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Hi there, there's Shinky Tan, your Pabansang Wealth Coach.
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Thank you very much for tuning in to this channel. Ito ang channel ng mga iponaryo at payaman.
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Ngayon, we are going through a breaking free series.
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Ang right now, pag-uusapan natin unhealthy money habits that we need to break free from.
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At ano pong kailangan natin gawin.
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So, ano ba yung mga unhealthy money habits that you have been practicing over the years?
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Number one, simple. Like for example, overspending.
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Yung hindi ka na nag-iisip, gumagastos ka lang kasi emotional spender ka or impulse buyer ka.
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Guilty ka ba dyan? Kung ay guilty, type guilty in the comment section.
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Number two, unhealthy money habits is utang.
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Ang ginagawa po natin, parang sa ating normal na lang magkaroon ng utang.
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Bago kang magkaroon ng bagay, instead na ipunin mo, inuutang mo.
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Number three, get rich quick mindset.
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Gusto mo talaga yung mabilisan na kita.
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Kaya, imbis na kumikita ka, madalas kang malugi at maskam.
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Kasi gusto mo mabilisan.
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Ito lang yung tatlong example ng bad money habits that's really preventing us from really succeeding in life.
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But from what I've learned from people,
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importante po talaga na matutupo tayo sa ating pagkakamali.
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Because if you keep on doing the same thing over and over again,
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and expect a different result, you're called an insane person.
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In order for things to change, you and I have to change.
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Kailangan natin magbago.
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So, allow me to introduce to you the word called money.
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Paano natin babaguhin ang ating unhealthy money habits?
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Let's start with letter M.
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I-monitor muna natin ang ating kita,
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Ulitin ko. Pag-usapan natin.
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Alamin mo muna kung magkano ang iyong kinikita on a monthly basis.
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Because you cannot spend the money that you do not have.
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Kung ikaw ay kumikita lang ng Php15,000 sa month,
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ang ibig sabihin niyan,
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ka-iponaryo, hindi ka pwedeng gumastos more than Php15,000.
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Pero alam mo, may mga ibang super gifted.
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Kahit Php15,000 lang ang gastusin,
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ang ginagastus ay Php25,000 a month.
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Ha? Paano ginagawa yan?
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Again, because of the bad money habit of utang.
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Kaya kailangan po,
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i-monitor din po natin ang ating utang.
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Kung tayo po ay umuutang para to sustain only the lifestyle that we want right now,
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and we cannot afford, may problema ka talaga.
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kailangan i-monitor din natin ang ating gastusin.
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you have to create a list,
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we're gonna check it twice,
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we're gonna find out who's naughty or nice.
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Kasi sa totoo lang,
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hindi nyo ba napapansin,
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at the end of the year,
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parating itong tanong nyo,
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saan napunta ang kinita ko?
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Pag yan ang katanungan nyo,
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wala po kayong budget,
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hindi mo na mo-monitor yan,
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kaya nga parating ubos ka,
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at wala kang ipon.
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Agree or disagree?
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Kung kayo nag-agree,
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type agree in the comment section.
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Monitor your income,
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monitor your spending,
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and monitor your utang.
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Optimize your income right now.
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earning money from one salary,
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one income is good,
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but right nowadays,
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hindi na talaga sya sapat.
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That's the reason why you have to increase your income sources.
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Hindi lang dapat isa,
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meron kayong side hustle or side line,
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na pwede pa madagdagan ang inyong kita.
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Realidad naman to.
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Kasi na dagdagan ng income mo,
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it's easier to pay for your bills.
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It's easier to pay off your debt.
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And it's easier to increase your savings.
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Kasi sa totoo lang,
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kahit na gusto mong mag-ipon,
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magbayad ka ng utang,
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nagdadagdagan ang iyong income,
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Let's go to letter N.
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Anong nagagawin natin sa N?
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Ano po aalagaan po natin,
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ina-nurture natin?
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Yung mindsets mo,
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at yung habits mo.
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I don't know if you believe in this quote
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by Ralph Waldo Emerson.
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if you saw a thought,
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When you saw an act,
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it becomes your habit.
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When you saw your habit,
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it becomes your character.
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And when you saw your character,
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it becomes your destiny.
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Give me five minutes with a person.
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Makausap ko lang,
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kung ano lumalabas sa kanyang uso,
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ito ay nanggagaling sa kanyang puso
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at nanggagaling kanyang isipan.
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Kung ang parating lumalabas negative,
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yung mindset niya ay negative.
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Kaya importante po,
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in-nurture po natin
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ang ating mindsets.
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Ano ba yung ating mindset?
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Develop a positive way
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and a proactive attitude
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in replacing yung mga unhealthy
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money mindsets natin
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with a good money mindset.
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Ano po yung mga unhealthy money mindsets?
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Parating sinasabi mo,
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Bakit mo sasabihin na,
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ikaw ay wala kang pera?
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Sa matter of fact,
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pag sinabi mo na wala kang pera,
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ikaw ay nagsinuling.
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Pag may piso ka sa bulsa,
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Instead of sabihin mo,
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Bakit kang magkakapera?
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Kasi, nagaaral ako,
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nagsasideline ako,
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naghahanap ako ng pagkakataon.
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I associate with successful people.
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If you start nurturing
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your negative mindset
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to a positive mindset,
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ang iyong perspective sa buhay.
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Just like watching this channel.
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Ito bang channel na ito
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nakakatulong sa inyong money mindset?
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Sa pagre-re-program
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on how you think as a person.
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Kung nakakatulong,
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type the word called
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nakakatulong sa comment section.
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Kaya kakamustahin ko na rin
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si Renaline Lariego,
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at si Marjorie Sundiam.
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Maraming maraming salamat.
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Maayong gabii sa inyong tanan.
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Let's go to letter E.
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Letter E of money.
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Anong gagawin po natin
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para ma-change ng ating unhealthy money mindset?
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Educate yourself.
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Educate yourself.
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The more you read,
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the more things you will know,
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the more you learn,
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the more places you will go.
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When you educate yourself
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by learning about money,
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paano kumita ng pera,
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paano humahawak ng pera,
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paano magpalago ng pera,
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paano magprotekta ng pera,
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Gagandang buhay mo.
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Gigihawang buhay mo.
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Every single day.
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Yan ang ginagawa ko.
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Hindi lang po ako nagtuturo.
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Ako ay nag-aaral.
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Bakit? Because I cannot teach what I do not know.
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Kaya nga, I want to challenge yourself.
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Mag-enroll kayo sa mga klases.
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Magbasa kayo ng mga libro.
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Expose yourself to successful people.
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That's what you need to do.
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Walang shortcut sa success.
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Letter Y on money.
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Anong gagawin natin?
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Anong ibig sabihin ng yield?
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Saan tayo susuko?
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Yield to patience and discipline.
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tulay sa tagumpay,
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at sa pagtatapos,
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sa tagumpay sa buhay,
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Patience and discipline ang kailangan.
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Yan ang kulang talaga sa atin.
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Iilan sa inyo ang nag-umpisa na talaga mag-ipon.
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Umpisa lang, walang tapos.
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Iilan na sa inyo ang nag-umpisa na mag-negosyo.
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Noong na-reject lang.
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E, nasiraan ng loob.
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Iilan sa inyo ang nag-start ng bagong karyer.
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E, noong ayaw mo lang yung kasama mo,
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ay tumigil ka na rin.
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Dapat natin ipamalas
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ang ating pagiging
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ika nga, magpapadala sa bungso ng ating damdamin.
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If you apply patience,
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No one can stop you, my friend.
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Kaya mga friendship,
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gusto maka-break free na
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sa wrong money habits.
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Ano yung word called money?
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Monitor po natin.
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Ang ating sarili.
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Monitor ang ating kita,
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at ang ating utang.
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O, optimize natin ang ating income.
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Mag-create pa tayo ng multiple sources of income.
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N, in-nurture natin ang ating pag-iisip.
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Alagaan natin, protectan.
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E, i-educate natin ang ating sarili.
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Para mas marami pa tayong malalaman.
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Patience and discipline.
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pag ginamit nyo itong five steps na ito,
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You can break free from any unhealthy money habits.
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I'll leave you with this quote by Socrates.
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Sinabi niya na napakaganda nito.
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Pakinggan nyo na mabuti.
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The secret to change is to focus all of your energy,
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not on fighting the old one,
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but building and replacing with the new one.
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Galing, galing, galing mga friendship.
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Sana naman, ay, natuto naman kayo.
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Pag natuto naman kayo, pakit-type na word code natuto.
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Para malaman kung hanggang ending nandito po kayo.
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And if you missed the other episode ng Breaking Free series po natin,
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huwag kayong mag-alala.
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Pumunta na lang sa comment section or sa description section.
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Hanapin nyo na po at mag-binge po kayo at tapusin nyo.
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Pupusta po ako, kahit di ako sumusugal.
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Pagkatapos nyo ng Breaking Free series,
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the new way of thinking,
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will take over your old way of thinking.
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Tatandaan, ang tamang karunungan,
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ang tamang kaalaman ang susi sa pagliyaman.
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Thank you for watching.
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If you want to suggest a topic or review
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that you would like me to discuss on the next video,
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please do comment below para mabasa po namin.
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Thank you very much and I'll see you on our next video.
