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00:00.0
Bakit parating kapos, walang ipon, at lubog sa utang?
00:08.1
Ginagawa mo itong 10 bad money habits that make us broke.
00:11.9
At kung gusto mo malaman kung ginagawa mo ito, you got to watch this video.
00:16.3
Videos that will make you wealthy and debt-free.
00:22.3
Hi there, there's Shrinky Tan, your Pambansang World Coach.
00:25.9
Sa session natin na ito, we are going to check.
00:28.5
Magkakaroon tayo ng pagkatao, check.
00:30.3
Magkakaroon tayo ng money, check.
00:31.6
Magkakaroon tayo ng evaluation, check.
00:33.1
Check, check, check, check natin.
00:34.6
Kung meron ba tayong mga bad money habits na talagang that leads us to financial stress.
00:40.2
And I want you to keep score, please.
00:41.8
Keep score how many points you score from 1 out of 10.
00:47.4
Okay, tapusin mo itong video na ito kasi tutulungan kita kung paano mag-evaluate.
00:51.2
Number 1 bad money habit that make us broke and poor.
00:54.8
Lubog sa utang at financial stress, number 1.
00:57.7
Neglecting savings for important things.
01:03.0
Ang ibig sabihin po niyan, hindi ka nag-iipon para sa mga mahalagang bagay.
01:06.7
Nag-iipon ka para sa mga gusto mong bagay pero hindi ka nag-iipon para sa mga mahalagang bagay.
01:12.8
Nag-iipon ka para kumain sa labas.
01:14.9
Nag-iipon ka para bumili ng bagong cellphone.
01:16.9
Nag-iipon ka para sa matravel.
01:18.2
Good chance, good chance.
01:19.5
Pero ang tanong, nag-iipon ka ba para sa edukasyon ng anak mo?
01:23.5
Para sa panganganak ng misis mo?
01:26.0
Nag-iipon ka ba para sa mga insurance?
01:29.0
Bigla na lang lumapit ang isang empleyado sa akin.
01:31.3
Boss, emergency, emergency.
01:32.8
Kailangan ko ng utang.
01:35.5
Kasi, panganganak ng misis ko.
01:39.0
Kailan ba na buntis misis mo kahapon?
01:41.0
9 months yan, 9 months.
01:43.5
Eh, nagmagaso sa mga ibang bagay pero hindi na ganda for important things.
01:49.7
Overspending on occasions.
01:52.0
Siyempre, paano naman yung birthday?
02:00.5
Yung sobrang magarbong party nao, pulo bilater.
02:04.0
Magarbong kasal nao, pulo bilater.
02:06.0
Di ko talaga magets minsan, no?
02:08.5
Again, walang masama kung magpaparty ka.
02:10.5
Pero kung uutangin mo yung pera para makapagparty ka, may problema po tayo.
02:14.5
Kasi, bakit ba nating ginagawa yan?
02:16.5
Guilty ka ba in the sense na para walang lang masabi yung mga kamag-anak at kaibigan mo?
02:21.0
Eh, kailangan gagasos ka para hindi ka lang mapahiya?
02:24.5
That's number two.
02:25.5
Check mo lang, ha?
02:27.0
Iche-check natin.
02:28.0
Ikaw ba ay you over-prioritize in looking at brands?
02:33.5
Again, parang masyado kang brand-conscious.
02:36.0
Again, walang problema na bumili ng brand, ha?
02:38.0
Uulitin ko, pag hindi mo uutangin, go ahead.
02:40.5
Karapatan mo yan.
02:42.0
Pero if you are seeking, di ba, parang recognition, acceptance,
02:45.5
to buy the things that you cannot afford,
02:47.5
to please the people that you do not like and hate,
02:49.5
may problema po tayo.
02:51.0
Again, iba-iba naman ng tao.
02:52.5
Ako naman, di ako masyadong brand-conscious.
02:54.5
Dahil nga, sabi ng nanay ko,
02:56.5
na pag akong sumut, ako daw ang brand mo.
03:01.5
Grabe talaga, no?
03:03.0
Hindi, kasi parang,
03:04.0
ang paniniwala ako talaga,
03:06.0
yung importante talaga,
03:08.0
yung hindi ko makalimutan sinabi ni Mama,
03:10.0
anin mo yung bago mong magandang ang brand na damit at sapatos,
03:14.0
kung wala naman ang laman ng bulsa.
03:16.0
Di ba, mas maganda na,
03:17.5
na kahit na ordinary lang suot mo,
03:19.5
pero may laman ang bulsa mo.
03:22.5
That's number three.
03:23.5
Ano ilang points ka na kaya?
03:25.5
Baka nakakabukol na.
03:28.5
Bad money habit that make us poor.
03:30.5
Excessive spending on gadgets.
03:33.5
Ang hilig mo yung latest upgrade.
03:36.5
Parang kahit na isacrifice mo na
03:38.5
ang iyong kinabukasan,
03:40.5
basta magkaroon ka lang ng bagong gamit.
03:42.5
Sino sa inyo, addict sa mga bagong make-up,
03:44.5
bagong sapatos, bagong damit,
03:45.5
o upgrade ng upgrade,
03:47.5
yun, guilty ka rin ba?
03:48.5
Alam mo, ito lang ang reality.
03:50.5
Kung mag-upgrade ka,
03:51.5
bibigay sa inyo ng cellphone,
03:53.5
eh, company, fine.
03:54.5
Pero kung uutangin mo ulit,
03:56.5
36 months, kapat yun.
03:58.5
Imagine mong pag-upgrade mo lang,
04:00.5
bago mo pa matapos ang paguhulog mo,
04:02.5
may bagong nananabas,
04:03.5
uutangin mo na naman.
04:06.5
Bad money habit that make us broke.
04:08.5
Holding multiple loans.
04:11.5
Ano ibig sabihin?
04:12.5
Nangungutang ka kay A,
04:13.5
para pambahid kay B.
04:14.5
Nangungutang kay C,
04:15.5
pambahid kay A and B.
04:17.5
Ay, nakakafriendship.
04:18.5
Pag yan ang ginagawa mo,
04:19.5
ito lang sasabihin ko po sa inyo,
04:21.5
you cannot solve a permanent problem
04:23.5
with a temporary solution.
04:25.5
Yung pangungutang po,
04:26.5
temporary solution lang yan.
04:31.5
kung ano na ang score mo.
04:32.5
Pakitype na sa comment section.
04:34.5
batihin lang natin si JLSB,
04:36.5
At the same time,
04:37.5
si Ana Jean Levio
04:42.5
Maraming salamat.
04:48.5
utang na loob mentality.
04:50.5
ang pinakamahirap na talagang
04:53.5
ay utang na loob.
04:55.5
kasi kailan ka na nakabayad.
04:56.5
Lalo na kung parating
04:57.5
sasabihin sa inyo
04:58.5
ng mga kamag-ana,
05:00.5
na tumulong sa inyo dati,
05:01.5
I know what you did last summer.
05:04.5
nung pumunta ka sa akin
05:06.5
nakashort ka na pula
05:07.5
at umiiyak ka pa.
05:09.5
Parang tumutulong ka
05:10.5
dahil hindi sa gusto mo.
05:11.5
Out of obligation.
05:15.5
Pwede rin magpahirap po
05:18.5
na pwede magpahirap po
05:21.5
walang emergency fund.
05:22.5
It's not a matter of if.
05:23.5
It's a matter of when.
05:25.5
When kakailanganin natin
05:26.5
yung mga perang gano'n.
05:27.5
Nawala ng trabaho,
05:28.5
may nagkasakit sa pamilya,
05:30.5
may nabanggang sa sakyan,
05:31.5
o may nasirang bagay
05:33.5
Pag wala kang emergency fund,
05:35.5
mapipili kang kamanguntang.
05:37.5
Iyan na naman po tayo.
05:40.5
that make us poor.
05:41.5
Not having a budget
05:44.5
Pag hindi mo nililista
05:45.5
talaga ang gastusin mo,
05:46.5
kung lalo na kung
05:47.5
limited ang income mo,
05:49.5
Mahihirapan ka talaga.
05:52.5
income is limited,
05:53.5
expenses are unlimited.
05:55.5
So, importante po iyan.
05:56.5
Pag hindi mo sinusulat,
05:57.5
that's a bad money habit.
06:01.5
that make us broke and poor
06:02.5
is not planning for retirement.
06:06.5
Sino ba ang retirement plan mo?
06:08.5
Huwag naman po sana
06:09.5
gawin nating retirement plan
06:11.5
ang ating iiwanang mga anak.
06:17.5
darating ang panahon,
06:18.5
magtatayo rin sila
06:20.5
na kanilang pamilya.
06:21.5
At pag nagtayo sila
06:22.5
na kanilang pamilya,
06:23.5
may responsibility na rin sila.
06:25.5
May anak na rin sila.
06:27.5
So, ang hira po talaga,
06:30.5
kung magplano tayo
06:31.5
para sa ating sarili.
06:32.5
Kaya ang tanong ko,
06:33.5
may retirement plan ka na ba?
06:34.5
And last but not the least,
06:35.5
number ten na bagay
06:36.5
that can make us really poor
06:39.5
is ignoring financial literacy.
06:41.5
Na hindi ka nag-aral
06:44.5
hawakan ang iyong pera,
06:45.5
i-manage ang iyong pera,
06:46.5
palaguin ang iyong pera.
06:48.5
Anong ibig ko sabihin?
06:50.5
Sana naman po eh,
06:51.5
umabot kayo hanggang dito.
06:53.5
Kailangan natin matandaan.
06:54.5
Taon ang binilang mo
06:55.5
para kitain ang pera.
06:57.5
Taon ang binilang mo
06:58.5
para ipunin ang pera.
06:59.5
Segundo lang ang kailangan mo
07:03.5
at ma-scam ang iyong pera.
07:04.5
Kaya kailangan po
07:05.5
pag-aralan po natin eh.
07:06.5
That's the reason why
07:07.5
it's very important
07:10.5
Mag-ano lang ako,
07:11.5
basta kita lang ako ng kita.
07:12.5
O sige, kita ka ng kita.
07:13.5
Pag nagkamali ka ng tiwala,
07:14.5
nagkamali ka ng investment,
07:16.5
lahat ng kita mo,
07:18.5
Pwedeng huthutin yan.
07:20.5
tanungin ko po sa inyo,
07:21.5
sa 10 money bad habits talaga,
07:22.5
ulitin natin o 1 to 10.
07:23.5
Gusto ko mag-score kayo ulit.
07:25.5
you're neglecting savings
07:26.5
for important things.
07:30.5
on mga big birthdays,
07:35.5
pinaprioritize mo yung brand.
07:38.5
you spend so much
07:47.5
Marami kang sinusuporta.
07:49.5
wala kang emergency fund.
07:51.5
hindi ka nagbabadget.
07:53.5
wala kang plano sa retirement.
07:55.5
wala kang masyadong alam
07:56.5
pagdating sa pera.
08:00.5
I want you to score right now.
08:04.5
Pag ikaw ay na sa 1 to 3,
08:07.5
condolence kapatid.
08:09.5
medyo challenge talaga.
08:11.5
Pag ikaw ay na sa 4 to 5,
08:13.5
medyo pasangawa pa.
08:16.5
Pag ikaw ay na sa 6 to 7,
08:19.5
pwedeng pasangawa na
08:21.5
at sabihin natin na
08:24.5
Pero pag ikaw ay na sa 8 to 10,
08:27.5
medyo komportable na yung buhay mo.
08:30.5
Kaya ang tanong ko po sa inyo,
08:32.5
na improve ang financial habits mo?
08:36.5
in order for you to relearn?
08:37.5
Pag sinabi mong ready ka na,
08:39.5
I want to invite you
08:40.5
to join our Team Iponaryo.
08:42.5
It is a free Facebook group.
08:44.5
Facebook group po ito.
08:45.5
Lahat ng mga iponaryos,
08:46.5
doon kami nagsasama-sama,
08:47.5
doon kami nag-inspire,
08:49.5
nag-encourage one another.
08:50.5
So, if you want to be part of this
08:53.5
gusto mo matuto mag-ipon,
08:55.5
makawala sa utang,
08:57.5
this is the group and community
09:01.5
Maraming salamat.
09:02.5
Sana naman na liwanagan kayo
09:03.5
at share niyo tong test na ito
09:05.5
para malaman nila
09:06.5
kung talagang sila din
09:07.5
ay nasa anong level na po
09:09.5
when it comes to their
09:10.5
financial literacy.
09:12.5
tamang karunungan,
09:14.5
ang susi po sa pagyaman.