00:25.0
Gusto mo bang makaipon ng
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Nako, walang sikreto.
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Dito i-reveal ko na sa inyo
00:33.0
kung paano ka makapagsimula
00:34.0
sa tamang pamamaraan.
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Hi there, this is Chinky Tan,
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your Pambansang Wealth Coach.
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Nako, sa episode na ito,
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we are going to talk about
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and I'm going to help you
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on how you can save 60,000 pesos.
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Alam nyo ba tayong mga Pinoy,
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karantalasan ng reklamo natin,
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wala tayong ipon.
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Kasi nga, may liitang kita,
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latas ng gastusin,
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paano ako pa makakaipon?
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Alam mo, masyado tayong,
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parang minsan nag-overthink,
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kaya minsan nahihirapan po tayo.
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Pero nga, sa episode natin na ito,
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I will teach you the step-by-step guide
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kung paano ka makakaipon
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Kahit di mo abutan yan,
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basta makapag-umpisa ka.
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Gusto ko lang sagutin mo
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itong following questions.
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The what, the why, the where, and the how.
01:15.0
The what, the why, the where, and the how.
01:18.0
Kumuha ka ng papela
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at saka ball pens.
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Isulat mo na ito.
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First, write the what.
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What are you saving for?
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It's not for you.
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What are you saving for?
01:31.0
It's not for you.
01:33.0
Hindi, kailangan.
01:34.0
Para saan ka mag-iipon?
01:36.0
Kailangan may goals ka.
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Write down your goals
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kung bakit ka nag-iipon.
01:41.0
Para saan ka nag-iipon?
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pag wala kang goals sa mag-iipon,
01:50.0
General Ipon Fund.
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May pisong duling.
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How many times na experience mo
02:00.0
pagka general fund po siya,
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O, may bagong travel
02:07.0
Pero pag sinet mo talaga
02:08.0
specifically ang goal,
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like for example,
02:11.0
nagsiset ako ng ipon goal ko
02:12.0
for my emergency fund
02:14.0
dahil wala pang emergency fund.
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So, hindi mo pwedeng galawin
02:18.0
kasi sineset mo yun
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for a specific purpose
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and goal in mind.
02:23.0
punta ka ng ways,
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naglagay ka ng ways
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na wala kang destination.
02:27.0
Hindi ka makarating
02:28.0
sa iyong panggagalingan.
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ang inyong purpose.
02:35.0
What are you saving for?
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That's number one.
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napaghahataan talaga
02:54.0
how to ask the question,
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Why are you saving money?
02:58.0
Alamin mo yung bakit.
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if you know the why part in life,
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the how part will take care of itself.
03:03.0
Why will give you the motivation,
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bakit ko gusto talaga makaipon
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ever since I was young?
03:14.0
Gusto ko talaga makaipon
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para magkaroon ako ng puhunan.
03:17.0
Gusto ko magkaroon ng puhunan
03:18.0
para ako ay makapag-negosyo.
03:20.0
Bakit ko gusto magkaroon ng negosyo?
03:23.0
para kumita ako ng marami
03:24.0
at maging milyonaryo ako.
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Two reasons lang.
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I do not want my children to experience
03:30.0
what I've experienced
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when I was young.
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I do not want my parents
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Mahirap na maging mahirap.
03:37.0
Iba ang tingin sa'yo ng tao
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pag wala kang pera.
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pag wala kang ipon.
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Ang hihirap niyan,
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lalo na kung nagkaroon ka ng emergency,
03:45.0
tapos kailangan may pang-ospital.
03:47.0
Pupunta ka sa kamag-anak mo.
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At may mga ibang kamag-anak mo
03:51.0
Alam niyo ang I-poor?
03:54.0
Ang daming kasasabihin bago ka pa
03:59.0
Saan mo ilalagay ang ipon mo?
04:01.0
Ilalagay mo ba sa bangko?
04:02.0
Meron ka bang secret na panlagay?
04:06.0
Eh, karamihan po sa aming mga iponaryo,
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ang ginagamit namin
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is this ipon box.
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Dito namin nilalagay.
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Hindi panghabang buhay.
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Dito nilalagay ang bariya.
04:15.0
Dito naman po ang perang papel.
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Dito naman po ang ginagamit namin
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na 60,000 ipon challenge.
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Dito na invisible 20, 50, 100, 200.
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Pag nabuo mo yan, may 60,000 ka.
04:27.0
Ang kagandahan din dito
04:28.0
may start date, end date,
04:30.0
at again, the what?
04:32.0
Para, saan ka nag-iipon?
04:34.0
And you can use this two times.
04:36.0
Dito naman po ang student edition.
04:38.0
Kung mapapansin niyo,
04:39.0
wala siyang numero
04:41.0
para open-ended po siya.
04:43.0
So, if you're interested
04:46.0
nasa link na lang sa comment section below.
04:50.0
Yan ang datanong mo.
04:51.0
Saan may lalagay?
04:52.0
Pero, bago tayo magpatuloy,
04:53.0
babatiin muna natin si Mark John,
04:56.0
Arnel Adan, single.
04:57.0
At si Groh, 1718.
05:00.0
Uy guys, bago tayo magpatuloy,
05:01.0
are you learning?
05:02.0
Pakitype tayo yung word na learning.
05:05.0
And last is the how part.
05:08.0
Bibigyan ko po kayo ng ideas
05:09.0
kung paano talaga tayo makakaipon
05:13.0
Embrace side hustle.
05:15.0
As much as we want to manage,
05:16.0
magtipid tayo ng pera.
05:18.0
Pero, ang pagtitipid ng pera
05:21.0
Pero, ang increase ng income,
05:23.0
pag ikaw ay nag-increase,
05:24.0
walang limit yan.
05:26.0
tanungin mo sarili mo,
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anong pwede mong gawin
05:28.0
aside from your current income
05:29.0
parang madagdaga na yan yung income?
05:31.0
Pwede ka magiging reseller.
05:32.0
Pwede ka magiging isang affiliate marketer.
05:34.0
Pwede ka magiging isang work from home.
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Pwede ka magiging isang freelancer.
05:36.0
Kung ano ang alam mo,
05:43.0
Please don't give me excuses.
05:44.0
Huwag ka namang bigyan ng excuse.
05:46.0
Wala akong ano eh.
05:47.0
There are two things that you can make in life.
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You can either make money
05:49.0
or you can make excuses.
05:52.0
Hindi naman kita pipilitin eh.
05:53.0
Ultimately, it's your life.
05:55.0
Ang pwede mo rin gawin
05:56.0
is magbawas ng gastusin.
05:59.0
I always tell people,
06:01.0
is money additionally earned.
06:03.0
Ang perang hindi mo ginastos
06:04.0
ay dagdag-ipon mo.
06:05.0
Like for example,
06:06.0
kung talagang kapos na kapos ka talaga,
06:09.0
wala mo ng travel fund.
06:10.0
Kung may travel ka na
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20,000 or 50,000 in a year,
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ang tatabi mo na yung travel fund mo,
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ilalagay mo na sa ipon mo.
06:17.0
Kasi ang priority mo,
06:18.0
kasi gusto mo magkaroon ng emergency fund
06:20.0
bago ka magkaroon ng travel fund.
06:21.0
Again, uulitin ko.
06:23.0
Two ways to do it.
06:24.0
Bawasan mo yung gastos,
06:25.0
dagdagan mo yung income
06:26.0
para madagdagan mo yung ipon mo.
06:28.0
Pag binawasan mo yung gastos mo,
06:32.0
Pero pag dinagdagan mo yung income mo,
06:34.0
walang limit yan.
06:35.0
Kaya it's up to you to choose
06:37.0
anong gusto mo diskarta.
06:41.0
Pag nadagdagan ang income mo,
06:43.0
ngayon, alam mo na sa in mo ilalagay.
06:45.0
Number two, alam mo na yung dahilan mo
06:47.0
kung bakit ka nag-iipon.
06:48.0
And number three,
06:49.0
alam mo na ang diskarte mo
06:51.0
kung paano ka mag-iipon
06:54.0
as I end this session,
06:55.0
tatanungin ko po sa inyo.
06:56.0
Sulat mo na ang what mo
06:58.0
para saan ka nag-iipon.
07:02.0
Bakit ka nag-iipon?
07:03.0
Para saan ka babubabangon?
07:06.0
saan mo ilalagay ang ipon mo?
07:09.0
ano ang diskarte mo
07:10.0
para ikaw ay maka-ipon
07:14.0
bago matapos ang taon?
07:18.0
sa session natin na ito.
07:19.0
Kung gusto mo pang malaman,
07:22.0
Kung paano ka makaka-ipon pa more,
07:24.0
eh, syempre naman,
07:25.0
don't forget to subscribe
07:27.0
Kung nagusto mo mo
07:28.0
itong content na ito,
07:29.0
please do me a favor.
07:30.0
I-share po natin itong video na ito
07:32.0
sa mas marami pang tao
07:33.0
para mas marami pa pong
07:37.0
tamang karunungan,
07:38.0
tamang disiplina po
07:39.0
ang susi sa pagyaman.
