Why Do Filipinos Lack The Discipline To Handle Money?

Do you have friends who are like this…

They are not earning enough, and yet they keep spending their money on vices and unnecessary and luxurious things.

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They are unable to pay their rent, and yet they still go to bars and expensive restaurants almost every day.

They are already deep in debt, and yet they still keep on borrowing money!

It has become part of our culture as Filipinos to have very little discipline.

Regardless of where you go, regardless of what the situation is, you will most likely see that the lack of discipline is our weakness.

And I do believe that the reason why we lack discipline is because we seem to idolize…


Juan Tamad, or “Lazy John” is a character in the Philippine folklore who is very, very lazy. Could it be true that as Filipinos, we are taking after him?

All we want to do is relax while WAITING for the blessings to come fall down on us. We are already so deep in debt, and yet we are still lazy to look for ways to get out of debt. If there’s one thing that we are diligent and earnest about, it’s making up EXCUSES to avoid any form of responsibility. And then there are some of us who lack discipline because we are…


We think that after a very tiring work week, we DESERVE to chill. Of course, we deserve to relax, yes, but we need to be wise in doing so. We need to make sure that the things we spend on for relaxation will actually benefit us or have some value in the future, and not be a source of financial breakdown.

We are also fond of saying that we need to buy something to make life easier for us. But how true is this? Often, when we find that the income we are earning is growing, we also tend to increase our lifestyle. There was a time when you can enjoy just one viand during a meal. Why is it that right now, you only want to eat at expensive buffet restaurants?

And then there are those who just want to…


They feel like they are Jack from Titanic, and they think this: “I’m the king of the world!” They feel like nothing and no one can ever stop them. They put on this facade that even if they can’t afford it, they will eat at the most expensive restaurants, and even take pictures of it to post on Facebook and Instagram.

These people brag about being able to buy expensive cars, even if the truth is, they can’t afford it. They loan money for the down payment for the car, and even for the monthly amortisation. They’re not even sure if they can pay for the loan that they will get in the first place! For them, what’s important is to look COOL AND SUCCESSFUL.

And most of all, people lack discipline because they are…


They simply can’t accept the fact that they need to change, and so, they carry on with their old habits and with the “normal” things. They become so lazy to change their situation.

They think that they are exempted from change. These kinds of people believe that there is nothing at all that they need to change in themselves. If there is anyone or anything that must change, it’s the people and things around them.

Because they are so focused on their need and desire to brag about what they have, they become blinded from the wrong things that they do. Because of this, they are unable to see the areas where they need to improve.

These are some of the reasons why Filipinos lack discipline. If you can relate to any of these things, I suggest that you make changes in your life. Remember, “You can’t change the world, but you can change your world.”

And you can do so by being…


Have a POSITIVE ATTITUDE and you will gain positive rewards in the future. Yes, it’s difficult to be diligent and hardworking, but it’s definitely your key to achieving success in this life.


Don’t easily get swayed by your emotions every time you decide on how to spend your money.

Your spending must always be ALIGNED with your long-term goals.


Stop trying to earn other people’s approval by buying things you can’t afford. What people appreciate more are people who are wise in their spending, and not just people who simply brag about the things they spend on.


Don’t be afraid of change. Yes, the process of change is difficult, but the results that await you are definitely worth it.

If you are ready to change your financial situation. I am inviting you to be part of my event sa Nov 30, 2016.  This will be my last public seminar for the year, click here to receive a P1,000 discount http://chinkeetan.com/moneywise.

(Chinkee Tan is a top Filipino motivational speaker, wealth and life coach whose goal is to inform, educate, motivate, and disturb. His vision is to help people become financially-literate and debt-free. For more info about Chinkee Tan, please visit his fan page at FB, Twitter and Instagram. Also follow VIBER PUBLIC CHAT GROUP search chinkee tan, and VISIONCHINKEE on You Tube for more news and encouragements.)

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