Do you find yourself struggling with money and success, because of unhealthy money habits? Do you overspend, hoard, or avoid managing your finances, to the point that it's affecting your well-being and future? If so, it's time to break free from these limiting patterns, and find financial freedom and success, instead. If you missed any of our break free series, you can still watch it by clicking this link: https://www.youtube.com/playlist?list=PLMjKNhiK3DLDU4ctgceBdhVlFAm4QsxIO Please subscribe and watch the Diary of Pulubi Animated Series on my 2nd Channel To subscribe click here: https://www.youtube.com/@TeamIponaryo #pambansangwealthcoachngpilipinas #bawatpilipinoayiponaryo #chinkpositive #chinkeetan #helpingtobecomedebtfree #pambansangwealthcoachngpilipinas #wealthy #money #financialfreedom #rich #moneyhabits #earn Watch our playlist! EARN: https://youtube.com/playlist?list=PLMjKNhiK3DLAWKg4O94CECbagGfEYkXEF GROW: https://youtube.com/playlist?list=PLMjKNhiK3DLAl1JkW6nlCadvhY-6RwoJC MAN

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Kung tayo po ay umuutang para to sustain only the lifestyle that we want right now and we cannot afford, may problema ka talaga.

Pag iyan ang katanungan niyo, ibig sabihin wala po kayong budget, hindi mo na mamonitor yan.

Kaya nga, parating ubos ka at wala kang ipon.

Videos that will make you wealthy and debt free.

Friendship, gusto mo na ba talagang maging matagumpay sa iyong buhay?

Pero talagang medyo feeling mo may pumipigil sa'yo.

Alam mo, sa totoo lang, ang unang kontrabida natin sa ating buhay ay walang iba kundi ang ating sarili.

Why don't we ask ourselves if we have unhealthy money habits?

Sa video na ito, pag-uusapan po natin what are the unhealthy money habits that can really prevent us from succeeding in life.

Hi there, there's Shinky Tan, your Pabansang Wealth Coach.

Thank you very much for tuning in to this channel. Ito ang channel ng mga iponaryo at payaman.

Ngayon, we are going through a breaking free series.

Ang right now, pag-uusapan natin unhealthy money habits that we need to break free from.

At ano pong kailangan natin gawin.

So, ano ba yung mga unhealthy money habits that you have been practicing over the years?

Number one, simple. Like for example, overspending.

Yung hindi ka na nag-iisip, gumagastos ka lang kasi emotional spender ka or impulse buyer ka.

Guilty ka ba dyan? Kung ay guilty, type guilty in the comment section.

Number two, unhealthy money habits is utang.

Ang ginagawa po natin, parang sa ating normal na lang magkaroon ng utang.

Bago kang magkaroon ng bagay, instead na ipunin mo, inuutang mo.

Number three, get rich quick mindset.

Gusto mo talaga yung mabilisan na kita.

Kaya, imbis na kumikita ka, madalas kang malugi at maskam.

Kasi gusto mo mabilisan.

Ito lang yung tatlong example ng bad money habits that's really preventing us from really succeeding in life.

But from what I've learned from people,

importante po talaga na matutupo tayo sa ating pagkakamali.

Agree?

Because if you keep on doing the same thing over and over again,

and expect a different result, you're called an insane person.

In order for things to change, you and I have to change.

Kailangan natin magbago.

So, allow me to introduce to you the word called money.

Paano natin babaguhin ang ating unhealthy money habits?

Let's start with letter M.

Monitor.

I-monitor muna natin ang ating kita,

gastos,

at utang.

Ulitin ko. Pag-usapan natin.

Muna, kita.

Alamin mo muna kung magkano ang iyong kinikita on a monthly basis.

Because you cannot spend the money that you do not have.

Kung ikaw ay kumikita lang ng Php15,000 sa month,

ang ibig sabihin niyan,

ka-iponaryo, hindi ka pwedeng gumastos more than Php15,000.

Common sense.

Agree?

Pero alam mo, may mga ibang super gifted.

Kahit Php15,000 lang ang gastusin,

ang ginagastus ay Php25,000 a month.

Ha? Paano ginagawa yan?

Again, because of the bad money habit of utang.

Kaya kailangan po,

i-monitor din po natin ang ating utang.

Kung tayo po ay umuutang para to sustain only the lifestyle that we want right now,

and we cannot afford, may problema ka talaga.

And then third,

kailangan i-monitor din natin ang ating gastusin.

I-write down,

you have to create a list,

we're gonna check it twice,

we're gonna find out who's naughty or nice.

Kasi sa totoo lang,

hindi nyo ba napapansin,

at the end of the year,

parating itong tanong nyo,

saan napunta ang kinita ko?

Pag yan ang katanungan nyo,

ibig sabihin,

wala po kayong budget,

hindi mo na mo-monitor yan,

kaya nga parating ubos ka,

at wala kang ipon.

Agree or disagree?

Kung kayo nag-agree,

type agree in the comment section.

That's letter M.

Monitor your income,

monitor your spending,

and monitor your utang.

Let's go to O.

Optimize your income right now.

Alam mo,

earning money from one salary,

one income is good,

but right nowadays,

hindi na talaga sya sapat.

That's the reason why you have to increase your income sources.

Hindi lang dapat isa,

meron kayong side hustle or side line,

na pwede pa madagdagan ang inyong kita.

Realidad naman to.

Kasi na dagdagan ng income mo,

it's easier to pay for your bills.

Agree?

It's easier to pay off your debt.

And it's easier to increase your savings.

Kasi sa totoo lang,

kahit na gusto mong mag-ipon,

magbayad ka ng utang,

pero pag hindi,

nagdadagdagan ang iyong income,

mahihirapan ka.

So, letter O,

optimize.

Let's go to letter N.

Anong nagagawin natin sa N?

Nurture.

Ano po aalagaan po natin,

ina-nurture natin?

Yung mindsets mo,

at yung habits mo.

I don't know if you believe in this quote

by Ralph Waldo Emerson.

He said,

if you saw a thought,

you reap an act.

When you saw an act,

it becomes your habit.

When you saw your habit,

it becomes your character.

And when you saw your character,

it becomes your destiny.

Give me five minutes with a person.

Makausap ko lang,

kung ano lumalabas sa kanyang uso,

ito ay nanggagaling sa kanyang puso

at nanggagaling kanyang isipan.

Kung ang parating lumalabas negative,

chances are,

yung mindset niya ay negative.

Kaya importante po,

in-nurture po natin

ang ating mindsets.

Ano ba yung ating mindset?

Develop a positive way

and a proactive attitude

in replacing yung mga unhealthy

money mindsets natin

with a good money mindset.

Ano po yung mga unhealthy money mindsets?

Parating sinasabi mo,

wala akong pera.

Bakit mo sasabihin na,

ikaw ay wala kang pera?

Sa matter of fact,

pag sinabi mo na wala kang pera,

ikaw ay nagsinuling.

Bakit?

Pag may piso ka sa bulsa,

may pera ka.

Instead of sabihin mo,

wala kang pera,

magkakapera ako.

Diba?

Bakit kang magkakapera?

Kasi, nagaaral ako,

nagsasideline ako,

naghahanap ako ng pagkakataon.

I associate with successful people.

If you start nurturing

your negative mindset

to a positive mindset,

maniwala ka,

magbabago po

ang iyong perspective sa buhay.

Just like watching this channel.

Ito bang channel na ito

nakakatulong sa inyong money mindset?

Sa pagre-re-program

on how you think as a person.

Kung nakakatulong,

type the word called

nakakatulong sa comment section.

Kaya kakamustahin ko na rin

si Renaline Lariego,

si Dina Domingo,

at si Marjorie Sundiam.

Maraming maraming salamat.

Maayong gabii sa inyong tanan.

Let's go to letter E.

Letter E.

Letter E of money.

Anong gagawin po natin

para ma-change ng ating unhealthy money mindset?

Educate yourself.

Educate yourself.

The more you read,

the more things you will know,

the more you learn,

the more places you will go.

Dr. Seuss.

Grabe.

When you educate yourself

by learning about money,

paano kumita ng pera,

paano humahawak ng pera,

paano magpalago ng pera,

paano magprotekta ng pera,

Grabe.

Gagandang buhay mo.

Gigihawang buhay mo.

Every single day.

Yan ang ginagawa ko.

Hindi lang po ako nagtuturo.

Ako ay nag-aaral.

Bakit? Because I cannot teach what I do not know.

Agree?

Kaya nga, I want to challenge yourself.

Enroll.

Mag-enroll kayo sa mga klases.

Magbasa kayo ng mga libro.

Expose yourself to successful people.

That's what you need to do.

Walang shortcut sa success.

And,

Letter Y on money.

Anong gagawin natin?

Yield.

Anong ibig sabihin ng yield?

Sumuko ka.

Saan tayo susuko?

Yield to patience and discipline.

Alam nyo,

tulay sa tagumpay,

sa pag-uumpisa,

at sa pagtatapos,

ika nga,

sa tagumpay sa buhay,

is what?

Discipline.

Patience and discipline ang kailangan.

Yan ang kulang talaga sa atin.

Sa totoo lang.

Iilan sa inyo ang nag-umpisa na talaga mag-ipon.

Umpisa lang, walang tapos.

Iilan na sa inyo ang nag-umpisa na mag-negosyo.

Anong ginawa?

Noong na-reject lang.

E, nasiraan ng loob.

Tumigil na kayo.

Iilan sa inyo ang nag-start ng bagong karyer.

E, noong ayaw mo lang yung kasama mo,

ay tumigil ka na rin.

Dapat natin ipamalas

ang ating pagiging

matyaga.

Disiplinado.

Huwag tayong,

ika nga, magpapadala sa bungso ng ating damdamin.

If you apply patience,

naghihintay ka,

nagtsatsaga ka,

may disiplin ka.

Nako.

No one can stop you, my friend.

Kaya mga friendship,

para sa mga tao

gusto maka-break free na

sa wrong money habits.

Ano yung word called money?

Monitor po natin.

Ang ating sarili.

Monitor ang ating kita,

gastusin,

at ang ating utang.

O, optimize natin ang ating income.

Mag-create pa tayo ng multiple sources of income.

N, in-nurture natin ang ating pag-iisip.

Alagaan natin, protectan.

E, i-educate natin ang ating sarili.

Para mas marami pa tayong malalaman.

Y, yield.

Saan?

Patience and discipline.

Alam nyo,

pag ginamit nyo itong five steps na ito,

maniwala kayo.

You can break free from any unhealthy money habits.

I'll leave you with this quote by Socrates.

Sinabi niya na napakaganda nito.

Pakinggan nyo na mabuti.

The secret to change is to focus all of your energy,

not on fighting the old one,

but building and replacing with the new one.

Galing, galing, galing mga friendship.

Sana naman, ay, natuto naman kayo.

Pag natuto naman kayo, pakit-type na word code natuto.

Para malaman kung hanggang ending nandito po kayo.

And if you missed the other episode ng Breaking Free series po natin,

huwag kayong mag-alala.

Pumunta na lang sa comment section or sa description section.

Hanapin nyo na po at mag-binge po kayo at tapusin nyo.

Pupusta po ako, kahit di ako sumusugal.

Pagkatapos nyo ng Breaking Free series,

a new you,

the new way of thinking,

will take over your old way of thinking.

Tatandaan, ang tamang karunungan,

ang tamang kaalaman ang susi sa pagliyaman.

Thank you for watching.

If you want to suggest a topic or review

that you would like me to discuss on the next video,

please do comment below para mabasa po namin.

Thank you very much and I'll see you on our next video.

Outro