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In this episode, we are going to talk about smart savings.
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10 things that you should avoid doing when it comes to savings.
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Hi there, there's Chinky Tan, your pambansang wealth coach.
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Maraming maraming salamat for tuning in.
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Ako, kaya super excited po ngayon.
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Usapang ipon po tayo.
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Alam nyo naman na we have created a movement called the Iponaryo Movement.
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Ang goal nyo, kailangan maging iponaryo para maging milyonaryo.
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And I always tell people, the foundation talaga of wealthy is ipon.
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And people say, bakit iyayama ka ba sa pag-iipon?
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Hindi kayayaman sa pag-iipon.
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It's what you do with the ipon.
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Pag mag-iipon ka na, ininegosyo mo.
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Pwede kang umaman.
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Pag may ipon ka na, ininvest mo.
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Pero yung principle kasi ng ipon ay napakaganda po talaga.
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Pero ang tanong, bakit nga hindi nakakaipon ng tao?
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Kasi meron nga sampung pagkakamali na parating ginagawa.
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Kaya ito lang, kung gusto mo maging successful ang ipon journey mo,
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iwasan mo itong sampung ito.
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Number one, impulse buying.
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Pag anong feel mo, binibili mo.
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Ang tawag po niyan is emotional buying.
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And then, honestly,
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ang sarap mamili.
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And ang sarap kumain.
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Ang sarap mag-shopping.
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Ang sarap mag-online buying.
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Ang sarap talaga.
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Pero yun nga, pagka-impulse buying ka,
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pati yung budget mo, pati yung ipon mo,
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Hindi mo makikita.
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Kaya that's number one na kailangan mong iwasan.
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Kung gusto mo pumili, set aside money.
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Yung talagang praplanuin mo.
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Second thing that you should avoid doing when it comes to making ipon,
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ignoring budgeting.
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Pag ninineglect mo talaga,
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hindi ka nagbabudget, maniwala ka.
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Hindi ka makakaiwan.
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Kasi hindi mo pinaprioritize.
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Hindi mo tinatrack yung tinatawag nating income.
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Like for example,
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ang alam naman natin,
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pag nagbabudget ka,
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ang dapat formula,
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income minus savings equivalent to expense.
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Unahin mo muna yung pag-iipon bago ka gumastos.
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You don't ask your income to adjust to your lifestyle.
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You ask your lifestyle to adjust down to your income.
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The issue is not where you want to eat.
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The issue is where can you afford to eat.
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So kailangan matuto tayo mag-budget.
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O, importante ito.
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Failing to track expenses.
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kailangan ilista mo lahat ng iyong mga gastusin.
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Kasi hindi mo nilista ang iyong gastusin,
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parating tanong mo lang
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at the end of the year,
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saan napunta ang kinita ko.
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Pag tinatanong mo yan,
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Kaya kailangan po,
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Kaya nga meron kaming piso planner.
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We ask you to write down your expenses.
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And then isang book po po,
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na my budget diary.
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Kaya meron tayong ditong listahan ng mga gastos.
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ililista mo yung mga gastos mo.
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And then from there,
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grabe, alam mo talagang
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ang galing ito itong budget diary.
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on a monthly basis.
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bill, amount, due date.
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January to December.
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Check-check mo na lang
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kung nabayaran mo na.
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Kailangan i-track mo yung expenses mo.
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kailangan mong gawin is
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neglecting yung comparison.
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nagko-compare ka muna ng prices.
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when you want to buy something,
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matuto kang mag-canvas.
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Ang tawag namin canvassing.
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Mag-check ka muna
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kung saan mas affordable.
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Take time to research.
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So that you can get
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best value for money.
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Yun ang ginagawa namin
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na kailangan nyo iwasan
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para makaipon kayo,
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please, please, please,
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stop relying on credit cards
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Ang nangyayari po,
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pag ginagasos mo lahat yun
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sa credit card mo,
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alam mo mangyayari yan.
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Magbabayad ka naman
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matataas na mga interest,
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Makalimutan mo lang.
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I have nothing against credit card.
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If you want to use credit,
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use it responsibly.
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responsible ka at the end of the month?
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Pay everything in full.
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na kailangan natin iwasan
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para makaipon ka,
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neglecting to negotiate.
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huwag kang mahiyang tumawad.
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Ano mawawala sa'yo
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Kaming mga singkit,
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stop emotional spending.
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Huwag mong gaming
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ang pagbibili mo.
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Like for example,
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Pag nalungkot ka,
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nabde-depress ka,
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Pag super excited ka,
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yun yung emotional spending,
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iwasan din po natin yan.
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kung gusto nyo talaga makaipon,
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baka masyak po kayo.
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Stop paying for unused subscription.
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na hindi na natin ginagamit
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na nagbabayad tayo.
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naka-autodidact lang sa atin.
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O, nagdi-gym ka pa ba?
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Magkano per month?
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O, at times 12 months,
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Baka may mga subscription ka.
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Like for example,
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may Netflix ka na,
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meron kang pangalawa pa.
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Baka pwede mong bawasan.
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Makakatipid ka rin dun.
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kailangan i-avoid mo talaga ito.
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Kung gusto mo talaga makaipon,
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mag-build ka ng emergency fund.
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Not building an emergency fund
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na kukakainin yung ipon mo.
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Pag wala kang emergency fund,
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ano mangyayari po?
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The moment you lose your job,
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you lose your income,
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Mapipilitang ka mang utang.
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At pag nang utang ka,
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magbabayad ka ng interest.
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habang ikaw ay nagre-recover,
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binabayara mo lang yung interest.
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Dalawang binabayaran mo,
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interest plus utang.
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pag may emergency fund ka,
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Wala kang babayaran na utang.
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ang kailangan mo i-avoid is what?
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Ignoring money-saving opportunities.
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When you say money-saving opportunities,
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i-check mo rin yung mga rewards
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sa credit card mo.
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Yung mga cashback offers,
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ang dami na po mga cashback ngayon
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na mga binibigay ng mga tinatawag na e-banks
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na hindi mo alam na kumain ka pala sa restaurant,
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may 50% discount na hindi mo kinamit.
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So, in other words, mga friendship,
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be mindful of these maling practices.
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These are the 10 things.
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Ulitin natin ang 10.
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ignoring budgeting.
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Hindi ka nagbabadget.
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hindi mo tinatrack ang expense mo.
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hindi ka nagkocompare,
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hindi ka nagkakanvas.
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minamax out mo yung credit card mo.
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hindi ka nagne-negotiate.
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nage-emotional spending ka.
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nagbabayad ka ng mga subscription
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na hindi mo kailangan.
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wala kang emergency fund.
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ini-ignore mo yung mga opportunities
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na ikaw ay makatipid ng pera.
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ito lang sabihin ko po sa inyo
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sa lahat ng mga ka-iponaryos
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who's watching this right now.
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Gusto ko i-compute mo lang,
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i-compute mo lang
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kung magkano matitipid mo
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sa mga tips na binigay ko po sa inyo.
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Mamahalin nyo ako.
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if you want to learn more about this,
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this is only one of the things
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that we discuss in our TYL community,
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Dayayamanin Life Community.
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isa sa mga matutunan nyo
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at marami pa kayong matutunan.
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At kung gusto nyo malaman,
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ano yung nilalaman pa ng TYL community,
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puntahan nyo na lang yung link namin.
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Puntahan nyo na lang yung link namin.
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Sumali na kayo sa aming group coaching session
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at marami kayong matutunan.
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Maraming maraming salamat.
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ang tamang karunungan,
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ang tamang disiplina,
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ang susi sa pagyama.
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Kaya ang magandang episode natin at
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kaya maganda ito.
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kailangan i-avoid mo talaga ito.
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hindi mo minam...
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Mamahalin nyo ako.
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Thank you for watching.
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If you want to suggest a topic or review
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that you would like me to discuss on the next video,
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please do comment below
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para mabasa po namin.
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Thank you very much
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and I'll see you on our next video.
