Sa ‘yo ba umaasa ang family mo financially?
It’s hard to manage your money lalo na kung breadwinner ka pa. ‘Yung feeling na pasan mo ang buong daigdig dahil sa bigat ng responsibilities mo toward your family.
We hear you, Breaker.
Nakaka-sad dahil ito ang reality ng karamihan sa Filipino household. Hindi naman masamang mag-show ng support financially toward them. Saludo nga kami sa ‘yo because of your generous heart.
Pero the fact that you’re reading this article means it’s a burden too heavy to bear and you need help.
How much is too much nga ba when it comes to providing for your family? It’s important to draw boundaries between your financial security and your family’s.
Read these BreakThrough money tips below from Garett Maralit, co-founder of The Bright Millennial and a registered financial planner.
BreakThrough Money Tip #1: Communicate with your family.
We know na hindi niyo gaanong pinag-uusapan ang pera kasi minsan nauuwi lang sa bangayan, initan ng ulo, o sumbatan.
Pero bago ka umatras at mag-overthink, here’s Garett’s advice.
“Make sure to do it with love and respect… Mag-budget kayo as a family. Let them know na ito lang kinikita mo at kaya mong ibigay because the rest of your money, you have to spend it somewhere or save it for yourself.”
After doing your part, let God do His part. ‘Wag kalimutan to pray for them.
“Ipag-pray natin how our parents would react because it’s outside of our control,” he said.
Ipag-pray mo na God would give them a sound mind and an understanding heart when you speak to them.
Prayer din namin na bigyan ka ni God ng wisdom, clarity, and direction kapag ishe-share mo na ang heart mo sa kanila.
BreakThrough Money Tip #2: Generate multiple income streams.
Isa sa challenges ng breadwinners is “Puro ako bigay, wala nang natitira for me.”
Relate ka ba?
Wala sa pagtitipid lahat ng sagot, Breaker. Sabi nga ni Garett, “Minsan kahit ano’ng gawin mong save, talagang sagad lang, eh. Minsan hindi siya financial literacy problem, minsan income problem talaga.”
Dito na papasok ang pagiging madiskarte mo.
Turn your “Eto lang kinikita ko, kailangan ko pagkasyahin lahat ‘to,” to “Hindi sapat suweldo ko pero gusto ko pa magbigay at mag-ipon for myself. Maghahanap ako ng additional income.”
Puwedeng ‘yung full-time job mo ilalaan mo for your family tapos yung side job mo ay for yourself naman.
Hindi na rin puwedeng excuse ang “Hindi ko alam paano, eh,” when tools and materials are already online para matuto ka ng new skills or improve your old skills.
BreakThrough Money Tip #3: Teach your parents to save and invest.
Baka kaya wala silang savings or investments kasi hindi pa sila marunong?
May advice rin diyan si Garett for you, Breaker. WATCH the full BreakThrough the Lens video below.
I-share mo naman ang article na ‘to para marami ring ma-open ang mind toward the challenges and resolutions of financially supporting your family.
Comment “Relate ako dito” if you’re experiencing this and if helpful ang BreakThrough money tips na ‘to.
Are you believing and praying for your financial BreakThrough?
Gusto ka naming samahan mag-pray for it! Text us at 0999-227-1927 or call 0931-805-0802.