In previous articles, I discussed three reasons people have money problems. Today let me proceed by sharing with you five reasons why we need to manage our finances.
Because we need money to live. Kailangan natin ng pera para mabuhay! We need money for our food, shelter, clothing, and a lot more. In the world we live in today, we need money in almost all our actions and transactions.
Mahal ang pagkain, mahal ang damit, mahal ang pabahay. Kung nagre-renta ka, mahal! Kung may bahay kang sarili, mahal din ang maintenance at taxes nito!
Kung bibili ka ng condominium unit sa Makati o Ortigas area, alam mo ba kung gaano kamahal? Yung 30 to 40 square meters, 2 to 3 milyong piso na. Wala pang laman yun! Wala pa rin ang ilaw, tubig, garahe, at kung anu-ano pa. Ang garahe sa Ortigas at Makati, mahina ang kalahating milyong piso. Garahe pa lang ‘yun! Hindi ka na makakabili ng kotse kasi napunta na sa garahe mo!
Kung bibili ka naman ng bahay sa Laguna o Cavite, medyo mura nga, pero napakalayo naman, lalo na kung sa Metro Manila ka nagta-trabaho. Ubos ang oras mo sa biyahe, pati ang pera mo sa pamasahe o pang-gasolina, dagdag pa ang toll fee!
I’m not saying that money is all that we need in order to live, but it is very essential. Therefore, if we will not manage our money well, problems may escalate and will greatly affect the way we live.
What’s my point? Importante ang pera para mabuhay ka ng maayos, kaya kailangan nating aralin mabuti kung paano ang wastong paghawak ng ating kaperahan.
Why live in the premise of “isang kahig, isang tuka” when we can live an abundant life?
Because we need money to grow. Kaillangan natin ng pera para lumago.
Kung gusto nating lumago sa buhay, kailangan natin ang pera. Why did we study? Why are we sending our children to school? It is because we want them to grow! We need money to do that! Tuition fee, transportation, miscellaneous, and other materials needed for education.
We need to manage our money to give them a good future! After studying, we may even want to pursue higher education. You need money to do that! How about purchasing books to increase your knowledge? How about equipment for our professional growth? We need money for that!
We may even dream to have our own business. We definitely need to know how to manage our money before we start our own business! How much money do we need to start a business? How much money do we need to get a franchise? How about expanding our existing business?
Because we need money to help others. Having compassion for the needy seems to be a universal truth. Whenever we watch television programs featuring the desperate need for an operation of a child, a plea for a new wheelchair, donations for flood victims, and other calamities, we feel a certain “kurot” in our hearts.
We sympathize with their needs and hardships and we want to help them. We want to give cash donations. But when we look at our wallets, we say to ourselves, “I hope I have money to give.” As much as our hearts have been moved, we are held back to do so because we do not have the resources.
Do you know why a lot of people are not financially blessed? It’s because they do not give!
Isang matinding dahilan kung bakit tayo nagta-trabaho ay hindi lang para matulungan ang pamilya natin. To some, tinutulungan niyo pa ang nanay niyo, tatay niyo, mga kapatid niyo, pinsan niyo, pati kapitbahay niyo.
At hindi lang yan! Marami pa tayong ibang tinutulugan. Ano ang pakiramdam mo kapag nanonood ka ng mga TV program that features our needy kababayan? Kapag nakakita ka ng ating kababayan na nasalanta ng bagyo, batang may hydrocephalus na kailangang operahan, ‘yung mga taong nasa evacuation centers, o may cancer, at kumakatok sa bawat puso ng mga nanonood? Ano ang nararamdaman mo? Naaawa! Pagkatapos mong maawa, maaawa ulit! At pagkatapos mong maawa, awang-awa ka na! At ito ang sasabihin mo, “Sana may pera ako.” Ang problema, wala. “Ilipat na nga ang channel na yan!” Marami sa atin ang gustong tumulong. Kaya lang, parati nating sinasabi, “Wala akong pera.”
Ang iba naman, may pera. So, assuming, may pera ka at gusto mong tumulong. Dumating ang araw ng suweldo or you just received your bonus! Tapos, nanood ka ulit ng TV. So, hindi mo puwedeng sabihin na wala kang pera, ang sasabihin mo, “Sana mas marami akong pera.” Hay naku! Wala pa rin! Sa totoo lang, kung magbabawas ka lang ng kaunting gastos, bawasan mo ang softdrinks, kape, merienda, cellphone load, sigurado ako may matitipid ka para makatulong sa iba!
Do you know why a lot of people are not financially blessed? It’s because they do not give!
Alam mo ba na maraming bata ang gustong mag-aral pero hindi makapag-aral dahil walang pang-paaral? So, anong nangyayari sa kanila? Nagiging palaboy sa kalye. Kapag palaboy sa kalye, hindi alam kung ano’ng gagawin sa buhay… hanggang matutong magnakaw. Ngayon alam mo na kung bakit maraming magnanakaw sa Pilipinas—kasi maraming taong puwede namang tumulong sa mga bata pero hindi tumutulong. If we will manage our money well, we will be able to help others. Alam mo ba na maraming future magnanakaw at kidnappers ang maaalis natin sa kalye.
Nandyan ka pa ba? Ano ang punto ko dito, kaibigan?
Ang problema ng Pilipinas ay hindi ang president, dahil hindi kaya ni Presidente ito mag-isa. Kailangan tayong magtulung-tulong. Alam mo ba na sa halagang 20 pesos lang isang araw, puwede ka nang magpaaral ng isang bata? Thus, we need to manage our money so we will be able to help others!
Bago ka matulog ngayong gabi, mag-isip-isip ka… Remember, “It is more blessed to give than to receive.” (Acts 20:35)
(Excerpted from Vic Garcia’s upcoming book Unleash the Highest Potential of Your Money)
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, team building, 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.
Read more of Vic and Avelynn Garcia’s articles HERE!
NOTE FROM THE AUTHORS: This financial management series which is taken from my book and one of the most sought-after training programs of Unleash International titled “Unleash the Highest Potential of Your Money,” is not just intended for your reading pleasure. It aims to unleash the highest potential of your finances. I hope that this series of articles will eventually transform, improve, and elevate your existing financial condition.
It is vital for you to follow the series diligently if you want this to have a significant impact on your financial life. In the succeeding articles, I will be sharing with you practical and doable steps in unleashing the highest potential of your money. But first I need to lay the foundation in order for you to better understand and realize the reason behind the techniques and principles.
My hope is that in the course of this series you will be able to experience a whole new world in your financial condition! Like many of my seminar participants who are now experiencing a life of financial success, happiness, and significance!
