By Vic and Avelynn Garcia
We have already discussed two budgeting principles in the previous articles. Below we proceed to the third, let’s have a review: The first principle in budgeting is Piso ‘Yan and the second isKurot principle.
Now, let’s go the third: the 70-20-10 Principle.
Ito ang pangatlong prinsipyo. Apply the 70-20-10 Principle. If you want to be an Unleasher, starting today, live within 70% of your income.
If you are earning P20,000, magkano ang 70% ng P20,000? Kapag hindi mo alam ang sagot, hindi ka talaga yayaman. Kailangan marunong kang mag-addition, subtraction, multiplication, at division ha. Napansin mo ba ang mga Chinese? Ang gagaling nila sa Math! So starting today, mag-praktis ng Math!
Ang 70% ng P20,000 ay P14,000. So starting today, live within P14,000. Sabi ng isang participant namin, “Sir, malabo ‘yan. May malaking problema, Sir! Nang mag-compute ako, 100% ng income ko ay ginamit ko at kulang pa! Eh, paano ako mabubuhay sa 70%?”
Huwag kang mag-alala. Sa aming librong Kasusuweldo Pa Lang, Ubos Na, tuturuan ka naming magbawas ang iyong expenses by 30%. Ibig sabihin, kapag naka-save ka ng 30%, puwede nang mabuhay sa 70%, tama?
Mayroon naman kaming dating participant na ang sabi, “Sir, kapag nagbawas po kami ng expenses by 30%, malamang mabawasan din ang budget namin sa pagkain.” Oo nga, mababawasan nga iyon! Sabi naman niya, “Eh, malaking problema po yun. Sir, baka mangayayat naman kami ‘pag ginawa namin ‘yun.” Alam mo, tiningnan ko sila isa-isa at sinabi ko, “Alam ninyo, marami sa inyo ang kailangang mangayayat!”
Ang kagandahan sa librong ito ay makakatipid ka na, mangangayayat ka pa! Hindi mo na kinakailangan pang mag-gym para mangayayat. Sa gym, may bayad pa. Dito, makakatipid ka na, mangangayayat ka pa.
The 70% of your income should go to your Revolving Fund. What is a Revolving Fund? Ito ‘yung panggastos mo buwan-buwan.
Your 20% should go to your Automatic Savings. Simula sa araw na ito, kung gusto mong yumaman, at least 20% of your income should go to your savings. Paano gagawin ito? Pagdating ng suweldo mo, i-withdraw mo sa ATM ang 30%. Iwanan mo ang 70% at ito ang panggastos mo buwan-buwan. ‘Yung 20%, ihulog mo sa separate savings account.. Huwag pagsamahin ang panggastos buwan-buwan at ang savings.
Para saan ang 10%? Dito pumapasok ang kanya-kanyang paniniwala. Ang paniniwala namin, we give our 10% (tithe) or more to God. That’s what we believe, pero kung hindi ka naniniwala, hindi ka namin pipilitin. Dahil ang paniniwala namin sa buhay, walang pilitan!
In one of our seminars, one participant asked me, “Why are you giving 10% of your earnings to God?” This is my answer. First, because we are commanded by God to do it. We give our 10% to God dahil mahal namin at gusto naming sundin ang Diyos.
“Bring the whole tithe into the storehouse that there may be food in my house. ‘Test me in this,’ says the LORD Almighty, ‘and see if I will not throw open the floodgates of heaven and pour out so much blessing that there will not be room enough to store it.’” (Malachi 3:10)
Second, we invest our money wisely. Ipakikita namin sa iyo kung ano ang mangyayari kapag nag-invest ka. Iyong 20% mo, kapag inilagay mo sa bangko, magkano ang interest o ROI ng pera mo? 1%, 2%, malaki o maliit? Maliit! Kami, kapag inilagay namin ang pera namin sa Diyos, magkano ang ROI? Ang pangako sa amin ng Diyos, one hundred fold! What is one hundred fold? That is more than 100%! Kung matalino ka, saan ka mag-i-invest?
Nakakita ka na ba ng bangkong nagsara? Yes! Nakakita ka na ba ng Diyos na nagsara? Wala! Ibig sabihin, our investment is secured forever with God! So if you want to be financially successful, set aside 20% to savings. But if you want to be very, very, very rich, set aside 10% or more to God! Pero… walang pilitan! Remember, God loves a cheerful giver.
“Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.” (2 Corinthians 9:7)
(Excerpted from Vic and Avelynn Garcia’s book entitled Kontento Ka Na Ba Sa KaPERAhan Mo?available in National Bookstore, Powerbooks, Fullybooked, OMF and other leading bookstores nationwide. Also available in Unleash International Bookstore. For details, please contact 0922-UNLEASH (8653274) or 664-0892, 632-0148 local 8002-8003.)
Vic Garcia is currently the President and CEO of Unleash International Corporation, a high-tech, high-touch, high-impact training company whose main mission is to unleash the highest potential in people towards success, happiness, and significance through licensed and originally authored, world-class, high-impact training programs.
Vic has been in the business for more than 20 years and has gained the trust and confidence of countless organizations. He is also the author of the Unleash Workbook and Unleash Learning Systems. His area of competence varies from work and life improvement, financial management, leadership, system, productivity, teambuilding, and other specialized seminars that will unleash the highest potential in people. He served as a consultant and a management coach to a number of CEOs and leaders of different companies. He is often invited to different television and radio programs to share his expertise in unleashing the highest potential in people.
Learn and apply practical ways of effective financial management through easy and doable techniques when you follow this series weekly. Follow Vic on Twitter, @UnleashMoney. Also visit www.unleashinternational.com and Unleash International on Faceboook, www.facebook.com/unleashinternational.