months.

Pag ganyan, gawin mo na siya for a year.

I started doing this method in September 2009 after attending the Millionaire Mind Intensive in Singapore.

Every payday, nag-wiwithdraw ako ng 60% of my income and place 10% in each envelop.

In November 2010, I was able to invest in the stock market with an initial investment of P24,000 when I bought 1,600 shares of Nickel Asia (NIKL) for P15 pesos a share during its initial public offering (IPO).

It takes less than 24k to start investing in the stock market but the point is, saan ako nakakuha ng pera pang-start? Duon sa sobreng minarkahan ko ng “financial freedom account”.

In 3.5 years I was able to grow my P24,000 to about P300,000.

Jun 21 - photo 4
Click photo to see other people’s testimonials.

Kasi hindi lang naman ako huminto sa 24,000. Every month, nagtatabi ako ng pera pambili ng shares of stocks.

Every month. Until today.

Dahil nasanay na ako na kada sweldo tinatabi ko muna ang pera ko for savings, automatic na siya.

Tapos yung natitira, yun ang living expenses ko.

Kung hindi ka Saver, once ka lang mag-i-invest. Pagkahulog mo ng initial investment, yun na yun. Tapos aantayin mong lumaki ang pera mo.

It will not work.

You need to invest regularly every month to make your money grow.

That is why you need to have a saving habit.

Kapag nakuha mo na ang habit, pwede mo na rin taasan paunti-unti ang naitatabi mo. Hindi na sya mahirap gawin. Sanay ka na e.

Kaya simulan mo na.

Jun 21 - james allen

  • Charity or giving back – 10%
  • Financial freedom – 10%
  • Personal Development / Education – 10%
  • Healthcare / Safety Net / Emergencies – 10%
  • Long-term Savings for Spending (big expenses) – 10%
  • Play – 10%

One year.

Pag nagawa mo yan ng one year, I am confident na tuloy tuloy na yan.

Para ma-inspire ka naman, did you know that with just P5,000 you can start investing in the stock market?

Yes.

Pero be a Saver first before you invest.

Because investing is a habit.

Jun 21 - procrastination

Aral Pa More? Here are other related articles:

 

P.S. 1. I’d like to invite you to do the 5K Stock Market Investment Challenge.

P.S. 2. If you want to know more about the Truly Rich Club, then go here.

P.S. 3. We have a once-a-month orientation called Truly Rich Club Quickstart for those who want to have an introduction to stock market investing. It happens every 1st Sunday of the month. To know more, go here.

Photo credits:

https://prime.500px.com/photos/64688981/leo-reloaded-by-fulvio-fusani

https://prime.500px.com/photos/37648818/awakening-by-natasha-pnini

To be updated of the latest blog posts, please like us on Facebook and put a check on “Get Notifications”. Click on the picture below.

Check to be notified

2 thoughts on “Gusto Ko Magtipid Pero Di Ko Magawa – What You Must Do Before You Start Investing

Did you find this article or tutorial helpful? Let us know below :)

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s