If you want to become financially free, you have to make a decision. You have to be determined that you really want to become free. Regardless kung anong reading materials ang aralin mo and seminars that you already attended, without the DECISION and DETERMINATION hindi mo rin mararating ang maging financially free.
Usually a back-up fund is equivalent to 6 - 8 months of your salary. That is the same amount of time which your family will adjust if something happens to you. It is the same fund they will use if you are not able to get back to work within that time period and to pay off your financial obligations because of illness, disability or maybe accident. Also, during that period they can determine if you are still capable of working on the 9th month.
So if you can't get back to work anymore, they have 6-8 months to adjust and plan ahead.
I feel you, it is not that easy. If you cannot still save at least 25% or your income, why not save at least 10% or kung padin talaga kaya then save 5% or maybe just keep on saving php100 or 500 every payday.
Once nasanay ka na in saving first before spending, it will become a habit.
But first of all, make a DECISION, gusto mo ba talagang ma achieve ang financial freedom? so be DETERMINED to become financially independent!
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