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00:00.0
Makalimutan mo lang, madelay ka lang, may charge na ng pagkalaki-laki.
00:06.6
Bakit? Iyaman ka ba sa pag-iipon?
00:08.3
Hindi po. Hindi ka iyaman sa pag-iipon.
00:12.2
Videos that will make you wealthy and debt-free.
00:19.3
Are you struggling to save money consistently?
00:21.6
Parang feeling mo na o overwhelmed ka na kung paano ka talaga mag-iipon?
00:26.9
Ay, grabe mga friendship.
00:28.2
Kaya maganda itong episode natin.
00:29.8
In this episode, we are going to talk about smart savings.
00:32.3
10 things that you should avoid doing when it comes to savings.
00:36.2
Hi there, there's Chinky Tan, your pambansang wealth coach.
00:38.7
Maraming maraming salamat for tuning in.
00:40.8
Ako, kaya super excited po ngayon.
00:42.7
Usapang ipon po tayo.
00:44.4
Alam nyo naman na we have created a movement called the Iponaryo Movement.
00:47.9
Ang goal nyo, kailangan maging iponaryo para maging milyonaryo.
00:51.0
And I always tell people, the foundation talaga of wealthy is ipon.
00:55.1
And people say, bakit iyayama ka ba sa pag-iipon?
00:58.2
Hindi kayayaman sa pag-iipon.
01:00.5
It's what you do with the ipon.
01:02.0
Pag mag-iipon ka na, ininegosyo mo.
01:03.7
Pwede kang umaman.
01:04.4
Pag may ipon ka na, ininvest mo.
01:07.1
Pero yung principle kasi ng ipon ay napakaganda po talaga.
01:10.8
Pero ang tanong, bakit nga hindi nakakaipon ng tao?
01:14.0
Kasi meron nga sampung pagkakamali na parating ginagawa.
01:17.2
Kaya ito lang, kung gusto mo maging successful ang ipon journey mo,
01:20.0
iwasan mo itong sampung ito.
01:21.2
Number one, impulse buying.
01:22.7
Pag anong feel mo, binibili mo.
01:24.1
Ang tawag po niyan is emotional buying.
01:26.6
And then, honestly,
01:27.4
ang sarap mamili.
01:28.5
And ang sarap kumain.
01:29.5
Ang sarap mag-shopping.
01:30.5
Ang sarap mag-online buying.
01:31.9
Ang sarap talaga.
01:33.0
Pero yun nga, pagka-impulse buying ka,
01:35.3
pati yung budget mo, pati yung ipon mo,
01:38.7
Hindi mo makikita.
01:40.1
Kaya that's number one na kailangan mong iwasan.
01:43.5
Kung gusto mo pumili, set aside money.
01:46.1
Yung talagang praplanuin mo.
01:47.7
Second thing that you should avoid doing when it comes to making ipon,
01:51.1
ignoring budgeting.
01:53.5
Pag ninineglect mo talaga,
01:55.0
hindi ka nagbabudget, maniwala ka.
01:56.5
Hindi ka makakaiwan.
01:57.4
Kasi hindi mo pinaprioritize.
01:59.9
Hindi mo tinatrack yung tinatawag nating income.
02:02.9
Like for example,
02:04.1
ang alam naman natin,
02:05.1
pag nagbabudget ka,
02:06.3
ang dapat formula,
02:07.2
income minus savings equivalent to expense.
02:09.7
Unahin mo muna yung pag-iipon bago ka gumastos.
02:12.6
You don't ask your income to adjust to your lifestyle.
02:15.2
You ask your lifestyle to adjust down to your income.
02:18.0
The issue is not where you want to eat.
02:20.1
The issue is where can you afford to eat.
02:22.5
So kailangan matuto tayo mag-budget.
02:25.6
O, importante ito.
02:29.1
Failing to track expenses.
02:31.4
kailangan ilista mo lahat ng iyong mga gastusin.
02:35.0
Kasi hindi mo nilista ang iyong gastusin,
02:37.2
parating tanong mo lang
02:38.1
at the end of the year,
02:39.0
saan napunta ang kinita ko.
02:40.6
Pag tinatanong mo yan,
02:42.6
Kaya kailangan po,
02:44.5
Kaya nga meron kaming piso planner.
02:46.1
We ask you to write down your expenses.
02:48.4
And then isang book po po,
02:49.6
na my budget diary.
02:51.0
Kaya meron tayong ditong listahan ng mga gastos.
02:54.0
ililista mo yung mga gastos mo.
02:57.4
And then from there,
02:58.5
grabe, alam mo talagang
02:59.7
ang galing ito itong budget diary.
03:03.6
on a monthly basis.
03:05.5
bill, amount, due date.
03:07.8
January to December.
03:09.5
Check-check mo na lang
03:10.4
kung nabayaran mo na.
03:11.9
Kailangan i-track mo yung expenses mo.
03:14.6
kailangan mong gawin is
03:15.8
neglecting yung comparison.
03:18.5
nagko-compare ka muna ng prices.
03:20.6
when you want to buy something,
03:21.9
matuto kang mag-canvas.
03:23.2
Ang tawag namin canvassing.
03:24.4
Mag-check ka muna
03:25.2
kung saan mas affordable.
03:26.6
Take time to research.
03:29.5
So that you can get
03:30.5
best value for money.
03:32.1
Yun ang ginagawa namin
03:35.5
na kailangan nyo iwasan
03:36.6
para makaipon kayo,
03:37.7
please, please, please,
03:38.6
stop relying on credit cards
03:42.2
Ang nangyayari po,
03:43.1
pag ginagasos mo lahat yun
03:44.5
sa credit card mo,
03:45.4
alam mo mangyayari yan.
03:46.6
Magbabayad ka naman
03:47.3
matataas na mga interest,
03:50.2
Makalimutan mo lang.
03:53.8
I have nothing against credit card.
03:55.5
If you want to use credit,
03:56.6
use it responsibly.
03:59.4
responsible ka at the end of the month?
04:00.9
Pay everything in full.
04:02.8
na kailangan natin iwasan
04:04.2
para makaipon ka,
04:05.4
neglecting to negotiate.
04:08.1
huwag kang mahiyang tumawad.
04:09.9
Ano mawawala sa'yo
04:12.6
Kaming mga singkit,
04:17.0
stop emotional spending.
04:19.0
Huwag mong gaming
04:20.6
ang pagbibili mo.
04:21.7
Like for example,
04:25.5
Pag nalungkot ka,
04:26.4
nabde-depress ka,
04:28.1
Pag super excited ka,
04:29.4
yun yung emotional spending,
04:30.9
iwasan din po natin yan.
04:33.2
kung gusto nyo talaga makaipon,
04:35.0
baka masyak po kayo.
04:36.2
Stop paying for unused subscription.
04:40.3
na hindi na natin ginagamit
04:41.7
na nagbabayad tayo.
04:43.0
naka-autodidact lang sa atin.
04:46.4
O, nagdi-gym ka pa ba?
04:47.5
Magkano per month?
04:49.0
O, at times 12 months,
04:51.8
Baka may mga subscription ka.
04:53.2
Like for example,
04:56.4
may Netflix ka na,
04:57.2
meron kang pangalawa pa.
04:58.2
Baka pwede mong bawasan.
05:00.1
Makakatipid ka rin dun.
05:03.2
kailangan i-avoid mo talaga ito.
05:05.3
Kung gusto mo talaga makaipon,
05:07.5
mag-build ka ng emergency fund.
05:10.1
Not building an emergency fund
05:12.3
na kukakainin yung ipon mo.
05:14.2
Pag wala kang emergency fund,
05:16.0
ano mangyayari po?
05:16.8
The moment you lose your job,
05:18.3
you lose your income,
05:20.0
Mapipilitang ka mang utang.
05:21.2
At pag nang utang ka,
05:22.2
magbabayad ka ng interest.
05:24.5
habang ikaw ay nagre-recover,
05:26.0
binabayara mo lang yung interest.
05:28.7
Dalawang binabayaran mo,
05:29.6
interest plus utang.
05:31.1
pag may emergency fund ka,
05:33.7
Wala kang babayaran na utang.
05:36.0
ang kailangan mo i-avoid is what?
05:37.7
Ignoring money-saving opportunities.
05:40.4
When you say money-saving opportunities,
05:42.4
i-check mo rin yung mga rewards
05:44.0
sa credit card mo.
05:45.2
Yung mga cashback offers,
05:46.5
ang dami na po mga cashback ngayon
05:48.3
na mga binibigay ng mga tinatawag na e-banks
05:50.7
na hindi mo alam na kumain ka pala sa restaurant,
05:53.2
may 50% discount na hindi mo kinamit.
05:56.2
So, in other words, mga friendship,
05:57.7
be mindful of these maling practices.
06:00.4
These are the 10 things.
06:01.4
Ulitin natin ang 10.
06:05.0
ignoring budgeting.
06:06.1
Hindi ka nagbabadget.
06:07.5
hindi mo tinatrack ang expense mo.
06:09.7
hindi ka nagkocompare,
06:10.9
hindi ka nagkakanvas.
06:13.8
minamax out mo yung credit card mo.
06:16.5
hindi ka nagne-negotiate.
06:18.5
nage-emotional spending ka.
06:20.4
nagbabayad ka ng mga subscription
06:21.7
na hindi mo kailangan.
06:23.2
wala kang emergency fund.
06:25.8
ini-ignore mo yung mga opportunities
06:28.3
na ikaw ay makatipid ng pera.
06:31.0
ito lang sabihin ko po sa inyo
06:32.1
sa lahat ng mga ka-iponaryos
06:33.5
who's watching this right now.
06:35.0
Gusto ko i-compute mo lang,
06:36.3
i-compute mo lang
06:37.1
kung magkano matitipid mo
06:38.7
sa mga tips na binigay ko po sa inyo.
06:42.9
Mamahalin nyo ako.
06:44.6
if you want to learn more about this,
06:46.8
this is only one of the things
06:48.0
that we discuss in our TYL community,
06:50.6
Dayayamanin Life Community.
06:53.0
isa sa mga matutunan nyo
06:54.4
at marami pa kayong matutunan.
06:56.0
At kung gusto nyo malaman,
06:57.1
ano yung nilalaman pa ng TYL community,
06:59.9
puntahan nyo na lang yung link namin.
07:01.5
Puntahan nyo na lang yung link namin.
07:02.8
Sumali na kayo sa aming group coaching session
07:05.2
at marami kayong matutunan.
07:07.1
Maraming maraming salamat.
07:08.8
ang tamang karunungan,
07:09.8
ang tamang disiplina,
07:10.8
ang susi sa pagyama.
07:15.7
Kaya ang magandang episode natin at
07:17.6
kaya maganda ito.
07:19.6
kailangan i-avoid mo talaga ito.
07:32.6
hindi mo minam...
07:34.9
Mamahalin nyo ako.
07:38.7
Thank you for watching.
07:40.8
If you want to suggest a topic or review
07:42.9
that you would like me to discuss on the next video,
07:45.0
please do comment below
07:46.1
para mabasa po namin.
07:47.8
Thank you very much
07:48.6
and I'll see you on our next video.
