Kurot Principle vs Dakot Principle

So Ano yung Kurot Principle?

My friend John plans to buy a cellphone worth P25,000

He has P150,000 na savings.

Puwede ba siyang bumili ng cellphone?

Puwede, kasi yung P25,000   lang ‘yon sa kanyang savings. Maliit lng un na percentage sa savings nya, that’s Kurot.

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Now, my 2nd friend Marco wants to buy a cellphone too. He also wants to buy a cellphone worth P25,000. He too has savings but only worth P25, 000.

Marco bought the cellphone.

Anong tawag dun?

DAKOT nayun! He used all his savings just to buy the cellphone. That’s Dakot.  Dinakot lahat ang pera niya!

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My 3rd friend – Junjun also plans to buy a cellphone to be able to catch up with John and Marco.

Para “in” daw sya syempre. The problem is Junjun don’t have any savings at all.

Junjun bought the cellphone worth P25,000.

Anong tawag dun? UTANG! Utang na un wala nmn syang pera e, kaya nangutang.


The BIG question now is: ano’ng prinsipyo ang ginagamit mo sa buhay mo? KUROT, DAKOT, o UTANG?

Buying a High end cellphone looks really cool for some, people feel they are “in” and what’s important for them is to look rich. Kung Kurot principle ang ginamit then afford nya un, okay lang un, pero pag dinakot mo or inutang then hindi un tama.

Liabilities ang inuuna rather than investing or savings. Gusto instant gratification agad.

The funny thing is, a lot are then wondering why they are not able to save and invest and most have loans too?

Ang galing nating dumakot  eh. Ang galing umutang! Gusto mong yumaman? Then you need to use the Kurot principle.

Mangurot ka at wag dumukot or mangutang!

Do this and for sure your savings will improve and you can start investing.

I read this from Vic and Avelynn Garcia’s book Kontento Ka Na Ba Sa KaPERAhan Mo?

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If you want to know more on how Kurot principle works then subscribe to my blog Super OFW Investor. Feel free to share this article and comment below for any questions.

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Nolan Lazaro
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    Posted at 06:15h, 14 August Reply

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