00:29.0
kung yan ang gusto mo?
00:30.0
You got to finish this video.
00:32.0
Hi there, this is Chinky Tanyor, pambansang wealth coach.
00:34.0
Maraming maraming salamat sa pag-tune in sa channel na ito.
00:37.0
Ito yung channel ng mga iponaryo at ng mga paonlan.
00:39.0
Mga friendship, kaya kung hindi ka pa nakasubscribe,
00:43.0
Sa video na ito, pag-uusapan po natin
00:45.0
ang kahalagahan po ng pag-rebuild ng emergency fund.
00:48.0
Ano mangyayari pag hindi nating gawin
00:50.0
at siyempre naman, huwag na na natin patagalin.
00:53.0
Bakit ba nating kailangan magkaroon ng emergency fund?
00:57.0
It provides what we call as financial security
01:00.0
and financial peace
01:02.0
in times of unexpected expenses and emergencies.
01:06.0
Alam mo, hindi yung tanong na.
01:08.0
It's not a matter of if.
01:11.0
It's a matter of when.
01:13.0
Kailan ito mangyayari?
01:14.0
Hindi naman sinasabi natin sana may mangyayari.
01:16.0
Pero mas maganda na, makapaghanda po tayo.
01:20.0
Type agree in the comment section kung nag-agree kayo.
01:22.0
So, at a second, matutulungan din po tayo
01:25.0
na hindi po tayo pumasok sa utang
01:28.0
or aasa tayo sa ibang tao.
01:30.0
Alam mo, ang pinakamahirap niyan.
01:32.0
Siguro na-experience ko na rin ito personally
01:34.0
na nawalan ka at kailangan mo
01:36.0
mang utang sa kaibigan at kamag-anak.
01:38.0
Yung parang hindi mo alam paan mo sasabihin.
01:41.0
Baka feeling nila, binoboodle mo sila,
01:43.0
niloloko mo sila,
01:44.0
but in reality, nangailangan talaga.
01:46.0
So, ano po talaga ang nangyayari?
01:48.0
Pag wala po tayong emergency fund,
01:50.0
sobrang stressful ang sitwasyon.
01:52.0
Especially kung tatlo po ang naging kaso niyo.
01:55.0
Meron kang binabayaran ng mortgage.
01:57.0
Hulugan sa bahay, sa motor, at sa sakyan.
01:59.0
That's number one.
02:00.0
Okay? Like for example,
02:01.0
naubusan ka ng pera,
02:02.0
eh syempre, wala kang pambayad,
02:04.0
eh kailangan mo bayara.
02:05.0
Kung hindi, maririmata.
02:06.0
So, mapipilit ang kang mang-utang
02:08.0
para sa pambayad ng motor, sa sakyan at bahay.
02:10.0
Pangalawa, eh syempre naman,
02:12.0
meron ka rin monthly needs.
02:13.0
Tubig, kuryente, upa, wala ka rin pera.
02:15.0
Wala kang emergency fund.
02:16.0
So, manggungutang ka muli
02:18.0
para sa iyong mga pangailangan.
02:20.0
Ibang group naman ng tao na iutangan mo,
02:22.0
hindi naman pwedeng same group.
02:23.0
And ito pa, pangatlo.
02:24.0
While na nagbabayad ka na ng mortgage,
02:26.0
nagbabayad ka na ng mga pangailangang sa utang,
02:28.0
naghahanap ka pa ng trabaho.
02:31.0
Naghahanap ka ng pagkakakitaan.
02:33.0
And since wala kang pondo,
02:34.0
manggungutang ka ulit
02:35.0
para may pamasahe ka,
02:38.0
Ito lang ang reality.
02:39.0
Pag iyang tatlong yan,
02:41.0
pinagsabay-sabay mo,
02:42.0
99%, you will make bad decision.
02:46.0
Sa sobrang desperado mo,
02:47.0
na gusto mo talagang,
02:48.0
ayaw mo maririmata ang bahay at sa sakyan mo,
02:50.0
ay manggungutang ka.
02:51.0
Kahit na ataas ang utang,
02:55.0
Pagbayad mo sa kuryente mo,
02:57.0
ay mapipilitan ka mang utang.
02:59.0
So, it's really a very stressful situation.
03:01.0
And I don't want,
03:03.0
any of our kaiponaryos na umabot po dun.
03:07.0
Nandun na po akong galing,
03:08.0
nakalabas na ako,
03:09.0
at sana mo, huwag nyo ng pasukin.
03:10.0
Kaya nga mga friendship,
03:11.0
tatanungin natin si Alfred De Leon,
03:15.0
at the same time,
03:16.0
si Aliza Hisarsa,
03:17.0
ikaw ba ay may emergency fund na?
03:19.0
So, ano po yung kailangan po natin gawin?
03:21.0
Anong tamang diskarte para tayo po ay lubuwag
03:24.0
at wala tayong ganung klaseng problema?
03:26.0
Mga friendship, number one,
03:27.0
mag-set up po tayo ng 3-6 months
03:30.0
of our living expenses.
03:32.0
Kung ang living expense mo ay 20,000 pesos per month
03:35.0
times 3 months is 60,000,
03:37.0
or 6 months, 120,000 pesos.
03:40.0
para just in case, no?
03:42.0
Na may mangyari, may pondo ka.
03:44.0
That's number one.
03:45.0
So, ay next question naman eh,
03:48.0
sa litang kinikita ko,
03:49.0
paano pa ako makakaipon
03:50.0
at magbibuild ng aking emergency fund?
03:52.0
Ito yung mga tips ko.
03:56.0
So, sa buwan na nagastusin mo,
03:57.0
imbis na travel expense,
03:59.0
instead na food expense,
04:00.0
or let's say eating out expense,
04:02.0
or let's say luxury expense,
04:03.0
umpisaan nyo muna ang emergency fund expense mo.
04:06.0
Kung kailangan mo ng let's say 20,000,
04:08.0
sikapin mo probably yung 20,000,
04:11.0
3 months time or 6 months time,
04:12.0
basta priority mo muna yan.
04:16.0
Kahit na pa 500, 500 lang.
04:18.0
Magtabi ka ng pang-emergency.
04:19.0
Talo na kung may mga Christmas bonus,
04:21.0
may mga mid-year bonus,
04:22.0
may mga additional income,
04:24.0
na hindi mo inaasahan na pumasok.
04:26.0
Saan mo ilalagay?
04:27.0
Hindi pang partying,
04:29.0
hindi pang travel,
04:34.0
please type clear in the comment section.
04:35.0
Now, next question,
04:36.0
saan mo ilalagay ang emergency fund mo?
04:38.0
Choose a separate account,
04:40.0
such as a savings account,
04:41.0
or a, like for example,
04:43.0
money market account
04:44.0
that can yield you a higher savings.
04:46.0
Mas malaki ang savings, no?
04:48.0
Or let's say interest,
04:50.0
Like for example,
04:51.0
may mga e-bank na po ngayon.
04:53.0
May mga e-bank na,
04:54.0
that offers at least
04:55.0
4.5% to 6% interest per annum.
04:57.0
Dun nyo po ilagay,
04:58.0
na withdrawable anytime.
05:01.0
Hindi nyo pwede pong ilagay sa investment.
05:03.0
Hindi nyo pwedeng ilagay sa business
05:05.0
ang emergency fund nyo.
05:07.0
Pag nilagay nyo sa investment,
05:08.0
ang emergency fund,
05:09.0
just in case na kailangan nyo,
05:10.0
emergency bumaksak,
05:11.0
ang investment mo na 50%,
05:13.0
mabibenta mo ng palagoy ng 50%.
05:16.0
Kaya wag na wag nyo ang gagawin yan.
05:18.0
Kailan natin gagamitin ang emergency fund?
05:21.0
In case of emergency break-loss.
05:26.0
Hindi po yung nagutom ka lang,
05:29.0
gusto mo lang bumiay,
05:32.0
avoid using the emergency fund
05:34.0
for non-essential purchases or expenses.
05:36.0
Parang awa nyo na.
05:37.0
So, paano natin mamaintain
05:39.0
ang ating emergency funds
05:40.0
from time to time?
05:41.0
Ireevaluate pa natin.
05:42.0
Lumalaki ba ang ating emergency fund?
05:45.0
Make adjustments.
05:47.0
based on your income versus expenses.
05:50.0
And number three.
05:52.0
ang iyong emergency fund,
05:54.0
Celebrate good times.
05:58.0
O, pwede ka na mag-celebrate,
05:59.0
pwede ka na mag-party,
06:00.0
pwede ka na mag-sum you.
06:02.0
building an emergency fund
06:15.0
Pero ito pong pangako po sa inyo,
06:17.0
pag kayo po ay magkaroon
06:19.0
ng emergency fund,
06:21.0
it can protect yourself
06:23.0
from financial disaster,
06:26.0
and financial stress.
06:29.0
Kung gusto mo yan,
06:30.0
mag-umpisa ka na.
06:31.0
At para sa mga tao
06:32.0
ang hindi alam paano mag-umpisa,
06:34.0
I want to challenge you
06:35.0
to the 60,000 Ipon Challenge.
06:39.0
para sa emergency fund mo.
06:41.0
gamitin niyo na lang
06:42.0
itong Piso Planner na ito.
06:43.0
Sa loob ng Piso Planner,
06:44.0
meron tayong invisible,
06:48.0
Pag nabuo mo niya in one year,
06:50.0
Yan ay pangunahing
06:52.0
sa iyong emergency fund.
06:53.0
So, if you want to
06:56.0
just order the Piso Planner.
06:58.0
All you need to do
06:59.0
is just go to the comment section
07:00.0
or the description section,
07:01.0
makikita niyo na po ang link.
07:03.0
Maraming maraming salamat po.
07:04.0
Sana naman ipalaga na po natin
07:06.0
ang kahalagahan ng emergency fund.
07:08.0
At i-share po natin
07:09.0
sa ating mga friendship,
07:10.0
ang ating mga kaibigan,
07:12.0
propotektaan ang ating sarili.
07:15.0
Thank you for watching.
07:17.0
If you want to suggest
07:18.0
a topic or review
07:19.0
that you would like me to discuss
07:20.0
on the next video,
07:21.0
please do comment below
07:22.0
para mabasa po namin.
07:24.0
Thank you very much,
07:25.0
and I'll see you on our next video.
07:30.0
So, ang ibig ko sabihin,
07:39.0
hanggang diyan na lang,
07:40.0
protekta ng ating sarili.
