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00:00.0
Pag nilapitan mo yung tao, madja-judge ka na at the same time,
00:03.5
marireject ka na.
00:06.0
Galit ako parati, inis ako parati.
00:08.0
Hindi ako pwedeng makausap ng maayos,
00:10.0
dahil nga, I was really irritated.
00:20.0
Friend, may tanong lang po ako sa iyo.
00:22.0
Nahirapan ka ba sa current financial situation mo?
00:26.0
At kulang ka talaga sa budget?
00:27.5
Huwag kang magalala.
00:28.5
In this episode, isishare ko sa iyo
00:30.5
how I was able to personally overcome my financial challenges.
00:34.5
Hi there! This is Chinki Tanan, your Pambansang World Coach.
00:37.5
Thank you very much for watching and tuning in this episode.
00:41.5
Sa episode po natin, gusto ko naman maging magpakatoto.
00:45.5
Alam nyo ba, once in my lifetime also,
00:47.5
ako may pinagdaanan din ng matinding problema pagdating sa pera.
00:51.5
At isishare ko po sa iyo,
00:52.5
papakita ko po sa inyo kung paano ko to nalagpasad.
00:57.5
At anong diskate ko?
00:58.5
Pero bago ko ikwento po yan,
01:00.5
isishare ko naman muna sa inyo,
01:02.5
ano naman kapal pa ka na ginawa ko?
01:04.5
During that time,
01:06.5
nung ako po ay nag-e-struggle pa.
01:08.5
Eh syempre, pag nag-e-struggle ka,
01:10.5
una, pag feeling mo na walang tutulong sa iyo,
01:13.5
at feeling mo, pagka nilapitan mo yung tao,
01:15.5
maja-judge ka na at the same time,
01:17.5
marereject ka na.
01:18.5
So, in other words,
01:19.5
hindi po ako nakikipag-usap sa mga tao.
01:22.5
Hindi ako humingi ng tulong.
01:24.5
And narealize kong mali.
01:25.5
And then number two,
01:26.5
umiiwas din ako sa problema.
01:29.5
at pag dumating na talaga,
01:31.5
pag sinisingil na ako,
01:32.5
doon ako na-estress.
01:33.5
And then I was reacting really emotionally,
01:36.5
galit ako parate,
01:38.5
hindi ako pwedeng makausap ng maayos,
01:40.5
dahil nga I was really irritated.
01:42.5
So, ito yung mga narealize ko ng mga kapal pa ka na ginawa ko
01:45.5
during the time when I was financially drained.
01:48.5
Kaya nga, what I realized is this.
01:51.5
avoiding my problem will worsen my financial situation.
01:55.5
Dahil hindi ito talaga nakatulong.
01:57.5
as a matter of fact,
01:58.5
kung bakit rin ako nakalabas,
01:59.5
dahil may mga taong nakatulong din po sa akin,
02:02.5
pag humingi ka pala ng tulong,
02:03.5
hindi pala ito kahinaan.
02:05.5
Ito po ay katapangan.
02:07.5
Nagkakaroon ka ng lakas na loob.
02:09.5
At the same time,
02:10.5
aminin kung ano talaga ang problema mo.
02:13.5
yun din ang realize ko.
02:14.5
Pagka-emotionally upset ka,
02:16.5
kung emotionally drained ka,
02:17.5
and financially drained,
02:18.5
90% of the decision that you are going to make
02:21.5
is going to be a wrong one,
02:22.5
and you're going to regret it for the rest of your life.
02:25.5
Which I also made some mistake.
02:27.5
Naghanap ako ng madali ang kita.
02:29.5
Imbis na pumita ako,
02:30.5
lalo pa akong nalugmuk,
02:31.5
at lalo pa akong nalugi.
02:33.5
ano ba ang ginawa ko?
02:35.5
Para sa mga taong may pinagdadaanan
02:37.5
at nakaka-relate kayo sa sitwasyon ko,
02:39.5
the first thing I did was,
02:42.5
I talked to someone.
02:43.5
I talked to my mentor, si Francis Kong.
02:45.5
Noong kinausap ko siya,
02:48.5
about my real financial situation.
02:51.5
I was expecting napapagalitan ako,
02:53.5
pagsasabihan ako.
02:55.5
It's the entire opposite.
02:56.5
Hindi niya ako pinagalitan,
02:57.5
hindi niya ako pinagsabihan.
02:59.5
Nakidalamhati siya.
03:01.5
Hindi naman siya nagbigay ng pera,
03:02.5
di ko siya inutangan.
03:04.5
kinausap niya ako,
03:05.5
at he spoke some sense to me,
03:07.5
and he encouraged me that
03:09.5
I'm making the right decision
03:11.5
to come to him and talk to him.
03:12.5
That's number one.
03:14.5
he asked me to write down
03:16.5
all of my financial concerns
03:18.5
on a piece of paper.
03:19.5
Yan ang pangalawang pinagawa sa akin.
03:21.5
So, sinulat ko po lahat,
03:22.5
ang lahat ng mga problema ko
03:24.5
pagdating sa pera,
03:25.5
o kay mga utang ko
03:26.5
pagdating sa pera.
03:28.5
the next thing that he asked me to do was this.
03:30.5
It was to write at least three solutions
03:33.5
to every problem.
03:34.5
Kung may problema ko sa utang,
03:36.5
o ano kailangan tatlong solusyon,
03:37.5
o tatlong diskarte.
03:38.5
Kung may problema ako sa kita,
03:39.5
anong dapat kong tatlong diskarte.
03:41.5
So, pinasulat niya sa akin.
03:43.5
And one thing that I discovered was this.
03:45.5
Ito yung na-discover ko.
03:46.5
Sana, sulat niyo to.
03:49.5
pwede kang magtipid,
03:50.5
pwede kang mag-budget,
03:51.5
pero ang pagbabudget
03:52.5
at pagtitipid mo,
03:53.5
may hangganan yan.
03:55.5
hindi mo pwedeng tanggalin
03:57.5
hindi mo pwedeng tanggalin
03:59.5
may anak pa ako during the time,
04:00.5
hindi mo pwedeng pagtanggal
04:02.5
So, ang solusyon,
04:03.5
aside from pagtitipid,
04:04.5
is kailangan kumita ka.
04:07.5
how to earn more money.
04:09.5
And that is what basically I did.
04:13.5
pinag-aaralan ko talaga
04:14.5
kung paano kumita ng pera.
04:17.5
to cut the long story short,
04:18.5
paano ako nakalabas
04:19.5
sa financial challenges ko,
04:21.5
I was able to find an opportunity.
04:24.5
Basically, this is what happened.
04:26.5
Last 300 pesos na lang.
04:27.5
300 pesos na lang ang pera ko.
04:29.5
Pumunta ko ng National Bookstore.
04:30.5
Bumili ako ng isang libro.
04:31.5
Nung binasa ko yung librong yun,
04:33.5
nakakuha ko ng isang magandang idea
04:37.5
ginawang ko ng negosyo,
04:39.5
and the following year,
04:40.5
I made over a million pesos profit
04:43.5
based on that book.
04:44.5
Not for one year,
04:45.5
but actually for a few months.
04:47.5
And because of that one million pesos
04:52.5
Nabayaran ko utang ko,
04:53.5
dumuwag ulit yung finances ko.
04:55.5
So, in other words,
04:56.5
bumalik po ang aking wisyo
04:58.5
at natanggal po ang aking financial stress.
05:03.5
Nag-build na ako ulit ng emergency fund.
05:06.5
lumaki na lumaki na ulit ang income ko.
05:08.5
I turn my setbacks
05:10.5
into learning opportunities.
05:12.5
And I develop resilience and confidence
05:14.5
through these times of challenges.
05:16.5
Kaya nga mga friendship,
05:17.5
kung ikaw may pinagdadaanan ka ngayon
05:21.5
nakaka-relate ako sa sitwasyon mo.
05:22.5
Dapang-dapa ako ngayon.
05:24.5
Naubos ang pera ko.
05:25.5
Nalugi ang negosyo ko.
05:28.5
Di ko alam paano ako mag-uumpisa.
05:30.5
Eto, sabihin ko sa'yo.
05:33.5
huwag mo na gawin yung mga pagkakamali ko.
05:34.5
Ano yung pagkakamali ko?
05:35.5
Iniwas ako yung problema.
05:37.5
hindi ako nakipag-usap sa tao.
05:39.5
lahat ng disisyon ko,
05:41.5
Kaya kung gusto nyo maayos yan talaga,
05:43.5
makipag-usap ka sa isang tao.
05:46.5
ang kailangan mo talaga,
05:48.5
Humingi ka talaga ng tulong
05:51.5
you are really in great financial challenges.
05:54.5
That's the reason why
05:55.5
I just want to challenge you right now.
05:56.5
If you're going through financial challenges
05:58.5
at wala ka makausap,
05:59.5
if you want to reach out to me personally,
06:02.5
idm nyo na lang ako
06:03.5
o i-message nyo na lang ako,
06:05.5
i-private message nyo ako.
06:06.5
If I can help you in any other way,
06:09.5
hindi lang ako magpapa-utang ha,
06:10.5
but if I can give you financial advice,
06:12.5
which Francis Cong did for me,
06:14.5
I would really appreciate it.
06:16.5
Kaya nga para sa mga taong nakikinig ngayon,
06:18.5
at you are interested to be part of my community,
06:21.5
please join my Team Iponaryo Community.
06:24.5
Doon na tayo magkita-kita
06:25.5
sa Team Iponaryo Community
06:26.5
sa Facebook page ko.
06:27.5
Mag-join po kayo doon,
06:28.5
mag-message kayo doon
06:30.5
kung may mga concern kayo
06:31.5
and I would happy to help you.
06:33.5
If you liked this episode
06:34.5
and if this episode ministered to you,
06:36.5
please, please, please,
06:38.5
don't forget to share this video
06:40.5
with some of your friends
06:41.5
who's struggling financially.
06:43.5
makarelate sa akin,
06:45.5
at the same time,
06:46.5
makalabas din tulad ko.
06:48.5
tamang karunungan,
06:49.5
tamang disiplina po
06:50.5
ang susi sa pag-iyaman.
