Bakit hirap mag-save ng pera ang ibang Pinoy?

There are several reasons why some individuals find it challenging to save money. Issue ito na common na sa mga Pinoy dahil ramdam nila at kabilang sila sa ganitong sitwasyon.

Ano ba ang mga reason bakit mahirap mag-save ng pera ang mga tao?

One common factor is the lack of financial literacy and understanding of budgeting principles. Without a clear grasp of how to effectively manage their income and expenses, people may struggle to set aside funds for savings.

Dagdag pa rito, impulsive spending behaviors and a desire for instant gratification can hinder saving efforts. Ito ang mga taong gasta nang gasta pero hindi na iniisip na mas may mahahalaga pang dapat na paggastusan at ang iba ay dapat na i-save. In a consumer-driven society where the pressure to constantly consume is prevalent, individuals may prioritize immediate wants over long-term financial security. Mahilig ang iba sa bumili ng bagay na mga gusto kaysa sa kung ano lamang ang mga kailangan.

Furthermore, economic factors such as low wages, high living expenses, and mounting debt can also contribute to difficulties in saving money. Mahirap naman talagang makaipon ng pera kung kulang ang sinasahod at sadyang hindi sapat para sa pamilya o kahit sa sarili.

Minsan din mabigat na rason na hindi nakakaipon ang iba sa atin kapag mabigat ang financial responsibility sa family o extended family. This is even more painful kapag ang ibang family member ay kaya namang magtrabaho pero umaasa sa ibang may trabaho sa pamilya.

For individuals living paycheck to paycheck, saving may seem like a distant luxury rather than a feasible goal. Additionally, unexpected emergencies or financial setbacks can further strain an individual’s ability to save, forcing them to prioritize immediate financial needs over saving for the future.