Vince Rapisura 2451: Hirap mag-save ng 15% for saving. Paano ba?
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00:00.0
15% of your income ang dapat inilalaan mo for emergency savings.
00:05.0
Ang 20% for investments.
00:08.0
Kung wala ka pa sa level na yan, ito ang mga dapat mong gawin.
00:12.5
Naitirapan daw mag-save yung 15% at makapag-invest ng 20%.
00:16.8
Kaya sabi natin kung kailan mo na dagdagan, dagdagan pa.
00:19.5
E naitirapan daw. Ano ang pwedeng gawin?
00:21.5
Correct. Ano nga ba dapat ang pwedeng gawin?
00:23.5
Ano ba yan? 15-20% agad-agad.
00:25.5
And then as you build your habit, you can increase.
00:29.5
Parang sa gin, the intent investing habit.
00:32.5
So the key to start, no matter how small, and then slowly build up.
00:37.5
Tapos bigla na lang, I will save 50% of my savings.
00:41.5
Mayayari yung service.
00:42.5
At mayayari ka rin yung warranty.
00:43.5
So, alam mo, kasi parang ah, hirap naman pala, diba?
00:46.5
Increase your income or lessen your expenses.
00:51.5
Pero like kasi, mas madali sa kanya.
00:53.5
Lessen your expenses.
00:55.5
If you can scrimp on something, good bargain, that builds happiness.
01:01.5
Kaya, opposite attract pala.
01:06.5
Ito ni Edwin no, ang inspiring about realistic life, kaya siyang gawin at an early age.
01:12.5
Kasi tayo ba, kailan tayo naging financially retired?
01:17.5
Okay, sige. 24. Sige.
01:19.5
Sa 20 po, awa 45 tayo ngayon.
01:23.5
So, that's about 7 years, diba?
01:26.5
7 years din namin siya na pinaghirapan.
01:29.5
Ang vision na maging kaming Thai food or Thai pan, diba?
01:36.5
Actually, more comfortable than normal.
01:42.5
We found, parang ako, ang mas naging mahalaga na ay,
01:47.5
how can I be of service to others?
01:52.5
Kasi sabi ko, pwede rin nating lower yung wish para makatulong sa iba.
01:56.5
And, napakagagal na ating golden rule.
02:00.5
Save and invest as much as you can.
02:02.5
So, this is the second 15-20-16 budgeting rule to be able to do this, no?
02:07.5
Para magka-5% of your income for insurance.
02:12.5
For insurance payments, yes.
02:14.5
Ano ang ibig sabihin ng magmaximum?
02:15.5
Ibig sabihin, for the whole, ha?
02:17.5
Kaya, wag tayo kung kuha ng mga insurance na may mga kasama mo, ano-ano.
02:20.5
Ang kailangan lang natin ay yung protection part niya.
02:25.5
And then, minimum, 15% mag-save.
02:28.5
Bakit rin yung percentage?
02:32.5
Kaya, minimum 20% din for investments.
02:35.5
And, maximum 60% for expenses.
02:40.5
Level up sa savings mo.
02:45.5
Idiplang simple instructions sa bit.ly slash sedppay para makapagsimula.
02:52.5
Ano pang inihintay mo?
02:54.5
Sali na sa Sedppay kasosyo ngayon and let's start building a brighter financial future together.
