Filipinos are bad in financial decisions, kulang sa financial literacy at unnecessary spending activities.
Matutong mamaluktot kung maikli ang kumot.
Boksingero ba(close fist) ang kamao mo o karetista (open fist)?
Hindi ko ibig na manapak ng indibidwal o i-karatechop siya. Bars.
Spending equates to emotions. Ito ay magnified thru persons mindset, behavior and habits.
Always check your emotions before spending.
Always ask yourself if the item that you will buy is necessary or wants.
Naisip mo na bumili ng load para sa internet sa ngayong araw pero ang food mo for tomorrow ay hindi mo inisip. Investment ba iyan?
Inuna mo ang entertainment kaysa unahin ang pagkain for tomorrow. Investment ba iyan?
There is nothing wrong when spending to reward yourself. You deserve that reward for doing a good job.
However, you now have to make twice the effort over time to save again and to regain the amount that you spent on that reward. Some people use this thinking as motivation.
"Self-budol". Bars.

Paying your bills is a responsibility.
Spending on groceries is necessary but limit the amount that you will spend. Spending for 15 days or 30 days for grocery?
Ang pag-budget ay hindi biro ngunit ito ay kailangan.
Number 4 is what most Filipinos use to make excuses for unnecessary spending that leads to debt and financial instability. Most of the time ay connected ang Number 6 sa Number 4 dahil sa Number 3, "Nauuna ang yabang".