PAANO MAGING MILYONARYO, SIKRETO NG YUMAYAMAN AGAD-How to get rich

Belinda Salvacion
is a Nurse/ Entrepreneur in Hong Kong

How to become a millionaire. Secrets of becoming rich

Ang isang simpleng estudyante, yumaman. A simple man can become rich. Mukang imposible kung iisipin pero madali lang. Kailangan lang ng disiplina sa sarili, mahaba ang pasensya at higit sa lahat marunong magtipid.

7 PARAAN UPANG MAGING MILYONARYO

1. SAVE - Importante ang magtipid sa buhay kung budgeted o sapat lang naman ang pera mo. Emotions play a big part in our decisions regarding money. Example, nakantyawan ka ng mga ka-officemate mo o kaklase mo na manlibre ng merienda. Sakto lang ang pera mo, pero sa takot na matawag kang kuripot o kaya madamot, nilibre mo sila. Minsan naman sobrang depressed ka, dahil baka na-basted o di kaya sa trabaho gusto mo mag-good time naman. Gusto mo manuod ng sine, bar hoping or out of town kahit wala sa budget. O habang nasa mall ka may nakitang sale na mga damit, at kahit wala sa listahan ng mga bibilhin pinili mo parin na bumili. Napakadaling madala sa nararamdaman mo at laging sinasabi ng mga tao "bahala na ang bukas".
Laging tandaan kapag nakatanggap ng pera huwag dagdagan ang mga expenses mo. Remember , it is not just how much you earn or make, pero kung paano mo i- save sa pamamagitan ng pagtipid (being frugal) .

2. GIVE - Mahalaga pa rin sa tao ang maging mapagbigay sa kapwa kapag nakaluwag-luwag sa buhay. Tumulong sa mga nangangailangan lalong-lalo na pagdating sa pamilya. Kaya mo ba tiising kumain ng masarap sa restoran at nagbabayad ng libo samantala ang pamilya ay nagkakasya lamang sa itlog, sardinas at noodles ang inuulam sa araw-araw? Pero kailangan tumulong ng naayon sa gusto mo, baka mamya tumutulong ka pero masama sa loob.

3. DEBT AND BORROWING - Para umasenso sa buhay, bayaran mo lahat ng utang mo at ipangako mo sa sarili mo na hinding-hindi kana magkakautang ulit. Kahit nate-tempt kana umutang pigilan mo ang sarili mo. Huwag gawing habit ang laging nag-advance salary sa trabaho. Iwasan din ang pag loan sa PAG-IBIG, SSS o kung saan-saan, kahit na mababa ang interest nito.

4. BUSINESS MINDED - Maghanap kung saan pwede mag side line, kahit magkanu lang ang kikitain. Ang mahalaga makatulong sa pamilya. Maraming mga business na hindi kailangan ng malaking puhunan. Maari kang magsimula gamit ang sipag at tiyaga, pag- aralan kung paanu kikita sa internet. Pwede ka magset-up ng mga online shopping sites like clothes, gadget, car at kung anu-anu pa. Mag- inquire sa Direct Selling Association of the Philippines (DSAP) at pumili kung saan gusto maging member like AVON, SARA LEE, EASY PHAMAX, SYMMETRY, TUPPERWARE at ibp. Pero huwag ka masyado magpagod, huwag overtime ng overtime make sure na andyan pa din ang bonding time with family. Kapag may business kana o kahit sideline magbayad pa din ng tamang taxes, magbayad sa supplier on time, tratuhin ang mga empleyado na parang pamilya at higit sa lahat iwasan ang maging madaya sa kapwa. Gumawa ng tama and you'll be blessed. Tandaan din na kapag mag- invest kailangan i- check maigi kung scam ang pinasukan mo.

5. EDUCATION - Mayaman man o mahirap ang isang tao, importante ang karunungan. Dahil ito ang kayamanan na kahit kailan ay hindi manakaw ninuman. Kahit na tapos na sa pag- aaral hindi ibig sabihin na hindi mo na kailangang matuto. Kailangan mo pa din magbasa ng mga iba't-ibang libro na may kinalaman sa negosyo at mag- attend ng mga seminar upang madagdagan ang knowledge at skills mo (maraming mga seminar na libre lamang ).

6. SAVINGS - Ang pag- iipon sa banko ay maaring gawin nino man, mapa- estudyante o nagtratrabaho. Halimbawa pede ka mag- ipon ng 800 pesos kada buwan sa savings account sa bangko o ibang bank investments tulad ng time deposit o bonds. Sabihin natin na nasa 6.5 % ang nakuha mong interest per annum (per year). After 3 years ang inipon mo ay magiging halos nasa P35,000 pesos na. Maari kana makabili ng flat screen TV. Oooopsss.... Huwag muna patayin ang manok na ngingitlog para sa'yo. Mag-antay ka, kailangan ng timpi at pasensya. 'Wag maniniwala sa mga get rich quick schemes at kadalasan hindi totoo. Magdeposit pa din ng 800 pesos per month sa savings account mo. After 5 years ang pera nasa-save mo sa bank ay magiging nasa 65,000 pesos na. After 10 years tataas ito sa 180,000 pesos na. At kung tuloy-tuloy lamang sa paghulog every month after 20 years magiging doble ito at maging 676,000 pesos. Huwag i-withdraw ang pera kahit na tempting, magdeposit pa din ng 800 pesos kada buwan. Pagkatapos ng mahabang taon pagdedeposito after 30 years ang pera mo ay 1.9 M pesos na, YES milyonaryo kana, danil sa "compounding" ng interest na binibigay ng banko. Para sa karagdagan impormasyon maari pumunta sa banko at huwag mahiyang magtanung tungkol dito. Para makapag-ipon ng 800 pesos monthly,kailangan mo ng sakripisyo at sobrang disiplina sa sarili mo. Maaring magskip ka sa budget mo para sa pang-Starbucks coffee mo or meryenda na at least 100 pesos. For special savings account mas maigi na hindi atm ang kunin para walang temptation na mag withdraw. Baka nasa isip mo: "Wow 30 years hindi ko kayang maghintay ng ganun katagal,tumaya na lang ako sa lotto para mabilis", kung ganyan ang nasa utak walang mangyayari. Dahil maraming mga empleyado na umaabot na ng 30 years o higit pa na walang na-iipon sa banko.

7. BE SIMPLE - Ang pamumuhay ng simple ay hindi nangangahulugang ikaw ay mahirap. Walang masama makaranas ng sarap sa buhay, kumain ng masasarap at mag-shopping, pero dapat nasa lugar ang mga ito. Marami sa mga mayayaman ngayon ay mas piniling mamuhay ng simple, minsan kung sino pa ang mahirap ang nag-aastang mayaman. Isa sa mga rason kung bakit yumaman at nagiging successful ang tao dahil sa pagiging simple sa pamumuhay.
Sabi sa librong "The Millonaire Next Door" by Thomas Stanley and William Danko, ang mga milyonaryong Amerikano ay namumuhay lang ng simple. Forbes Magazines reports that Warren Buffet,may ari- arian who is worth $47 billion, mas piniling gamitin ang pick-up truck at nanirahan sa lumang bahay kung saan 50 years na sya nakatira doon. Isa ito sa mga dahilan kung bakit naging matagumpay, hanggat tumatakbo pa ang sasakyan hindi kailangan palitan. Huwag palit ng palit kung hindi kelangan.
Carlos Slim, 70 years old Mexican billionaire, nakatira pa din sa bahay kung saan binili niya 40 years ago, natuto siyang magtipid at pagpapahalaga sa mga ari-arian.Si Ingvar Kamprade, founder and owner of the Swedish Furniture company na IKEA, sumasakay pa din sa bus at economy class ang inuupuan pagsumakay ng eroplano.
Likas na ang pagiging simpleng tao lamang ni Henry Sy, the frugal founder of SM. Personal na pumupunta sa palengke at tumatawad pa sa mga suki. Mas gusto na lamang tumulong sa mga charity organizations.
Entrepreneurs will often have amazing business ideas, but they put them on hold due to a lack of capital. They assume that their idea will never get far off the ground unless they have major funding behind them. If you’re thinking of starting a business, you first need to come up with a realistic idea you can turn into a product or service.
Make sure that you build your business around your skills and knowledge. Your friends and family members can help you spread the word, and past business contacts can introduce your brand to their professional contacts as well. When you start a business, there’ll usually be a period when you’re investing lots of time, effort and money before you start making a profit. Before you do this, it’s important to research your market to make sure your customers will really pay for your product or service.
You may have the best business plan in the world, but without customers, your business is nothing. Create a thoughtful customer-acquisition plan and marketing strategy and be prepared to explain it to investors, partners and stakeholders, as this will undoubtedly be the first questions they ask.
Don't be afraid to fail. When you have an idea, figure out the pieces you need quickly, go to market, believe in it, and continue to iterate. If you need more investment, you might be able to raise money to fund your growth plan by selling shares in your business. You can do this by getting friends and family to invest.

Have some written recollection that you are partners, who's responsible for what, and how much money each of you put in.

Ask yourself what people are required to make it work for this idea, for this business?" Eighty percent of start-ups fail because the founders get bored, discouraged, or something else, and they move on to other things, not because of some catastrophe.

Spend a lot of time boiling down what their business is, what it does, and what it represents. If you nail down a 2-5 minute summary that will pay a lot of dividends throughout the life of your business. Do what you know… and love! It will resonate with your customers, employees, and potential investors. And make all the hard work worthwhile. Test it with them and get feedback. Find out what they’d be willing to pay for it. Try out different prices with different customers in a consistent, realistic way to see what people will really pay. Can you make enough money for a return on your investment?

2 person likes this

About the author

Belinda Salvacion

Profession: Nurse/ Entrepreneur
Hong Kong , Hong Kong , Hong Kong

 

Reply as anonymous (Your real name and picture will not be seen)
Ariel  Refugio
is a Forklift operator in Saudi Arabia
Tama at sundin ko mga payo mo..sana ganun din ang iba
1 person likes this
Belinda Salvacion
is a Nurse/ Entrepreneur in Hong Kong
Good luck sayo :-)
Janel San Juan
is a Sales Coordinator in Saudi Arabia
maganda ang advice mo... =)
1 person likes this
Virginia Dahuya
is in Taiwan
Tnx sa advice nadagdagan n nln kaalaman ko..malaking tulong to.
Lonely Zehcnas
is in the Philippines
try koh yan.... mahirap maging mahirap... sumasala sa pagkain... nangungutang para makatawid pang araw araw.... sobrang hirap....!!
Ricky Ambaras
is a non-Filipino member from the Philippines
Maraming salamat Po sa advise nyo sarap pakinggan ma'am
Merveine Estados
is a Direct Selling and Online Selling in the Philippines
Thank you po sa petmalu n'yong Advice!

God bless!
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