In my previous article, I mentioned about conjugal spending. Ano nga ang conjugal spending?
Eto ‘yung ginagawa namin. Ang pera ko at pera ni Misis ay combined. No exceptions! So, kapag may bibilhin kami, conjugal spending. This means na kapag may bibilhin ako, magpapaalam ako kay misis. Kapag may bibilhin si misis, magpapaalam siya sa akin. Maganda ‘yon! Bakit maganda? Kapag ayaw ni Misis, hindi ko pwedeng bilhin. Kapag ayaw ko, hindi n’ya pwedeng bilhin. Ang ganda ng sistema! Kasi karamihan ng gusto ng lalaki ay ayaw ng babae. Karamihan ng gusto ng babae ay ayaw ng lalaki! Eh di maganda, walang nabili! Hindi kailangang magtalo! Nasa usapan ‘yan eh. Kapag sinabi niyang, “No!” We don’t need to argue.
It’s a standard operating procedure just like in any corporation, ‘di ba? May mga desisyong kailangang dalawa ang nag de-decide, with two or three signatures before they come up with the expenses, right? Ganoon din sa bahay. So, that’s what we do. Because of that, marami akong napipigilang gastos na kung minsan, kung ako lang ang nag-isip, hindi good buy. How many times na bumili kayo ng isang bagay na after a while, “Ay, mali pala!” Kasi ikaw lang ang nag-iisip eh. Iba pa rin yung at least may dalawang nag-iisip bago may bilhin. Promise, you will save a lot of money!
Second, kapag magkasama ang pera ninyo at nagpapaalam kayo bago kumuha ng pera, maiiwasan ang pang-a-others! Malabong mang-others si Mister, bakit? Wala s’yang budget mang-others! Pwede ba s’yang lumapit kay Misis at sabihin, “Honey, pwede bang humingi ng ten thousand?” – “Bakit?” – “Mambababae lang ako!” Hindi pwede, it won’t happen! Why? Mahirap mambabae ng walang budget! Ang tawag d’yan, check and balance! Ito ang tandaan ninyo: tao tayo, makasalanan tayo eh! We are prone to commit mistakes. Unless may magbabantay. Tanungin ko kayo, “Bakit may mga security guards? Bakit may mga pulis?” Because we are prone to commit mistakes. Kailangan may nagbabantay! Kung minsan, magpasalamat tayo may security guards, may pulis, may traffic aides. Why? Napipigilan tayong gumawa ng…kalokohan! That’s the value ng may dalawang tumitingin sa buhay.
Ang iba naman, iba ang problema. Alam n’yo bang maraming mga lalaki ngayon, sampung taon na silang kasal, sampung taon na rin nilang niloloko ang asawa nila? Kasi, up to now, hindi pa alam ng asawa nila ang totoong kinikita nila. Hindi kami nagbibiro! Marami nang umamin na ganyan! Kung hindi alam ni Misis ang kinikita ni Mister, that’s very dangerous! May kilala ba kayong ganyan?
Hindi namin ito inimbento. Batas na ang nagsabi nito, Conjugal Property. Pangalawa, Diyos din ang nagsabing “the two shall become one.” Now, if you want to violate the law of God and the law of man, nasa inyo ‘yan. Actually, its for your own good and protection. At the end of the day, you’re talking about your family. Its your own decision. Now, if what you’re doing will make your family life better, then continue. If not, stop it.
Do what you want to do with your money. Basta sa amin, we’ve been married for more than 21 years and we practice conjugal property and conjugal spending. Wala akong pwedeng bilhin na hindi alam ng asawa ko.
Here’s another problem kapag kanya-kanya kayong hawak ng pera. Sabi ni misis, “O hayan, mahal ‘yan ha. Dapat ako rin.” So bibili si mister ng mas mahal! Hindi ka naman patatalo, bibili ka ng mas malaki. Palakihan kayo ng palakihan. Isang araw, you could no longer contain it. It will become a full-blown war! Bakit? Kasi walang limit. Walang check and balance!
In my next article, I will add another tip for husband and wife….
(Excerpted from Vic and Avelynn Garcia’s book entitled “Kasusweldo pa lang ubos na?” available in National Bookstore, Powerbooks, Bestsellers, Fullybooked, OMF, PCBS, Praise and other leading bookstores nationwide. Also available in Unleash International Bookstore. For details, please contact 0922-UNLEASH(8653274) or 6640892, 6320148 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 & Avelynn Garcia on Twitter, @AvelynnGarcia. Also visit www.unleashinternational.com and Unleash International on Faceboook, www.facebook.com/unleashinternatio