10/12/2025
Signs na Mali ang Financial Habits Mo
“Hindi ka kailangan maging maluho para maging broke. Minsan, habits lang talaga ang problema.”
1. Mas inuuna mo ang wants kaysa needs
Di pa sumasahod, naka-cart na.
Pagka-receive ng pera, gala, bili, kain, tapos bahala na si Batman sa bills.
Sign of bad money discipline.
2. Wala kang emergency fund
Isang check-up lang, utang agad.
Isang delay sa sign-on, panic agad.
Isang aberya sa pamilya, drained agad.
If one problem destroys your budget = bad habit.
3. Lagi kang umaasa sa next sahod
“Babawi na lang ako next sweldo.”
Pero next sweldo, ulitan lang ng cycle.
That means walang plan, puro survive mode.
4. Hindi mo alam kung saan napupunta ang pera mo
Sahod: mabilis dumating, mas mabilis mawala.
Pero pag tinanong: “Saan napunta?”
Wala kang malinaw na sagot.
That means zero tracking, zero control.
5. Utang ang nagiging normal sa’yo
Credit card, cash loan, 5/6, payroll deductions…
Kapag utang ang unang solusyon, hindi savings = bad habit yan.
6. Hindi mo kayang mag-ipon kahit maliit
Kapag hindi ka makapag-ipon ng ₱500,
pero kaya mo gumastos ng ₱1500 sa food trip,
ibig sabihin priority ang problema, hindi income.
7. Gusto mo agad “biglaan” yung yaman
Crypto?
Online trading?
Get-rich-quick?
Pinasok mo lahat except long-term discipline.
Shortcuts are often short-lived.
8. Hindi ka nagba-budget
Kung wala kang:
• spending plan
• saving goal
• emergency fund target
…then your money is driving you, not the other way around.
9. Ginagaya mo lifestyle ng iba
“Kasi yung kasama ko may bago…”
“Kasi trending yung travel…”
“Kasi okay naman yung sweldo ko…”
Pero lahat yan may ending:
Financial regrets.
10. Wala kang assets, puro gastos
Madami kang:
• gadgets
• shoes
• luho
• vacations
Pero wala kang:
• investments
• savings
• real estate
• business
That’s a sign of consumption, not growth.
11. You refuse to face your financial reality
Ayaw mong i-check ang bank account.
Ayaw mong harapin ang utang.
Ayaw mong gumawa ng budget.
Avoidance is the worst financial habit.
12. Konting happiness = gastos agad
Stress = food trip
Pagod = shopping
Bad mood = add to cart
Sahod = gala
Emotional spending is the fastest way to stay broke.
Minsan hindi mo kailangan ng mas mataas na income.
Kailangan mo lang ng mas maayos na habits.
Money is a tool — not a cure for poor discipline.
Ayusin ang habits today, para hindi maging regret tomorrow.
©️
