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| picture courtesy of http://lavistachurchofchrist.org |
Not long ago, nagpaseminar ang company ko about risk management. Medyo napalihis ng topic yung resource speaker at nabanggit niya ang 70-20-10 rules sa personal finance. According kay Tito Wikipedia, ang personal finance ay:
Personal finance refers to the financial decisions which an individual or a family unit is required to make to obtain, budget, save, and spend monetary resources over time, taking into account various financial risks and future life events. When planning personal finances the individual would consider the suitability to his or her needs of a range of banking products (checking, savings accounts, credit cards and consumer loans) or investment (stock market, bonds, mutual funds) and insurance (life insurance, health insurance, disability insurance) products or participation and monitoring of individual- or employer-sponsored retirement plans, social security benefits, and income tax management.
Sa 70-20-10 rule, 70% ng kinikita mo ang ilalaan mo sa pang-araw araw mong gastos, 20% ilalaan sa savings at 10% ay ido-donate. Kung mapapansin n'yo, si Tito Wikipedia walang binanggit na pamimigay mo yung pera mo. Puro management ng sarili mong pera.
Ang sabi ng resource speaker namin, kaya daw merong 10% d'yan, pwera pa sa based din yan sa bible eh dahil we must learn to let go of money. Dahil, kung puro ko take ng pera at hindi ka marunong magbigay, nagiging alipin ka ng pera. Which is, may sense nga naman.
Sa limited time ko dito sa mundo (27 years so far), napansin ko na tama yung kasabihang "The more you give, the more you receive." Case in point, nung magkaroon ako ng pagkakataong magtrabaho, kapag nag-sisimba, ang binibigay ko palagi ay 20 petot lang. Pero nung magbago na ang trabaho ko at tumaas ang sweldo ko, tinaas ko ng tinaas ang binibigay ko sa simbahan. At everytime na nagkaroon ako ng pagkakataon ng itaas ang binibigay, ambait ni Lord at binibigyan niya ako lagi ng mas marami pang pera! ^_^
Opcors, huwag ka namang magbigay para lang bigyan ka lalo ng mas maraming biyaya. Ang pagbibigay ay isang bagay na kusa. Parang pag-ibig lang yan. Hindi lahat may pagkakataong makapagtipid ng pera. Kung nakakapaglaan ka ng pera para sa sarili, siguro naman kaya mo ring maglaan ng konting bahagi nun para sa iba.
Hindi ko tatapusin ang blogpost na'to sa kung anu anong shit. Tatapusin ko siya sa isang bible passage na sa tuwing babasahin ko, nanliliit ako.
Luke 21: As Jesus looked up, he saw the rich putting their gifts into the temple treasury. He also saw a poor widow put in two very small copper coins. “Truly I tell you,” he said, “this poor widow has put in more than all the others. All these people gave their gifts out of their wealth; but she out of her poverty put in all she had to live on.”
