00:35.2
nag-struggle ka na sa situation mo, at parang overwhelmed ka na,
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hindi mo na alam kung paano ka mag-uumpisa muli.
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If this is your situation right now, you got to watch this video.
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Hi there, this is Chinky Tan, your Pambansang World Coach.
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Maraming salamat sa pag-support sa channel na ito, sa episode natin na ito.
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I'm gonna teach you on how you can recover from financial loss.
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And the reason why I'm doing this video,
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kasi maraming pong sumusulat po sa akin.
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Nalugi ang negosyo na scam, nawalan ng trabaho.
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Alam nyo, ito lang, hindi ko lang pwedeng i-disclose sa mga pangalan nila,
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pero super dami sila.
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Kaya kung ikaw ang isa sa mga nakaka-relate, please, tapusin itong episode na ito.
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This episode is specifically dedicated for you, okay?
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So anong gagawin po natin pag tayo po ay nawalan ng pera, naubusan ng pera,
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nalugi ang pera, na scam ang ating pera?
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Number one, ito po.
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It's not more on the financial state, kasi ang pera pwede mong kitain.
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Pero alam mong matindi niyan, yung trauma.
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Yung trauma na nidudulot sa iyo, na pag na-scam ka, na sinasabi mo,
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ang tanga-tanga ko, pag nalugi ka, ano ko, hindi talaga sa akin pang negosyo.
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Yung parang nagkakaroon ka ng tinatawag na depression and sense of hopelessness.
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So anong una natin gawin para makarabangon tayo muli?
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Ito po, number one, acknowledge and accept.
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That's the first step to recovery, na tanggapin mo na ikaw ay na-scam.
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Okay lang na maramdaman mo na ikaw ay galit.
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Ikaw ay parang sinisisilis.
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Isin mo yung sarili mo, nagkakaroon ka ng despair,
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or if not, natatakot ka na mag-umpisa muli.
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But ito lang pakiusap ko, friendship.
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As a friend, acknowledge.
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It's okay for you not to be okay.
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It's okay for you to make mistakes.
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Kasi nandyan na eh.
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Pwede mo bang i-undo yan?
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Ito lang po pakiusap ko po sa inyo.
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Stop blaming yourself.
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Grabe talaga in the sense na, siyempre, nasaktan ka na, niloko ka na,
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tapos hindi na nagpakita, binablock ka na.
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Ang hirap din na makamove on.
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Kasi nga naisahan ka nga.
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Kasi hirap buhay mo, di ba?
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Pero ito lang po ah, kailangan matuto sa pagkakataon na ito.
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Learn how to move on.
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Sinky, it's easier said than done. Yes, I know.
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Pero ito lang pakiusap ko.
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Bakit mo paparusahan ang iyong sarili sa pagkakamali ng ibang tao?
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Bakit mo paparusahan ang iyong sarili dahil sa kasamaan ng ibang tao?
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You deserve a better life.
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That's the reason why I want you to acknowledge and accept.
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Alam mo, itong mga susunod na sasabihin ko sa inyo,
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mas madali yan pag tinanggap nyo to.
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Okay, naloko na ako, naskam na ako.
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Analogi na yung negosyo ko.
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Ano na gagawin ko?
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Paano ko makaka-recover?
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That's the first one.
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Kung hindi maayos nyo to, mahirapan tayo sa next step.
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Okay, ito na yung practical.
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Sige, in-admit ko na.
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Let's assess the situation.
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Kumuha ka ng papel, ball pen, sulat mo talaga.
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Magkano talaga yung utang mo?
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Magkano yung nawala sa'yo?
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Okay, sulat mo lahat, di ba?
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Magkano yung income mo?
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Magkano yung gastusin mo?
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Magkano yung babayaran mong utang?
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I'm sure may babayaran kang utang.
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This will help you to be able to see the clear picture.
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At palaki na yung picture mo.
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Nagkakaroon ka ng clearer understanding.
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Okay, itong reality.
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Kung nahirapan ka, please get someone na talagang pinagkakatiwalaan mo
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to help you out, no?
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Na ma-assess itong sitwasyon mo.
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Create a recovery plan.
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Eh, wala na tayo magagawa.
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Yung tinatawag natin na debt repayment plan, di ba?
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When you say debt repayment plan, paano ka makakabayad na sa utang?
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Based on your monthly income, sa monthly income mo,
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magkano ang pwede mong ibayad sa utang mo?
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At alam ko, nakakatakot at nakaka-overwhelmed na kung mukhang taon to,
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kung makang forever ka nababayaran.
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Mas maganda na nag-umpisa ka kaysa't iwasan mo.
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Lalo ka may stress.
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So, gumawa na tayo ng debt repayment plan.
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At kung kayo ay nahihirapan, di nyo alam kung paano mag-umpisa,
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I suggest, read this book, Utang Free Diary.
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Dahil meron nang dito ang sistema on the debt repayment plan system.
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Yung step-by-step guide.
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Yung magkano utang mo, magkano interest,
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paano mo babayaran, nandito na yung diskate.
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Just read this book.
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So, aside from that, pagkatapos yan,
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nakamayagaw lang ng debt repayment plan,
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sabay mo na, build an emergency fund.
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Gain natin yung financial stability po natin.
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Anong ibig ko po simihin?
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Sabay mo, habang nagbabayad ka ng utang,
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nagbibuild ka ng emergency fund.
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Para pagdating ng panahon,
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pagka nagkaroon ng emergency, may pera ka.
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Kasi, imagine mo, nagbabayad ka ng utang,
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nakawala ka na sa utang,
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tapos wala kang emergency fund,
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tapos nagkaroon ka ng emergency ulit,
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mangungutang ka ulit,
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pabalik ka sa zero.
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So, ulitin ko ha,
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magbayad ka ng utang,
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tapos gumawa ka ng emergency fund,
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and then ito ang pinaka-best na solution for this.
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Para matapos talaga ang problema mo.
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As a matter of fact,
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kapag nagawa mo ito,
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yung emergency fund mo,
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mapupunan yung utang mo,
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Ha? Talaga, Chinky?
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Yes. Anong gagawin?
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Ito yung best na discard, eh.
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Increase your income.
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Maghanap ka ng pamamaraan
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para madagdagan yung income.
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Mag-part-time ka.
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Mag-freelance work ka.
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Magbenta ka ng mga gamit na hindi mo kailangan.
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Mag-start ka ng negosyo.
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Yan ang gawin mo.
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Kasi pag tumaas ang income mo,
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automatic, mababayaran mo yung utang mo.
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Automatic, ma-fulfill up mo yung emergency fund mo.
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May pag-asa, friendship,
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kaya nga, Ryan, Makaspak, Nick, Rabaya,
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at the same time, Grace, Villa Gomez.
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At habang ginagawa po natin,
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ano pong gagawin natin to recover?
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Alam mo, maganda po lahat ng mga ginagawa natin
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sa pagsinulat mo natin sa papel.
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Ito, mangyayari, ito mangyayari.
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pag ginawa nyo na po,
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magbabago na po siya.
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Kaya, we need just to learn how to adjust,
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adapt, be resilient, never give up.
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Huwag kang magpatalo, kapatid.
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Labanan natin to, kaya natin to.
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And then last but not the least,
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kung kayo nahihirapan,
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seek professional help.
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Humingi kayo ng tulong.
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Kung kailangan nyo,
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kung mausap sa mga counseling agencies
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or mga financial advisors,
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mga kakilala nyo,
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Huwag na kayong mahiya
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na humingi ng tulong.
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Hindi lang sa pinansyal,
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kundi talaga kung anong gagawin mo.
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pag ikaw ay nandito sa sitwasyon na yun,
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there are two things that you can do it.
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Number one, you can do it the hard way.
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Paano yung hard way?
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O sige, i-ignore mo lang itong emotions mo.
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Hindi, kaya ko to.
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wala kang gagawin.
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Alam mo, ito yung reality.
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You will stay stuck in your situation.
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You will remain sad, disappointed, and depressed.
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And you will continue to blame yourself.
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Hindi ka na makakaprogress.
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okay, may mali talaga ako.
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kailangan kong patawarin yung sarili ko.
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Patawarin yung sarili ko
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sa pagkakamali na ginawa ko.
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start all over again
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by applying step two up to step
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in the last step I told you.
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I hope that this content
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has really helped you.
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So sana mo makatulong to sa inyo
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financial journey.
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hindi ka bibigyan ng problema
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na hindi mo kayang lagpasan.
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namang kailangan ng tulong,
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you need really a guide,
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I would like to extend
07:03.3
an invitation to you.
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Magkakaroon po ako
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ng group coaching session,
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to be able to help you
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to thresh out your financial concern.
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Kung kayo ay interesado
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group coaching session,
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which will happen soon,
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I want you to go to
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the description section
07:17.5
and fill up a form.
07:20.8
kung may opening pang slots,
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kung kayo ay papasok
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sa coaching session.
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limited lang ito,
07:28.1
by invitation lang po ito,
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hindi ko sigurado
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na lahat ay ma-accommodate ko,
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So if you're interested,
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please go to the comment section
07:35.8
and fill up the form.
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hindi ito obligasyon,
07:39.3
this is an opportunity
07:41.1
who wants to really talk to me,
07:42.9
magkakaroon tayo ng session,
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ng group coaching session,
07:45.1
and wants to have
07:45.9
a hand-on learning experience.
07:48.5
Again, maraming maraming salamat.
07:50.0
Thank you very much
07:51.6
I'm really so blessed
07:52.5
that you are watching this channel
07:54.4
and you are supporting this channel
07:55.7
and you are subscribing this channel.
07:57.9
tamang karunungan,
07:59.6
ang susi sa pagyaman.
08:01.0
Thank you for watching.
08:02.9
If you want to suggest
08:03.8
a topic or review
08:05.0
that you would like me
08:05.8
to discuss on the next video,
08:07.1
please do comment below
08:08.2
para mabasa po namin.
08:10.0
Thank you very much
08:11.4
on our next video.
08:14.1
Thank you for watching!
