00:21.9
in this channel. And this is a
00:23.9
channel where we teach people on how to become
00:25.9
wealthy and debt-free. So ngayon, sa episode
00:28.0
natin na ito, we're going through a series
00:29.7
yung 10 signs to know.
00:32.1
Itong 10 signs naman to know, you might
00:34.0
be an impulse buyer.
00:36.3
So pag-usapan natin yun, number
00:37.9
2, negative effects. At number 3, kung anong
00:39.9
gagawin po natin. Number 1 sign!
00:42.2
Oo. Immediate gratification.
00:45.2
yung feeling mo na talagang
00:47.5
kailangan ko siya makuha. As in,
00:49.9
now. Oo. Gagawa ko siya
00:52.0
talaga ng paraan. On the spot!
00:54.0
Oo. Kahit minsan, di mo carry
00:56.1
pero gagawin mo parang
00:58.0
ng paraan. Basta kung gusto mo.
01:01.6
Kung guilty ka, type guilty.
01:04.0
Number 2! Nagkakaroon
01:05.7
ka ng paminsan-minsan na
01:07.5
buyer's remorse. Diba?
01:09.9
Pagka binili mo after
01:11.4
a few days, narealize, baka binili
01:13.7
yan? Diba? Yung parang
01:15.7
parang nabudol yata
01:17.8
ako. Parang ganun ang effect.
01:19.6
Oo. That's the second sign.
01:21.6
Number 3! Wala sa plano
01:23.6
ang iyong mga binibili.
01:25.5
Yung mga, lalo na kung may 8, 8, 9, 9, 10,
01:27.7
10, 11, 12, 12, yun ang paano.
01:29.7
Auto-card ka lang, nagustuhan mo,
01:31.6
pero yun nga, nung na-deliver na sa'yo,
01:33.6
yun, bumabalik na naman tayo sa buyer's
01:35.7
remorse. Number 4!
01:37.9
Mabilis ka, marupok ka.
01:39.7
Oo. Ma-influencia ng mga sales,
01:41.7
mga discount, limited time offer.
01:43.9
Oo. Diba? Flash sale!
01:49.6
relate ba kayo dyan?
01:51.3
Number 5! Nako. Mabilis ka.
02:01.4
mabilis ka ma-sway ng mga
02:03.5
advertisement. Pag nakikita ka
02:05.7
ng advertisement, as a matter of fact,
02:07.6
ikaw parating nauunang pumila.
02:11.7
Malaman mo kung ikaw ay impulse buyer?
02:14.2
Marami ka pang mga gamit
02:15.6
na hindi nagagamit. Marami ka pang makeup
02:17.7
na hindi nagagamit. Marami ka pa rin
02:19.6
mga damit at sapatos na
02:21.6
hindi masyadong nagagamit.
02:26.1
Oo. Next sign po!
02:29.7
Hindi ka sumusunod sa budget.
02:33.2
favorite line mo eh, bakit pa ako
02:35.8
nagpapagod? Because
02:41.6
yun nga, yung parang
02:43.2
we tend to justify the things that we really
02:45.8
really like eh. Guilty rin po ako.
02:47.9
And syempre naman, o ito naman,
02:50.4
ang nangyayari niyan, pag binili mo,
02:52.3
parang ano eh, in the next
02:53.8
sign po, you justify
02:55.5
unnecessary purchases.
02:58.1
Parang, yun nga, sinasabi mo,
02:59.7
deserve ko to, or if not naman,
03:01.7
minsanan lang naman,
03:03.4
minsanan na magka-sale, bakit
03:05.7
may malaki naman akong kinita,
03:07.8
diba? Matagal ko pinag-ipunan,
03:09.9
o diba? Ganun, nagja-justify mo siya.
03:12.3
So, parati ko nga sinasabi,
03:13.7
you buy by emotion, but you justify
03:17.7
And then, number nine sign
03:19.7
na ikaw ay isang impulse
03:22.4
nagiging ano mo to, distressor mo.
03:27.2
kung na-stress ka,
03:29.7
bibili ka. Kung nalulungkot ka,
03:31.5
bibili ka. Kung nabobore ka,
03:33.4
bibili ka. So, you use this
03:35.8
as a mechanism in order for you
03:37.7
coping mechanism mo to deal with
03:39.5
stress. Stress buyer
03:41.3
ang tawag natin dyan. And last but not
03:43.7
the least, paano malaman na
03:45.6
ikaw ay isang impulsive buyer?
03:48.1
You avoid financial
03:49.4
reality. In other
03:51.7
words, you are already spending more
03:53.6
than what you can really afford to
03:55.6
buy. Kung mati-check mo lang yung mga
03:57.6
collection mo ng mga K-pop,
03:59.7
na mga items. Again,
04:01.6
bubusin na muna ako. Baka masyaka
04:03.8
ang laki-laki na ng pera na invest mo
04:05.8
doon. Diba? Again, kung
04:07.4
liquid ka, marami kang pera, walang
04:09.6
problema. Pero kung lahat ng ipon mo
04:11.8
napunta na doon, yun na.
04:14.1
Doon tayo magkakaproblema.
04:15.7
So, ano po yung negative effects naman po
04:17.7
of impulse buying? Number one,
04:21.6
financial stress.
04:23.7
Kasi nga, pag nag-overspend ka na,
04:25.9
there's a tendency na ma-strain
04:27.8
mo ng financial budget mo.
04:29.7
Pag na-strain mo na financial budget mo,
04:31.8
kailangan mo pa isupport ang lifestyle na gusto
04:33.7
mo. Mga alawa, utang.
04:36.4
Yun po. Magagamit mo na
04:37.8
yung credit card mo for impulse
04:39.9
buying, isaswipe mo na lang. Kasi,
04:41.6
sa totoo lang, the easiest way
04:43.7
for you to purchase something without
04:45.8
money is through credit card.
04:50.3
negative effects also,
04:52.1
wala ka na mapaglagyan ng mga gamit.
04:56.2
ng gamit sa, ano,
04:57.6
diba? Tapos, eh, bili ka pa rin.
04:59.7
Anong bili? And then,
05:01.7
another negative effect also, yung
05:06.3
Minsan, naiimas-masangka,
05:07.8
parang sinasabi mo na, nagkakaroon ka
05:09.7
ng awakening na kinakausap sa sarili mo.
05:11.9
Ba't ikaw ba ginagawa ito?
05:13.9
Hindi naman ako masaya. Masaya lang ako pag
05:15.6
bumili. Pero pag nandito na, wala na.
05:19.8
And then, also, nagkakaroon
05:21.8
din ang tinatawag ng
05:22.9
potential mental health impact.
05:26.7
Bakit po? Chronic
05:27.8
buying kasi, or impulse
05:29.7
buying, is a symptom of a deeper
05:34.0
The problem, just like what I mentioned a moment
05:35.9
ago, the reason why you're buying, because
05:37.8
you are stressed.
05:39.6
So, in order to remove the stress,
05:42.2
bili ka. Pero this is
05:43.9
a temporary solution.
05:45.9
Sandali lang. Happening lang yan.
05:48.1
Pero pagka nawala na yung high mo
05:50.0
sa pagbili ng gamit na yun,
05:51.6
pag nakuha mo na siya, babalik ka na naman
05:53.8
sa dati mong problema.
05:56.0
So, you cannot solve the fruit of the problem,
05:57.9
you have to solve the root of the problem.
06:00.8
So, if I just describe
06:02.0
your situation right now, and you are
06:04.0
acknowledging na talagang you are
06:05.9
an impulse buyer,
06:08.5
ang unang kailangan mong gawin
06:09.9
para masolve ko, aminin mo na
06:11.8
kailangan mo ng tulong. That's number one.
06:15.8
ang suggestion ko para hindi ka bumili
06:18.0
ng mga bagay na hindi mo gusto
06:19.8
at di mo talaga kailangan,
06:21.8
bring only the amount of money you can
06:23.9
afford to, or you can spend
06:26.0
on a daily basis. Tanggalin mo yung app,
06:27.9
mo, tanggalin mo yung mga
06:29.8
gcash mo, tanggalin mo yung
06:32.0
credit card mo, maglagay ka lang
06:33.9
ng exact amount of money that you can
06:36.0
afford to use on cash basis.
06:40.1
avoid buying when you're
06:43.7
Pwede mong i-implement yung 30-day rule.
06:46.2
Ang ibig sabihin ng 30-day rule,
06:47.9
sa loob ng 30 araw, hintayin mo muna
06:50.0
kung may nginig pa at kailangan mo talaga,
06:52.2
may budget ka, by all means,
06:53.9
bilhin mo. Pero pag nawala na yung nginig,
06:55.9
wala ka naman pera, at the same time,
06:57.9
na-realize mo na hindi mo kailangan,
06:59.9
wag mo nang bilhin.
07:01.7
I hope that this episode have really
07:03.8
opened your mind, especially.
07:06.2
Again, the problem is not the income,
07:08.2
the problem is how you handle your income.
07:10.7
It's not how much money you make,
07:12.2
it's how much money you spend.
07:14.4
Kahit kumita ka ng 100k a month,
07:16.3
pero ang lifestyle mo,
07:17.8
impulse buying mo, will push you to spend
07:19.9
120, lubog ka sa pera,
07:21.7
o utang wala kang ipon. Agree?
07:24.6
So, if this episode
07:25.8
resonated with you, and you know that
07:27.9
it can also help others, do me a favor,
07:30.5
please share this link,
07:31.8
copy-paste mo, i-share mo sa mga friends mo,
07:33.8
i-post mo sa social media mo,
07:35.6
para makatulong din sa ibang tao.
07:38.2
Tatandaan, tamang karunungan,
07:39.7
tamang disiplina po, ang susi sa pagyayaman.
07:51.9
Thank you for watching!
