Ep. 540: You Got a Raise... So Why Do You Still Feel Broke?

"The Pot Network Entertainment" Makawakapatit, danong yung akita. Nala lang mo po ba yung pinakakunong income mo. Malit, to malake. As yung premalit, diba. At nung malit pangkinikita, maybe you told yourself, "Napong pagkumikano ang 50.000 naman, nakom magiging o kay na ako." And in reality, kung titig ng maying present you right now, you've reached it, but somehow, happy kanabah. Niba, o kay kanabah. Mibanda reach mo daba-in financial goals. Anas di, your answer is as good as mine. Maybe you're saying, "It's not enough." So, in this episode, ang pag-oosapan punaten, stay on this episode and we'll answer this today. Hi, I'm Chingitan, and you're listening to Ching Posting Podcast, where I aim to equip you to become wonty and debt-free. Teaching you on how to save budget, get out of debt, and invest. Let's get into the episode. Hi there, mga kapati. Welcome back to Ching Positive. And, you know what? Let me tell you the truth, and the truth will set us free. I know you and I work hard, diba. We get promoted, we get raised. And then after that, after six months, no, after the race, after making more, it seems like we're feeling, "Hey, what's wrong with you?" I know you're saying, "I know the big difference. If we don't have the income, the reality is this. It's a painful truth, but we need to face this. The more we earn, the more we spend." Diba, our expenses get bigger. Diba, so ang pag punaten, ja. Nahin din natinapapan sin, it's called lifestyle inflation. And today, we're gonna talk about not only earning, but also, how can we make our subs wealthier at the time of the time? So, I just want to remind you, "Hinbilang yung income ang lumakipu sa atin." So, kaya ditain na kakaipun ang lumakirin yung gastu sin natin. Think about your life ten years ago, diba. Maybe you used to ride the public transportation, diba. Pero ngayon, mejo nakakalua-gluwag ganan ng bubukan ng mga grab, diba. Mejo say my private, kanak. Before, kumakayon kalang sabahay, pero ngayon ko makayon kalang salabas. Yung nga, nakigingan yung nishye, parang. Akin, diko namesin na sabbina, hindi tayo mag-upgrade ng life. Ang sinasabikol ang every time to mata asan sweldo, mga-upgrade ng life, walaang matitera. The problem starts when every increase in income automatically becomes an increase in lifestyle. Because if your expenses grow as fast as your income, walaang magbabago. Kapus ka parin wala-kaparin, ipun, wala-kaparin ng iar. Nala lalako toluin ng making a coach ako isang yung professional. Tanagas hoo brang hapisha, diba. Kasi, from minimum, tops, committed nishyan ng 20,000 pesos amma. Kinong gratulit, o siya? Inay asin. How much of that increase goes to savings? Tapos sabbina wala. Kasi, yung komikital ang siya ng minimum, yung nga, nga kokomit ng pa-jip-jip. Pero ngayon nga ang kas na siya. Ho, nat-ong lidak, bumilidaw sa nambagong phone. So nakikita niyo. After one year, yung savings niya, wala parin siya na ipun masado, zero. Kis income grew, but actually, yung future niya sa ka ipun niya wala. So, I just want to encourage you. Kung gusto mo talaga maka ipun? Yes, while you're listening to this podcast, gusto mo baki bianan. I just want to encourage you to do one thing for me. You give your raise your increase of income with a purpose. Again, dapat me a purpose. And even sa bian, here's a simple rule that has helped a lot of my TYL members yung sa coaching group puna man. Siya na saapdiko, as your income increases, you don't increase your standard of living and spending, but you increase your standard of saving and investing. In other words, don't spend all of it divided. Diba, a certain portion, dapat automatikian for saving, a certain portion, diba, for investing, nage-git-syo, habang tumata asang income mo, tumata as dapat sa saving and investing mo. From 5, 5, 95% savings, 5% investing, 90% on spending, pakawasang income mo gawimu ng 10, 10, 80, ang formula, pakawasang income mo 10, 20, 70, pakawasang income mo 20, 20, 20, 60, pakawasang income mo 20, 30, 50. So what do I mean? Listen to this. So kong kumikita ka ng 20,000 pesos a month, 5, 5, 90. So it is about 90% off 20,000. The lifestyle mo 18,000, 5% savings, that's 20,000, 1,000, 1,000, and investing. Pero pak ikaw ay kumikita ka ng 100,000 pesos from 20 to 100, ang formula mo na 2030, 50, repeat after me, 20, 30, 50. Aning 50% ng 100,000, 50,000. For your lifestyle, imagine mo from 18,000 to 50,000, the lifestyle mo, divanag upgrade ka. Pero this is the second good news. May 20% con sayings of 100,000. Aning 20%, no, that's 20,000. So imagine mo every month may 20,000 con sayings, whether you are an emergency fan, travel fan, kong anung gusto mo. And then 30% of investing, aning 30% of 100,000. That's 30,000. Every month may investible fungal, 30,000 pesos that you can invest. That's what you get. Grab it. So if you are interested in being a hinching, if you enjoy it, you can go to the bathroom. Hey, you know what I'm saying? Celebrate my hard work mo. Take your family out by something meaningful. But, but, but, but, but, you know, you budget mo. Don't create a lifestyle. You now have not a legang cannot afford, but you cannot maintain forever. They back create a lifestyle. Not a legang. Kaya mo yung budget, naka siya nabikap natuudan na siya nabikap sa inyong anina. As your income increases, you don't increase your standard of living and spending, but you increase your standard of saving and investing. So, yana challenge ko for you for this week. If you recently receive a race, bonus, commission or my extra income, you can spend. Decide, what are your portions of saving? What are your portions of investing? What are your portions of spending? Give every peso an assignment. I hope that today's episode remind you of something that's important. A bigger salary is really a blessing from God, but it takes really planning the bad discipline to build a better future. So, if this episode again help you and bless you, do me a favor. Copy paste of this episode that you share with us. How do you feel? How do you feel? How do you feel? Because next episode, we're going to talk about something every family needs, but many people ignore. They're not afraid of it. It destroys their financial freedom. And we're going to talk about a fund that's very important. So, what are your portions of the next episode? So, thank you very much for listening. Against the intentional, stay grateful and stay. Cheap positive. The opinions of podcast creators, hosts and guests are not necessarily reflective of the official stance of the pod network entertainment. It's hosts or other network programs. The content created by the people behind the podcast is personal and not mentored in a religion, ethnicity, group organization, company, or individual.