#UsapangPera: Mga Tips sa Pagyaman with Sir Vince tackles money issues such as savings, loans, budgeting, and investing among others. Visit Sir VInce's website: www.vincerapisura.com. How to join SEDPI Coop: 1. Join SEDPI Foundation at bit.ly/SEDPIOnlineSRI by clicking “Register” and filling out the form 2. Take the online Pre-Membership Education Seminar (PMES) at bit.ly/SEDPICoopPMES 3. Pay membership fee and initial share capital Simulan ang pagiinvest the socially responsible way sa: bit.ly/SEDPIOnlineSRI Pag-IBIG MP2: * Watch the play list: https://www.youtube.com/playlist?list... SSS Retirement: Watch the playlist https://www.youtube.com/playlist?list... How to invest 100K: https://youtu.be/dxHRZn7uP-4 Celebrity guests include venus Raj (Season 1); Nicole Cordovez and Sinon Loresca (Season 2); Atom Araullo (Season 3) and Porky (Season 4). Smart Parenting Board of Expert

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Congratulate yourself kapag nagamit mo ang emergency savings mo sa panahon ng emergency.

Kung paano itong mababawi, watch this.

Sir Vince, tinatanong din tayo kapag nagamit naman yung emergency savings para sa emergency, di ba?

Paano naman makakapabawi o makakapabawid muli sa pagsisaving?

Correct, di ba? Nakakasamaan mo talaga ng loob na parang magagalawin mo yung emergency savings mo.

Ito ang pinakagusto ko talaga na sabihin sa inyo ay congratulations kapag nagamit mo ang inyong emergency savings.

Kasi itig sabihin, hindi kayo nangutang.

Nagamit na tamang purpose.

Yes. Nakamarami ang mga kilalang ganyan, ano?

Pero puminsan naman ang ginagawan ay inaabangan na yung emergency savings.

So, pwede ba ito? Okay na ba?

Tapos kahit hindi nila emergency, ginagamit sa emergency naman ng iba.

So, make sure na yung emergency savings ninyo ay para sa mga nakadesignate na mga emergencies.

So, isulat nyo na ano yung mga pupwede.

Pag nangyari yung ano, may nangihihisa nyo, wala sa listakan.

Doon yung kilalang, doon yung bibibigay nyo.

So, first is congratulations, hindi ka nangutang.

The emergency savings serve its purpose.

Okay? So, kapapaano mo i-replenish yan?

So, agad-agad ay balikan mo siya, ay isauling mo siya kapag nag-stabilize ka na financially.

Huwag naman yung nanatapas sa kabila palagat naan.

Pinahihirapan mo naman masyado yung sarili mo.

So, kailangan makabangang ka rin.

Tapos habulin mo yung savings.

At ang pinakamabilis na paraan para magawa yan talaga ay na mag-replenish ka

is to find extra sources of income.

Kasi tayo mismo, no?

We're taking time-stopping na parang tatlo, apat, lima kung isan

source of income yung ating ginagawa.

True.

Tapos yun.

Tapos ang gagawin din natin dyan ay

ang pinaka-emergencies kasi ang talagang dapat na

nag-address dyan ay insurance.

So, tayo, ang nangyayari ay kapag mayroon tayong emergencies,

emergency savings muna yung ginagamit namin.

And then, after that, i-claim namin sa insurance.

Tapos pag na-claim ka sa insurance,

i-replenish yung emergency savings.

At sa karaniwang experience po namin,

Buwan lang yung naabot.

Buwan lang yung naabot.

Kaya oh, sumusobra yung amount.

Dumarating naman.

Dumarating at sumusobra yung amount na nakukuha.

So, more yung nabibigay na replenishment doon.

Okay?

Save and invest as much as you can.

Yan ang ating golden rule.

Yes.

So, save and invest as much as you can.

So, this is the second part,

second point for our guides sa mga Gen Z

kung paano sila mag-create ng kanilang retirement fund.

So, i-follow natin yung 515-2060 budgeting rule

to be able to do this.

Para magka savings at magka pag-invest,

maayos mo yung budgeting.

Para mayroon kang ma-save at ma-invest.

So, ito yung rule ng 515-2060.

Maximum 5% of your income for insurance.

For insurance payments, yes.

Maximum, ha?

Ano yung ibig sabihin ng maximum?

Ibig sabihin yung hindi napat lumalapas.

Because if you...

Ayan.

If you're overspending on insurance.

Kasi dapat yung insurance, guys,

mura lang at affordable.

Kaya huwag tayo kukuha ng mga insurance

na may kumakasama mo ano-ano.

Ang kailangan lang natin ay yung protection part niya.

Okay?

And then, minimum 15% mag-save tayo.

Kasi nga, di ba?

Save and invest as much as you can.

So, kung kaya palakihin yung percentage,

yes.

Gawin mo.

Kaya minimum 20% then for investments.

And maximum 60% for expenses.

Okay?

So, yun yung ating budgeting rule.

Handa ka na bang lumevel up sa savings mo?

Join the SEDPICA Social Community

and get started to be a social investor today.

Step 1.

Umattend ng self-paced online pre-membership education seminar.

Mag-sign up sa bit.ly slash sedpicooppmes now na!

Step 2.

I-deposit ang iyong initial share capital,

membership fee,

at joint venture savings sa Gcash,

BDO Online Banking,

BPI Online Banking,

Maya, EasyPay,

or Direct Bank Deposit.

Daming options, di ba?

Sundin ang simple instructions sa bit.ly slash sedpipay

para makapagsimula.

Step 3.

Mag-login sa iyong SEDP SRI online account

at ipaalam ang inyong deposit.

Go to bit.ly slash sedpionlinesri

at kami na ang bahala sayo.

Ano pang inihintay mo?

Sali na sa SEDPICA Sosyo ngayon

and let's start building a brighter financial future together.