“Saan napunta ang pera ko?”
Some may have been in a situation where they’ve asked this question. Baka dahil hindi sila familiar sa pag-check at pag-plano ng finances. And this could’ve led to poor financial decisions gaya ng na-pressure sa pagastos.
Pero hindi pa too late. May mga steps that may help one feel more secure and confident sa pag-handle ng pera. Isa rito ang pagiging financially mindful para gumawa ng better financial decisions for oneself and family.
What does it mean to be financially mindful?
Financial mindfulness may mean being aware, intentional, and thoughtful about decisions concerning money.
This could include knowing your income, how much you are spending, and what your financial goals are (check out this article to deep dive into financial health). Kung di ka familiar, try Ask Earnest, a financial mindfulness chatbot that may help you whether you're exploring your options or looking for practical money insights.
When faced with a financial decision, Ask Earnest. While it won't make financial decisions for you, it may help you understand your options so you can decide what fits your situation.
Here are some tips on how to be financially mindful:
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Pause. Before making purchases or financial decisions, take time to review your finances. Pausing prevents you from making impulsive financial decisions. Parang ‘pag tumatawid ka sa kalsada: don’t be hasty.
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Ask and assess. Ask specific questions like: “Can I afford a new phone now or should I save for my emergency fund?”, or “I’m looking at saving my first PHP 100,000 in a year, how much should I set aside given my salary and expenses”.
Mahalaga mo ring itanong, “Ano ba ang kailangan ko now at sa future?” at “May ibang options ba?” especially for major financial decisions. Evaluate the pros and cons of making a purchase or financial decision. Alamin kung may ibang options where your money has more value. Mag-research gamit ang mga trusted resources at lumapit sa certified personal finance counselor.
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Act. Once you’ve made your decision, adjust your budget at mag-set ka ng practical actions para alam mo ang gagawin mo kapag makaharap ka ulit ng ganitong situation.
These small actions of being financially mindful can make a big difference over time. Mararamdaman mong you’re in control of your finances, and less overwhelmed ng uncertainty.
Tandaan na being financially mindful applies to every part of your journey, from having more income sources, expenses, and changing goals.
Ask Earnest to learn more about being financially mindful through topics backed by Metrobank’s financial education resources.
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.
