* AI ("Artificial Intelligence") subtitles on Tagalog.com are generated using "Whisper" by OpenAI (the same company that created ChatGPT and DallE2). Results and accuracy may vary.
* The subtitles do include errors occasionally and should only be used as a tool to help with your listening practice.
* You can request this website to create a transcript for a video if one doesn't already exist by clicking the "Request AI Subtitles" button below a video. Transcribing usually takes 30-40% of the length of a video to complete if there are no other videos in
the queue. For example, a 21 minute video will take 7-8 minutes to transcribe.
* Running a super fast cloud GPU server to do these transcriptions does cost money. If you have the desire and financial ability, consider
becoming a patron
to support these video transcriptions, and the other tools and apps built by Tagalog.com
00:00.0
Minsan, natanong mo na ba sa sarili mo, saan napunta ang pinaghirapan kong pera?
00:06.2
Kung yan ang tanong mo, ay naku, meron akong balita, wala kang budget.
00:10.3
If you want to know how to create your budget, paano malaman mo ng 10 signs na ito, you got to watch this video.
00:15.5
Videos that will make you wealthy and debt-free.
00:22.3
Hi there, this is Shing Kitan, your Pambansang Wealth Coach.
00:25.1
Thank you very much for tuning in and subscribing to this channel.
00:28.3
Ito yung channel ng mga ipunaryo at mga paonlan.
00:30.7
So, ang usapang budget po natin dito, ang pag-usapan po natin, number 1, negative effects pag wala kang budget.
00:35.7
Number 2, ano po yung 10 signs na wala ka talagang budget.
00:39.2
Alam mo minsan, nagkakaroon tayo ng illusion eh.
00:41.6
Pag tinanong ko sa isang tao, ikaw ba may budget?
00:43.8
Sagot sa akin parati, meron, meron, may budget ako.
00:46.1
Pero pagka tinanong ko na, isa-isa, yung mga items, hindi naman nila masagot.
00:50.4
So, in other words, may illusion po tayo in our mind that we are managing our money, we are budgeting, but in reality, we are not.
00:57.3
So, ano yung negative effects mo muna?
00:59.2
Pag ikaw ay hindi marunong mag-budget, number 1, may tendency ka mag-overspend.
01:04.2
Kagastos ka na higit sa iyong pangangailangan. That's number 1.
01:07.3
Number 2 po, magkakaroon ka ng financial instability.
01:10.7
Since nagkakaroon ka ng overspending, syempre, di mo na mababayaran mga kailangan mo.
01:15.1
Number 3, papasok ka sa utang.
01:17.0
Number 4, wala kang ipon.
01:18.7
Number 5, since hindi mo na babudget, meron kang tinatawag na emotional purchases and unplanned spending.
01:24.6
So, in the process, pag nagpatong-patong,
01:27.3
magkakaroon po tayo na tinatawag na financial stress and anxiety.
01:32.6
And once you are already at this level, alam nyo mga friendship, believe me, you will make bad financial decisions.
01:38.8
Para makasurvive ka lang, mangungutang ka para magbayad ulit ng utang.
01:42.7
So, in the process, ano pong mangyari? Mentally and emotionally stress.
01:48.0
And I hope I did not just describe your situation right now.
01:51.0
So, ano pong kailangan po natin gawin?
01:53.2
Okay, bago natin kailangan gawin, itatanongin ko muna sa inyo ang 10 signs.
01:57.3
Kung ikaw po ay isang hindi nagbabudget.
02:00.4
Number 1 sign, sulat nyo to ha.
02:02.5
You are constantly overdrawing.
02:05.9
When you say overdrawing, meron kang gastusin na ginagastus mo on a monthly basis.
02:11.0
Pero ang nangyayari po niyan, ginagamit mo na yung reserve funds mo.
02:14.7
So, kunyari, ang gastus mo lang dapat 20k, napapagastus ka na more than 20k.
02:19.0
That's number 1 sign.
02:20.2
Nagagawa mo na ba yan? Check na yan, check.
02:22.4
Number 2, nagkakaroon ka ng bill shock.
02:25.1
Yung parang nasa surprise ka.
02:27.3
Laki naman ang ginagastus ko dito.
02:28.6
Uy, laki naman ang kuryente.
02:29.9
Uy, laki naman ang credit card ko.
02:31.4
O, nagkakaroon ka ng bill shock.
02:32.8
That's number 2 sign.
02:34.0
Number 3, wala kang emergency fund.
02:36.1
Oo, wala kang naitatabi for your emergency.
02:38.8
Just in case, pag ikaw ay nagkaroon ng emergency,
02:41.2
ang next default mo ay utang na.
02:42.8
Number 4, you are living from paycheck to paycheck.
02:45.5
Ang ibig sabihin po niya, kung anong pumasok na pera,
02:48.0
yun ang nagagastus nyo.
02:49.1
At minsan, bago pa pumasok, wala ng pera.
02:52.4
Type guilty if you are guilty.
02:53.9
Number 5 sign, na ikaw ay walang budget.
02:57.3
Nagkakaroon ka na ng late payments sa iyong mga pangakailangan mo.
03:02.1
Kuryente, tubig, minsan kamunti ka na maputulan pa.
03:05.2
Number 6 signs, wala kang savings.
03:08.9
Ang merong ipon-ipon na lang sa mga naloob.
03:11.0
Kung saan, binibiro ko ng kaibigan ko,
03:12.7
Chinky, bakit kaya mas madali mag-ipon ng taba kaysa pera?
03:17.2
And then another sign, ako, na ikaw ay walang budget.
03:21.6
When you make purchase, it's based on impulse.
03:24.2
Oo, wala sa plano, bibili ka lang.
03:26.9
Tapos, magsisisi ka lang, di ba?
03:29.2
That's number 7 sign.
03:31.0
Wala kang kasiguraduan about your expenses.
03:33.8
Hindi mo alam kung magkano talaga ginagastus mo sa pagkain,
03:37.2
sa entertainment, sa transportation.
03:39.3
Pag tinanong ko sa'yo, wala kang numero na maibigay sa akin.
03:42.0
That's another sign.
03:43.1
Are you still here with me?
03:44.6
Nako, baka habang sinasabi ko, Chinky,
03:47.0
lahat ng sinasabi mo, pukang guilty ako ah.
03:49.2
Ayaw mong tignan ang iyong bank account.
03:52.7
Ayaw mong tignan ang iyong gastusin.
03:55.0
Dahil alam mo talagang kapos ka.
03:57.1
Sign na ikaw ay walang budget.
03:59.0
Ikaw na ay umaasa sa credit card para mabayaran mo ang iyong mga necessities.
04:03.6
Oo, nangungutang ka na sa credit card.
04:05.7
And yan po ang mga signs na yan.
04:07.5
Kaya nga, tatanungin po kayo ah.
04:09.0
From 1 to 10, nasa ang kayong numero.
04:11.7
Ulitin ko ah, number 1, nagagamit mo na ang iyong reserves.
04:16.1
Number 2, nagkakaroon ka ng bill shock.
04:18.1
Check mo nga kung meron ka.
04:19.3
Number 3, wala kang emergency fund.
04:21.1
Number 4, paycheck to paycheck ka lang.
04:23.5
Pag walang pumasok na pera, wala kang panggastos.
04:26.9
Late payments na.
04:31.2
Pag bumili ka, based on impulse.
04:33.6
Hindi mo alam magkano talaga ang ginagastos mo.
04:37.2
Ayaw mo tignan ang iyong bank account at ang iyong mga bills.
04:40.3
Dahil alam mo, wala kang pambayad.
04:42.7
Umaasa ka na sa credit card para mabayaran mo ang pangailangan mo.
04:46.3
So kung ikaw, from 1 to 10, ano ang numero mo?
04:49.6
Pag ikaw ay nasa number 7 pataas, kaibigan.
04:53.2
Kailangan mo na talaga ng tulong.
04:54.7
Kung kaya mo lang masolusyonan itong budget issue,
04:56.9
matagal mo na talaga naayos yan.
04:59.5
So I suggest that you read books about budgeting.
05:02.5
Use tool apps, yung mga apps.
05:06.4
Kailangan ilistan nyo talaga dapat ang inyong gastusin.
05:09.4
Listan nyo rin kung magkano kinikita nyo.
05:11.5
And then, seek financial advice.
05:13.6
Makipag-usap na kayo sa tao.
05:15.0
Alam nyo, ito lang mga friends.
05:16.2
Plan na kung mag-asawa kayo.
05:17.4
Kung talagang kayo nyo ayusin talaga ang budget nyo,
05:20.1
matagal nyo na naayos to.
05:21.1
The mere fact that we are still discussing this
05:23.3
and you are still, again, high from 1 to 10,
05:26.4
itong exercise na ginawa po natin,
05:28.5
this is not a good sign.
05:30.0
So whenever I consult a person who wants my financial advice,
05:34.2
I always ask them to take this test.
05:36.2
So kung mataas siya, you need help.
05:38.9
At huwag kayong maya na humingi ng tulong sa mga taong kaya kayong tulungan.
05:43.8
Sana naman nakatulong itong episode na ito.
05:46.3
And then, please also share with me
05:47.9
yung pinagdadaanan right now from 1 to 10,
05:50.3
saan ka ba nagkukulang at saan mo kailangan mag-improve.
05:53.5
And I hope to hear from you.
05:55.0
Tatandaan, tamang karunungan.
05:56.2
At tamang disiplina po ang susi sa pagyaman.
