ISANG BARYA LANG PO! ni Alex Milan
Napakaganda ng
phrase na pinauso ng isang TV station sa atin – Ako ang Simula. Ibig sabihin,
puwedeng mag-iba ang takbo ng buhay kung mayroong willing na magsimula ng
pagbabago. Ito ang layunin ng kolum na ito – makahikayat ng mga taong
magsisimula nang isang buhay na babago sa nakagisnan na kahirapan.
Salamat po sa ilan
nating tagasubaybay na nagbibigay ng appreciation sa ating pagbabahagi ng ilang
‘barya’ ng kaalaman tungkol sa financial literacy. Dalangin ko na sa
pamamagitan ng pagsusulat natin dito sa Jeepney Press, marami sa ating mga
kababayan ay makakapulot ng ilang gabay tungkol sa mainam na pamamahala ng
ating pananalapi.
Marami sa atin na
mga Overseas Filipino sa Japan ang nag-aasam na makaahon sa tinatawag na rat
race na buhay. Pinapangarap natin ang pagdating ng panahon na hindi
natin kailangang magtrabaho para kumain. Sa halip, ang naipon natin ang
magbibigay sa atin nang pantustos sa ating pangangailangan at mga gusto sa
buhay.
Nakakalungkot
isipin na makalipas ang 20 taon sa Japan, marami pa rin ang bigo na makamit ang
pangarap na ito. Ang dahilan – ang kawalan ng maliwanag na ‘mapa’ tungo sa
matatag na buhay pinansyal.
Below is a
suggested checklist of tasks and financial goals that will bring us to our
financial independence. Tingnan mo kung nasaan ka na sa mapang ito. Hindi
madali pero posible kung pagsisikapan.
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Tasks
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Financial Goals
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Step One
This may take one year to two years.
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Magdesisyon na maging financial independent between five to 12
years.
Pay-off your credit card debts.
Do not take any more consumer loans.
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Zero-out your credit card debts.
Set aside Yen100,000 for your emergency fund.
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Step Two
This may take one to two years.
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Start building your emergency fund.
Open a ‘Storehouse’ Bank Account where you can save your
emergency fund.
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Increase your savings for emergency fund to Yen500,000.
Reduce the balance of your outstanding consumer loans, (car
loan, multi-purpose loans).
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Step Three
This may take one year to three years.
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Protect yourself through insurance.
Familiarize yourself on different kinds of insurance.
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Increase your savings for emergency fund to Yen1,000,000.
Zero-out your consumer loans.
Secure life insurance.
Secure health care plan.
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Step Four
This may take two to three years.
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Look for ways to increase your income through business,
investments, etc.
Increase your financial literacy through seminars, self-study,
group discussion, research, etc.
If you plan to start your own business, study short courses
related to your desired business. Do research and get professional advices
from experienced and experts in the field.
If you want to own your own house/condo, this is the right
time to consider taking home mortgage loan to finance your purchase.
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Put your emergency fund in high yielding demand deposit
accounts. Do not invest in long-term instruments your emergency fund as it
must remain easily available once needed.
Begin savings for your major purchases.
Begin savings for your retirement.
Begin savings for children’s education.
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Step Five
This may take one to three years.
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Start your business.
Explore long-term investments.
Draw up estate plan for your beneficiaries.
Enjoy life! Teach your children and their children this guide.
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Pay off your Home mortgage loan,
Children’s education funded.
Invest wisely in mutual funds, shares of stocks, parcel of
land.Note: Jewelries are not investments. They are luxuries. If
you can afford them, by all means buy and enjoy them.
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Your first step is
the most critical one - the beginning of your journey towards financial
independence for yourself and your next generation. Along the way, you
will need discipline, determination and dedication in order to reach your
destination. However, the struggles will be worth it. Your future generation
will thank you and be forever grateful because you have changed their destiny.
Hindi pa huli. May
pagkakataon pa. Puwede mong sabihin ‘Ako ang simula’.
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