Ever since we were born, our habits are already being formed by what our parents have in their genes... and by what we are molded into when we are young. Guess what, since the beginning, we are created and trained to spend...
It's like being infected with a virus. Check our early encounter with money... When we go to school and our mother (usually they are the ones that gives us allowances) will give us money as "baon" (allowance) to school. Guess what, after school, do we have money left? A few of us do have some piggy bank to save a portion , but guess what, ...when Christmas or Birthday comes (whichever comes first), the piggy bank is broken and the spending virus strikes back... big time....
When we get to employment, we always say... "mag iipon na ko pag na promote ako!"( I will save once I get promoted)... " Na-promote ka na nga...naka save ka ba?.. e di ba't hindi rin!" ( you've got promoted, but did you save?.. still didn't.. right?)... Why, because the old habit has not been broken. It is endemic, or should I say pandemic... It is already in our genes. It is ingrained on who we are from the beginning. That's why, we need an anti-virus to to fight against it. Breaking a bad habit requires rehabilitation of some sort. As far as the bad habit of spending, the anti-dote is the habit of saving and investing.
Breaking the old habit of spending is by creating new habit of saving and investing. Not that easy to acquire. It is easier said than done. It requires you to define first your compelling reason to save and invest and finding the right instruments that will enable you to obtain the DISCIPLINE...
I know exactly how, and I have broken the bad habit... How about you? Would you like to be coached how?
God bless !
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