Overthink, sleep, repeat. Relate ba? But the good news is you already took the first step para ma-overcome ang money challenges mo. You’re here now. That matters.
Next, answer these questions honestly:
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Kailan ka huling naging confident sa pera mo?
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Kailan ka huling naging kabado sa pera mo?
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Compare the two. Ano ang mga factor na nagdulot ng confidence at ng kaba? Ano ang pagkakaiba nila?
Ano o sino ang naisip mo: your family, the feeling of security, your ambitions, or something else? Kung ano man ang sagot mo sa mga tanong na ito, ‘yan ang motivator mo—ang rason para magpatuloy. Remember them when you’re tempted to give up.
Five mindful money habits that build confidence
- Face the facts. Make a list of everything you earn and spend. Magkano ang savings, budget, mga utang at installment mo, mga subscription, at iba pa. Isa-isahin din ang laman ng credit card statement mo—don’t skip this!
Ang goal natin ay makita kung ano ang realistic sa budget mo. If you want to reflect further, try our checklist to know your financial health. Most importantly, do this regularly para ma-build ang habit.
- Pause before purchase. Ask yourself: “why am I buying this?” Kailangan mo ba talaga ito, o may feeling ka na hinahabol o pinupunan, gaya ng stress relief, reward, o convenience? Kung oo, mayroon bang ibang low-cost ways para mapunan ang emotion o need na ito?
Remember: this isn’t about depriving yourself. It’s about understanding your priorities and making choices that match your capacity at the moment.
- Define your diskarte. We all have our own skills and strategies that we can utilize to earn more aside from our main job. Pwedeng subukan ang mga simpleng paraan gaya ng pagbebenta ng packed meals at “pre-loved” items, o subukang gumawa ng “user-generated content,” at iba pa. Your diskarte is the limit!
Take pride in your skills and street smarts, and keep exploring opportunities to earn hanggang mahanap mo ang para sa ’yo.
- Invest in yourself, because you are your biggest asset. Magbasa o manood pa ng mga video tungkol sa budgeting, debt repayment, investments, at iba pang money diskarte online. Siguraduhin lamang na trusted at legit ang mga source nito. Lastly, be consistent with your mindful money habits so you can build your confidence and work your way up to exploring insurance, investments, and more.
- Stay alert for scams. It’s a constant reminder for a reason. Mas creative na ang mga fraud attempt ngayon, from fake links, to offers that are too good to be true. Laging maging alert sa mga suspicious activity. You should always protect what you’re working hard to build.
Change isn’t always easy, at minsan, mas madali lang sabihin ang “bahala na.” This is why you need to remember your why. Sila ang dahilan kung bakit ka magpapatuloy. Keep going! Your future self will thank you for it.
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Disclaimer: This article is for general information purposes and does not constitute formal financial advice. Always do further research before making financial decisions and seek professional advice from a certified personal finance counselor. For more information, read the Earnest disclaimer here.
