00:30.1
yung the way you think will help you make your financial decision.
00:34.5
Parang sinasabi nga parating ng mentor ko,
00:36.3
your way of thinking will dictate your way of living.
00:39.4
Wrong way of thinking, wrong way of living.
00:41.3
Right way of thinking, right way of living.
00:43.2
Yan po ay galing kay Mr. Francis Kong.
00:45.5
So, ano po yung pwede natin gawin na para
00:48.8
bubudulin natin ang ating sarili para makaipon ka pa more?
00:52.4
O sige, Mental Trick number 1.
00:55.7
Gumawa tayo na tinatawag natin ng Confidential Fund.
00:59.4
Ah, ano yung Confidential Fund?
01:01.4
Ang ibig sabihin ng Confidential Fund, Secret Fund,
01:03.7
ang ibig sabihin lang yan, mag-open ka ng dalawang account.
01:06.4
Isang main account, okay, yung dito pumapasok yung pera.
01:09.9
Pangalawa naman, ito yung Confidential Fund account mo.
01:13.4
So, ang gagawin mo, pag pumapasok po yung pera dito,
01:16.4
automatically, majority of the money,
01:19.4
papasok mo dito sa Confidential Fund mo.
01:21.9
Mag-iiwan ka lang ng konti dito.
01:26.2
Dapat ang makikita mo, itong main account,
01:28.7
hindi mo dapat nakikita itong Confidential Fund mo.
01:32.4
Pag nakikita mo, maliit parati yung pera mo,
01:34.4
number 1, hindi ka mag-overspend.
01:37.4
Number 2, ang kagandahan din dito,
01:39.9
yung parang sinisip mo na,
01:42.4
ay, wala akong pera, kaya kailangan ko mag-ipon,
01:44.4
kailangan ko mag-tim.
01:45.4
Compared to, kasi pag nakikita mo lahat ang iyong pera,
01:48.9
feeling mo ang yaman-yaman mo.
01:50.4
Agree or disagree?
01:51.4
Pakitype lang sa comment section.
01:52.9
Pero pag nakikita mo, ay,
01:54.9
nag-iiwan ka lang ng sapat, ay,
01:58.4
ang laki na pala na ipon mo sa Confidential Fund.
02:02.9
Makakatulong yan.
02:04.9
Mental trick number 2.
02:06.9
You multiply anything by 5.
02:09.9
When you want to buy anything,
02:10.9
imultiply mo lang ng 5.
02:11.9
Yan ang ginagawa ko po.
02:12.9
Like for example,
02:13.9
bibili ka ng kape,
02:18.4
tapos ang gagawin mo po,
02:23.4
Pero ang sweldo mo,
02:25.4
Anong percentage ng
02:27.4
Php1,000 sa Php15,000?
02:30.4
Di ba malaki po siya?
02:32.9
Ikaw lang makakasagot nun.
02:35.4
pwede kang bumili ng 3 in 1 na 10,
02:39.9
divided by your salary of Php15,000,
02:42.4
maliit na portion lang.
02:45.4
I just always multiply it by 5.
02:47.4
You can probably use some other formula.
02:49.9
Pero ang kaganda nito,
02:51.4
it promotes conscious spending.
02:53.4
So, iniisip mo yung price.
02:56.9
iniisip mo kung afford mo ba talaga o hindi.
02:58.9
Makakatulong po yan.
03:00.9
para makaipon ka pa more,
03:04.4
is what we call as
03:05.4
positive spending
03:06.9
or negative spending po.
03:08.4
There are two ways for you to spend money.
03:10.9
save before you spend.
03:13.9
and you pay later.
03:15.9
ika-credit card mo siya.
03:17.4
Kung alam naman po natin,
03:18.4
pag pinag-ipunan muna natin yan
03:21.4
nakaka-encourage po siya.
03:23.4
Nakaka-encourage in the sense kasi,
03:25.9
wala kang stress.
03:27.9
pagka inutang mo,
03:28.9
bago mo siya binili,
03:30.9
aalalahanin mo pa yung babayarin mo,
03:32.9
lalo kung naka-credit card.
03:33.9
Pag hindi ka nagbayad on time,
03:35.9
Ang benefit nito,
03:36.9
it promotes the awareness of consequences
03:39.4
before yung spending
03:43.4
Yan ang kagandahan po nito.
03:45.4
pangat pa lang yan.
03:46.4
Let's go to the next one.
03:47.9
But before we go to the next one,
03:49.4
babatiin muna natin si Jane Matura,
03:51.9
at the same time,
03:52.9
Chris John Gatbonton,
03:54.4
and happy birthday kay Kuya CJ.
03:56.9
Belated na siguro ito.
03:58.9
Mental trick number 4 na po tayo.
04:01.4
Ang galing na series natin na ito.
04:03.4
Mental trick number 4,
04:04.4
treat money as a seed.
04:07.4
Ano ibig sabihin po ng seed?
04:08.9
Lahat ng pera na kinikita po natin,
04:11.9
iisipin po natin,
04:13.4
na hindi lang po siya pang gastos.
04:15.4
Iisipin natin na para siyang binhi.
04:18.4
pag kumita po tayo,
04:19.9
gumagastos po tayo.
04:24.4
binibili natin yung mga gusto natin.
04:26.4
Instead na gamitin mo
04:28.4
yung sobra mong pera sa gusto mo,
04:30.4
bakit hindi mo itanim
04:33.4
What do you mean by itanim?
04:38.4
pag nagnegosyo ka,
04:39.4
Pag nag-invest ka,
04:40.4
pwede ka rin kumita.
04:41.4
Pag kumita na ang negosyo mo,
04:43.4
gamitin mo ngayon
04:45.4
yun ang gamitin mo
04:47.4
pambili ng gusto mo.
04:49.4
Magandang idea yun.
04:50.9
pag ginawa mo yan,
04:51.4
ano po mangyayari yan?
04:52.4
Ang magandang diskate po niyan,
04:55.4
ang prinsipal mo.
04:59.4
Ang benefit po nito,
05:00.4
it shifts the mindset
05:01.4
from immediate consumption
05:03.4
to what we call as
05:04.4
long-term financial growth.
05:06.9
ang isang benefit po nito.
05:11.9
para makaiwas gastos
05:12.9
and ipon for ka pa.
05:14.9
Tatandaan niyo po ito,
05:15.9
bago kayo gumastos.
05:17.9
and time is money.
05:21.9
and time is money.
05:28.9
you get paid P800 a day.
05:29.9
Ang ibig sabihin po niyan,
05:32.9
ang kinikita ng oras mo.
05:35.4
babalik na naman tayo sa
05:37.9
na binili po natin.
05:39.4
I have nothing against
05:40.9
people buying coffee
05:45.4
pinapakita ko lang sa inyo,
05:46.9
kung gaano kalaki ng oras
05:49.9
para makabili ka ng kape.
05:54.9
P200 worth of coffee.
05:57.9
of your work time
05:58.9
in exchange for coffee.
06:04.9
ibibili ko ba ito ng kape?
06:07.4
ganun ka dapat mag-isip.
06:08.4
like for example,
06:15.4
so, ibig sabihin niyan,
06:18.4
ang dapat trabawin mo.
06:21.4
kung 8 hours per day,
06:22.4
you have to invest
06:24.4
P63 days kang magtatrabaho,
06:27.4
na wala kang gagasusin,
06:29.4
para mabili mo lang yung phone na yun.
06:32.4
That's almost 2 months.
06:34.4
is it worth your time?
06:38.4
and money is time.
06:39.4
Ang kagandahan po nito,
06:40.4
pag ganun po tayo mag-isip,
06:42.4
yung spending decision mo,
06:44.4
will be not tied up to the amount,
06:47.4
but will be tied up to the time
06:50.4
in order for you to have it.
06:53.4
Maganda ba itong session natin na ito?
06:54.4
Uulitin ko nga itong mental trick
06:56.4
number 1 to number 5,
06:57.4
para hindi tayo maguloan.
07:00.4
anong gagawin mo?
07:01.4
Confidential fund.
07:03.4
may secret account ka.
07:05.4
Makikita mo lang yung main account mo,
07:07.4
pero secret account mo,
07:10.4
Hindi mo makikita yan.
07:11.4
Parang babibigla ka nalang one day,
07:12.4
ay, laki na ng pera ko nandun.
07:15.4
before you buy something,
07:17.4
multiply it by 5.
07:20.4
kung afford ba talaga ng kita mo,
07:24.4
positive spending,
07:25.4
or negative spending.
07:28.4
para makuha mo na,
07:29.4
or pag-ipunan mo muna,
07:31.4
bago mo siya bilhin.
07:33.4
treat money as seed.
07:36.4
When you say binhi,
07:37.4
pag may binhi ka,
07:41.4
Pag meron kang sobra,
07:43.4
anong gagawin mo?
07:46.4
O padadamihin mo?
07:48.4
Mental trick number 5,
07:51.4
and time is money.
07:56.4
hindi na presyong titignan natin,
07:57.4
titignan po natin,
08:03.4
That's mental trick
08:05.4
pero alam nyo po,
08:06.4
meron pa yan 6 to 10.
08:07.4
May 6 to 10 pa yan.
08:09.4
sobra akong excited.
08:10.4
Nabitin ba kayo dito?
08:12.4
Huwag kayong mag-alala,
08:13.4
gagawa po tayo ng part 2.
08:17.4
from 1 to 5 lang,
08:18.4
pumili lang po kayo ng isa.
08:22.4
na pwede mong gawin,
08:24.4
at masya-syaka talaga.
08:26.4
Ay, kaya ko pala mag-ipunan.
08:29.4
kaya ko pala magtipid.
08:32.4
kaya ko pala makontrol
08:35.4
If you start thinking that way,
08:36.4
kasi itong sinashare ko po sa inyo,
08:38.4
this is how I process
08:39.4
before I buy things.
08:40.4
It really helped me
08:41.4
to become iponaryo.
08:45.4
Kaya I want to challenge you
08:46.4
also to do the same thing.
08:48.4
At kung gusto nyo pa talagang
08:51.4
yung ating grupo,
08:52.4
I want to invite you
08:54.4
to our Iponaryo Movement.
08:56.4
Mag-join kayo sa Facebook page
08:57.4
ng Iponaryo Movement.
09:00.4
Private group po siya.
09:02.4
That is the place
09:03.4
where we encourage,
09:05.4
we ask questions,
09:06.4
we have interaction
09:07.4
with our community.
09:09.4
O kung gusto nyo malaman
09:10.4
kung paano pa yun,
09:12.4
Maraming maraming salamat.
09:13.4
Abangan nyo na lang po
09:17.4
tamang karunungan,
09:18.4
tamang disiplina po
09:19.4
ang susi sa pagyaman.
