ENTRY NUMBER 9: THE SPENDER, THE SAVER, THE INVESTOR
It's been a week since the last entry, sorry for that guys. I have a lot of work to do these past few days. hehehe...
Well at least it's Saturday so I can write another one today. I am quite astounded with the recent transactions i had (transaction I mean, business transactions hehehe)....
Anyways gusto ko lang po ibahagi sa inyo ang kwento na ito. People are classified in these three types when it comes to money management. (Well!!! nasa title naman po siya... hindi halata noh? hehehe)
Kidding aside, I would like to introduce you to these three: Mike, John and Gabby
John,Mike and Gabby are friends. They are like that since college days until graduation. They are all engineers and took the board exam. Fortunately, they passed the exams and soon found themselves looking for a job.
They are all hired in the same company, with the same position, and the same starting salary (Gosh!!! ayaw sila paghiwalayin ng tadhana noh?!)
The only thing that separates them is their attitude towards money..............
Well at least it's Saturday so I can write another one today. I am quite astounded with the recent transactions i had (transaction I mean, business transactions hehehe)....
Anyways gusto ko lang po ibahagi sa inyo ang kwento na ito. People are classified in these three types when it comes to money management. (Well!!! nasa title naman po siya... hindi halata noh? hehehe)
Kidding aside, I would like to introduce you to these three: Mike, John and Gabby
John,Mike and Gabby are friends. They are like that since college days until graduation. They are all engineers and took the board exam. Fortunately, they passed the exams and soon found themselves looking for a job.
They are all hired in the same company, with the same position, and the same starting salary (Gosh!!! ayaw sila paghiwalayin ng tadhana noh?!)
The only thing that separates them is their attitude towards money..............
John is an outgoing type person. As shown on the picture (Scary isn't it?)
He likes to party, to go to bars, eat in expensive restaurants, he has a bunch of credit cards so it's not a hassle when he wants to buy something. He's attitude towards money is to "spend,spend,spend" he is confident that his salary will be enough for all of his expenses and only save money whenever there is left. Fearing that his money will be spend if he has it, John decides to hide it in his vault. To make it short, John is a spender.
He likes to party, to go to bars, eat in expensive restaurants, he has a bunch of credit cards so it's not a hassle when he wants to buy something. He's attitude towards money is to "spend,spend,spend" he is confident that his salary will be enough for all of his expenses and only save money whenever there is left. Fearing that his money will be spend if he has it, John decides to hide it in his vault. To make it short, John is a spender.
Mike on the other hand is the exact opposite of John, he seldom spends money to buy luxury items. He only buys the things he needed. He always choose the cheapest items in the store on when he do his grocery. (Napaka kuripot naman nito). He is very thrifty, in fact he always save money that he doesn't have the time to show his face (just kidding.. hahahha!) . Having a portion of his salary for savings, he decides to put it in a bank ( most banks has an interest of around 1percent per year). So in short, Mike is a saver.
Gabby on the other hand, opted for a different approach. I can summarize him as something in between. He is also outgoing like his friend John but on the other hand a thrifty person as well like Mike. He occasionally buys items that he wants, he goes to parties of course, and spends money like the other two. The difference in Gabby's spending is that HE SAVES A PART OF HIS SALARY FIRST before spending. Unlike Mike, Gabby puts his savings in INVESTMENTS (dahil alam niya na mas malaki ang ilalago ng pera nya dito kung ikukumpara sa bangko). In short, Gabby is an investor.
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AFTER A YEAR, SINO SA TINGIN NINYO ANG MAY PINAKAMALAKING NAIPON SA TATLO?
Kung halimbawa ang bawat isa sa kanila ay nakakapagtabi ng 5,000 sa isang buwan..........
John decides to hide his money so he will not spending, Sa madaling salita si John ay nakaipon ng
5,000 pesos x 12 months = 60,000 pesos sa isang taon.
Mike decides to put his money on the bank, sabihin natin ang time deposit ng bangko ay 1percent sa isang taon
5,000 pesos x 12 months = 60,000 pesos
1 percent ng 60,000 ay 600 pesos
kaya ang pera ni Mike ay 60,600 pesos sa isang taon
Gabby decides to put his money on the stock market... And seeked advice of an expert, he is able to gain 20 percent in one year! (Believe me it's possible)
so kung ang 20 percent ng 60,000 ay 12,000
ang pera ni Gabby ay naging 72,000 sa isang taon
Friend,................. Sino ka sa kanilang tatlo? Sino sa tingin mo ang magandang tularan? It's up to you to decide
Have a happy weekend everyone.
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AFTER A YEAR, SINO SA TINGIN NINYO ANG MAY PINAKAMALAKING NAIPON SA TATLO?
Kung halimbawa ang bawat isa sa kanila ay nakakapagtabi ng 5,000 sa isang buwan..........
John decides to hide his money so he will not spending, Sa madaling salita si John ay nakaipon ng
5,000 pesos x 12 months = 60,000 pesos sa isang taon.
Mike decides to put his money on the bank, sabihin natin ang time deposit ng bangko ay 1percent sa isang taon
5,000 pesos x 12 months = 60,000 pesos
1 percent ng 60,000 ay 600 pesos
kaya ang pera ni Mike ay 60,600 pesos sa isang taon
Gabby decides to put his money on the stock market... And seeked advice of an expert, he is able to gain 20 percent in one year! (Believe me it's possible)
so kung ang 20 percent ng 60,000 ay 12,000
ang pera ni Gabby ay naging 72,000 sa isang taon
Friend,................. Sino ka sa kanilang tatlo? Sino sa tingin mo ang magandang tularan? It's up to you to decide
Have a happy weekend everyone.
HOPING FOR YOUR FINANCIAL SUCESS
WILLIE VERIDIANO JR.
WILLIE VERIDIANO JR.
PS 1 If you want to know more about my current business and investments, you can check or visit the following sites. Thanks.
http://www.citiseconline.com/
http://start-with-300pesos.weebly.com/
http://www.citiseconline.com/
http://start-with-300pesos.weebly.com/