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00:00.0
Friendship. Na-experience mo na magkaroon ng financial stress.
00:05.0
Yung sobrang dami mong naiisip.
00:08.0
May problema ka sa pera,
00:10.0
bills, utang, amortization,
00:12.0
at marami pang iba.
00:13.0
Kung ikaw ay nakakaranas yan,
00:15.0
this is the episode for you.
00:24.0
Hi there! This is Chinky Tan, your Pambansang Wealth Coach.
00:28.0
Super excited ako sa session na ito.
00:29.0
Pag-usapan natin, financial stress!
00:31.0
Sino sa inyo mga financial stress?
00:34.0
Pakita ka sa mga kamay, why?
00:40.0
No one is spared from financial stress.
00:42.0
In reality, the bigger you earn,
00:44.0
the bigger is your financial stress.
00:47.0
ang financial stress,
00:48.0
hindi maganda talaga na dudulit po sa atin.
00:50.0
Number one, nag-o-overeat tayo minsan.
00:53.0
Nag-o-oversleep po tayo
00:54.0
or under-sleep po tayo.
00:56.0
So, in other words,
00:57.0
physical, mental, and emotional toil po
00:59.0
ay hindi maganda.
01:00.0
And probably, oo.
01:01.0
Bakit ka ba nagkakaroon ng financial stress?
01:04.0
Ito, tatanungin kita.
01:05.0
I want you to put in the comment section,
01:07.0
kung ano yung dahilan.
01:08.0
Kung hindi ka makalagay,
01:09.0
probably, makarelate ka.
01:10.0
Some people have a financial stress
01:12.0
because hindi nakapaghanda
01:14.0
ng pang tinatawang ng emergency fund.
01:16.0
Ano pong nangyari
01:17.0
nung nawalan po ng trabaho,
01:21.0
Siyempre, walang spare.
01:23.0
Emergency fund, so anong nangyari?
01:24.0
Napilit ka ng manggutang.
01:26.0
At pag nanggutang ka,
01:27.0
wala kang choice.
01:28.0
You have to borrow from higher interest.
01:32.0
automatically, you charge it to your credit card.
01:34.0
Una, hindi mo mararamdaman yan eh.
01:36.0
Kasi, at the back of your mind,
01:38.0
anyway, may swelde naman ako pambayad.
01:40.0
Pero nga, nag-over ka na,
01:42.0
charge ka na sa credit card,
01:43.0
na-realize mo na,
01:44.0
hindi mo na kayang bayaran talaga yung credit card.
01:47.0
So, nagpatong-patong na po,
01:48.0
at nagkakaroon na po
01:49.0
ng malaking interest.
01:51.0
ang interest ngayon.
01:53.0
And the reality also,
01:55.0
ba't ka nagkaroon ng financial stress
01:57.0
because of unforeseen circumstances,
02:01.0
may nasirang appliances,
02:02.0
nabangga ang sasakyan,
02:03.0
natumatay ang bateryan,
02:04.0
may nagkasakit sa bahay at naospital.
02:06.0
So, if you look at this,
02:08.0
if you look at this,
02:10.0
karamihan po ng financial stress,
02:13.0
it's because of the lack of preparation.
02:18.0
Yung emergency fund na pinag-uusapan po natin.
02:22.0
na parati kong in-encourage,
02:24.0
if you've been watching this channel
02:26.0
for the longest time.
02:27.0
I've been encouraging people to prepare
02:29.0
for the sake of emergency
02:31.0
and in case of emergency.
02:32.0
It's not a matter of if,
02:34.0
it's a matter of when.
02:35.0
Hindi yung pinag-uusapan natin kung mangyayari yan.
02:37.0
Ang pinag-uusapan natin,
02:38.0
kung kailang mangyayari yan.
02:41.0
habang sinasabi ko yan,
02:42.0
bumabatil ka naman,
02:44.0
late nga nang kita ko eh.
02:45.0
Wala nga ang Apo ni...
02:50.0
Alam mo, ito lang kapatid,
02:54.0
paraan kung ayaw maraming ano.
02:58.0
Alam nyo na yan, diba?
02:59.0
Kailangan, ano eh,
03:00.0
maging proactive po tayo.
03:03.0
ano pong kailangan natin gawin?
03:05.0
Honestly, ito na po.
03:06.0
Para once and for all,
03:08.0
kung gusto nyo lang,
03:09.0
kung gusto nyo lang magbawasan
03:11.0
ang inyong financial stress,
03:13.0
this is my suggestion.
03:15.0
sikapin po natin.
03:16.0
Sikapin po natin mag-ipon.
03:19.0
Anong pag-iipon na na natin?
03:24.0
At ano yung challenge ko?
03:25.0
I want to challenge you to the 60,000 ipon challenge.
03:28.0
So, gamitin mo na itong ipon box.
03:38.0
Itong ipon box na ito.
03:39.0
Start mo na tayo sa 20 pesos.
03:44.0
So, shadean mo muna itong 20 pesos.
03:46.0
Pag nabuo mo yan, may 1,000 ka.
03:48.0
At pagkatapos yan,
03:51.0
Di ba? May 2,500 ka.
03:52.0
Ang kagandahan po dito,
03:57.0
Para hindi mo magamit sa ibang pamaraan.
03:59.0
Tapos, start date, end date.
04:00.0
Tapos, ang kagandahan dito,
04:02.0
pag nabuo mo itong 1,000,
04:04.0
ay, kaya ko pala.
04:05.0
Then, puna kang 2,500.
04:06.0
Ay, kaya ko pala.
04:08.0
And then, palaki ng palaki.
04:10.0
Palaki ng palaki.
04:11.0
Ay, kaya ko pala.
04:12.0
And the good news is,
04:13.0
you can use this two times.
04:14.0
Dalawang beses mo siyang magagamit.
04:16.0
So, pag napuno mo na itong ipon box na ito,
04:19.0
itabi mo na as emergency fund mo.
04:22.0
Eh, Chinky, saan ako kukuha ng pang-ipon?
04:26.0
Itong suggestion ko sa'yo.
04:28.0
Bawas dagdag tayo, ha?
04:29.0
Bawas dagdag method.
04:31.0
Bawasan ang mga unnecessary gastos.
04:33.0
So, kung kanyari, kumakain ka sa labas,
04:34.0
kasama mo yung pamilya mo,
04:36.0
O, di ba? Once a week, 1,000.
04:38.0
O, gawin mo four times in a month,
04:40.0
12 months, 48,000 in a year.
04:42.0
Instead of eating four times sa labas,
04:44.0
two times na lang.
04:45.0
So, two times times 12, 24,000.
04:48.0
Dating 48 ngayon, 12, 24,000.
04:51.0
So, naka-save ka ng 24,000 pesos.
04:53.0
Saan mo ilalagay yan?
04:57.0
Ah, di ba, di ba, di ba, di ba?
04:59.0
And then number two,
05:02.0
Anong gagawin natin?
05:04.0
Wala, hanap ka talaga ng gig
05:05.0
for additional income.
05:07.0
Or if not naman po,
05:08.0
maghanap ka ng mga opportunity
05:10.0
that can really increase your skills
05:13.0
para tumaas ang sweldo mo.
05:15.0
mag-online selling ka.
05:17.0
mag-affiliate marketing ka.
05:19.0
Andami na po talagang opportunity na ngayon,
05:21.0
kaya maghanap na po tayo
05:23.0
ng additional income.
05:25.0
meron nga ako isang nag-guest na isang
05:27.0
na proud, proud, na proud ako.
05:28.0
Nag-guest po namin sa show na mag-budget tayo
05:32.0
sa halagang 150 pesos.
05:33.0
She turned her 150,000 pesos
05:36.0
she's making 100,000 pesos a month.
05:40.0
Anong ginagawa niya?
05:41.0
Anong binenta niya?
05:46.0
from apat na linera,
05:47.0
naging walo, naging walo,
05:50.0
I think thousands of linera
05:51.0
na lumanabas na leche flan
05:53.0
na galing sa kanya.
05:54.0
And then, my suggestion to you is this,
05:56.0
once you have already achieved
05:58.0
your emergency fund,
05:59.0
huwag na huwag mong gagawin
06:02.0
ang iyong emergency fund.
06:05.0
para sa mga taong
06:06.0
gustong makalaya talaga
06:08.0
sa financial stress,
06:11.0
mag-save ka ng emergency fund
06:14.0
At least 3 to 6 months.
06:17.0
you lose your job,
06:18.0
you have 3 to 6 months of living expense
06:21.0
so, parang hindi ka may stress,
06:25.0
ang hirap talaga.
06:27.0
Talaga, pag wala ka talagang
06:38.0
paikot-ikot lang.
06:39.0
At ayokong ma-financially stress ka,
06:41.0
kaya para sa mga friendship na ayaw
06:43.0
ma-financial stress,
06:45.0
mag-start na kayo sa
06:47.0
60,000 Ipon Challenge.
06:49.0
At kung gusto nyong malaman,
06:51.0
sa anyong ikangain,
06:52.0
kung gusto nyong makakuha
06:53.0
ng ipon box niyan,
06:55.0
i-checkout nyo na lang sa Basket,
06:57.0
i-checkout nyo na lang sa Link,
06:58.0
or napin nyo sa Lazada,
07:02.0
nakatulong po ako sa inyo,
07:03.0
mga taong financial stress,
07:06.0
tamang karunungan,
07:07.0
tamang disiplina po,
07:08.0
ang susi sa pag-iyaman.
