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00:00.0
Okay, naloko na ako, naskam na ako, analugi na yung negosyo ko, ano na gagawin ko?
00:06.2
Paano ko makaka-recover?
00:08.7
Learn how to adjust, adapt, be resilient, never give up.
00:12.1
Huwag kang magpatalo, kapatid.
00:13.9
Dabaan na natin to, kaya natin to.
00:23.9
Nalugi ba ang iyong negosyo?
00:25.5
Naskam ka ba at naubos ang iyong pera?
00:27.6
Alam nyo, itong pinakamasakit.
00:28.6
Alam mo, hindi yung nawala, pero yung mental, emotional, trauma, at the same time,
00:35.2
nag-struggle ka na sa situation mo, at parang overwhelmed ka na,
00:38.9
hindi mo na alam kung paano ka mag-uumpisa muli.
00:43.5
If this is your situation right now, you got to watch this video.
00:46.7
Hi there, this is Chinky Tan, your Pambansang World Coach.
00:49.3
Maraming salamat sa pag-support sa channel na ito, sa episode natin na ito.
00:52.8
I'm gonna teach you on how you can recover from financial loss.
00:55.9
And the reason why I'm doing this video,
00:57.5
kasi maraming pong sumusulat po sa akin.
00:59.8
Nalugi ang negosyo na scam, nawalan ng trabaho.
01:02.4
Alam nyo, ito lang, hindi ko lang pwedeng i-disclose sa mga pangalan nila,
01:05.9
pero super dami sila.
01:07.1
Kaya kung ikaw ang isa sa mga nakaka-relate, please, tapusin itong episode na ito.
01:11.5
This episode is specifically dedicated for you, okay?
01:15.4
So anong gagawin po natin pag tayo po ay nawalan ng pera, naubusan ng pera,
01:19.8
nalugi ang pera, na scam ang ating pera?
01:22.2
Number one, ito po.
01:23.3
It's not more on the financial state, kasi ang pera pwede mong kitain.
01:27.1
Pero alam mong matindi niyan, yung trauma.
01:29.0
Yung trauma na nidudulot sa iyo, na pag na-scam ka, na sinasabi mo,
01:32.6
ang tanga-tanga ko, pag nalugi ka, ano ko, hindi talaga sa akin pang negosyo.
01:37.2
Yung parang nagkakaroon ka ng tinatawag na depression and sense of hopelessness.
01:41.7
So anong una natin gawin para makarabangon tayo muli?
01:44.3
Ito po, number one, acknowledge and accept.
01:46.8
That's the first step to recovery, na tanggapin mo na ikaw ay na-scam.
01:52.8
Okay lang na maramdaman mo na ikaw ay galit.
01:55.6
Ikaw ay parang sinisisilis.
01:57.1
Isin mo yung sarili mo, nagkakaroon ka ng despair,
02:00.2
or if not, natatakot ka na mag-umpisa muli.
02:02.5
But ito lang pakiusap ko, friendship.
02:04.2
As a friend, acknowledge.
02:05.7
It's okay for you not to be okay.
02:07.9
It's okay for you to make mistakes.
02:09.7
Kasi nandyan na eh.
02:10.4
Pwede mo bang i-undo yan?
02:12.8
Ito lang po pakiusap ko po sa inyo.
02:14.7
Stop blaming yourself.
02:16.9
Grabe talaga in the sense na, siyempre, nasaktan ka na, niloko ka na,
02:20.5
tapos hindi na nagpakita, binablock ka na.
02:23.1
Ang hirap din na makamove on.
02:25.3
Kasi nga naisahan ka nga.
02:26.3
Kasi hirap buhay mo, di ba?
02:28.1
Pero ito lang po ah, kailangan matuto sa pagkakataon na ito.
02:31.7
Learn how to move on.
02:33.5
Sinky, it's easier said than done. Yes, I know.
02:35.7
Pero ito lang pakiusap ko.
02:37.0
Bakit mo paparusahan ang iyong sarili sa pagkakamali ng ibang tao?
02:41.6
Bakit mo paparusahan ang iyong sarili dahil sa kasamaan ng ibang tao?
02:46.1
You deserve a better life.
02:47.6
That's the reason why I want you to acknowledge and accept.
02:50.1
Alam mo, itong mga susunod na sasabihin ko sa inyo,
02:52.5
mas madali yan pag tinanggap nyo to.
02:54.1
Okay, naloko na ako, naskam na ako.
02:56.3
Analogi na yung negosyo ko.
02:57.5
Ano na gagawin ko?
02:58.7
Paano ko makaka-recover?
02:59.9
That's the first one.
03:00.8
Kung hindi maayos nyo to, mahirapan tayo sa next step.
03:04.2
Okay, ito na yung practical.
03:05.7
Sige, in-admit ko na.
03:06.9
Let's assess the situation.
03:08.5
Kumuha ka ng papel, ball pen, sulat mo talaga.
03:10.9
Magkano talaga yung utang mo?
03:12.5
Magkano yung nawala sa'yo?
03:13.7
Okay, sulat mo lahat, di ba?
03:15.2
Magkano yung income mo?
03:16.4
Magkano yung gastusin mo?
03:17.9
Magkano yung babayaran mong utang?
03:19.7
I'm sure may babayaran kang utang.
03:21.3
This will help you to be able to see the clear picture.
03:24.1
At palaki na yung picture mo.
03:25.3
Nagkakaroon ka ng clearer understanding.
03:27.7
Okay, itong reality.
03:28.7
Kung nahirapan ka, please get someone na talagang pinagkakatiwalaan mo
03:32.3
to help you out, no?
03:33.2
Na ma-assess itong sitwasyon mo.
03:35.9
Create a recovery plan.
03:37.5
Eh, wala na tayo magagawa.
03:38.7
Yung tinatawag natin na debt repayment plan, di ba?
03:41.5
When you say debt repayment plan, paano ka makakabayad na sa utang?
03:44.7
Based on your monthly income, sa monthly income mo,
03:47.3
magkano ang pwede mong ibayad sa utang mo?
03:50.3
At alam ko, nakakatakot at nakaka-overwhelmed na kung mukhang taon to,
03:53.6
kung makang forever ka nababayaran.
03:55.2
Mas maganda na nag-umpisa ka kaysa't iwasan mo.
03:57.7
Lalo ka may stress.
03:59.2
So, gumawa na tayo ng debt repayment plan.
04:01.0
At kung kayo ay nahihirapan, di nyo alam kung paano mag-umpisa,
04:04.3
I suggest, read this book, Utang Free Diary.
04:06.4
Dahil meron nang dito ang sistema on the debt repayment plan system.
04:09.8
Yung step-by-step guide.
04:11.9
Yung magkano utang mo, magkano interest,
04:14.4
paano mo babayaran, nandito na yung diskate.
04:16.3
Just read this book.
04:17.0
So, aside from that, pagkatapos yan,
04:19.2
nakamayagaw lang ng debt repayment plan,
04:20.9
sabay mo na, build an emergency fund.
04:23.6
Gain natin yung financial stability po natin.
04:26.1
Anong ibig ko po simihin?
04:27.3
Sabay mo, habang nagbabayad ka ng utang,
04:29.1
nagbibuild ka ng emergency fund.
04:30.7
Para pagdating ng panahon,
04:31.9
pagka nagkaroon ng emergency, may pera ka.
04:33.9
Kasi, imagine mo, nagbabayad ka ng utang,
04:35.8
nakawala ka na sa utang,
04:36.9
tapos wala kang emergency fund,
04:38.3
tapos nagkaroon ka ng emergency ulit,
04:39.9
mangungutang ka ulit,
04:40.8
pabalik ka sa zero.
04:42.2
So, ulitin ko ha,
04:43.2
magbayad ka ng utang,
04:44.3
tapos gumawa ka ng emergency fund,
04:46.6
and then ito ang pinaka-best na solution for this.
04:49.9
Para matapos talaga ang problema mo.
04:51.5
As a matter of fact,
04:52.1
kapag nagawa mo ito,
04:53.4
yung emergency fund mo,
04:54.4
mapupunan yung utang mo,
04:56.0
Ha? Talaga, Chinky?
04:57.1
Yes. Anong gagawin?
04:58.1
Ito yung best na discard, eh.
04:59.2
Increase your income.
05:00.2
Maghanap ka ng pamamaraan
05:01.3
para madagdagan yung income.
05:02.8
Mag-part-time ka.
05:03.8
Mag-freelance work ka.
05:05.0
Magbenta ka ng mga gamit na hindi mo kailangan.
05:07.0
Mag-start ka ng negosyo.
05:08.4
Yan ang gawin mo.
05:09.2
Kasi pag tumaas ang income mo,
05:10.7
automatic, mababayaran mo yung utang mo.
05:12.6
Automatic, ma-fulfill up mo yung emergency fund mo.
05:16.2
May pag-asa, friendship,
05:17.3
kaya nga, Ryan, Makaspak, Nick, Rabaya,
05:20.6
at the same time, Grace, Villa Gomez.
05:23.9
At habang ginagawa po natin,
05:25.4
ano pong gagawin natin to recover?
05:28.1
Alam mo, maganda po lahat ng mga ginagawa natin
05:30.7
sa pagsinulat mo natin sa papel.
05:32.2
Ito, mangyayari, ito mangyayari.
05:34.1
pag ginawa nyo na po,
05:35.2
magbabago na po siya.
05:36.3
Kaya, we need just to learn how to adjust,
05:38.5
adapt, be resilient, never give up.
05:40.8
Huwag kang magpatalo, kapatid.
05:42.6
Labanan natin to, kaya natin to.
05:44.9
And then last but not the least,
05:46.3
kung kayo nahihirapan,
05:47.3
seek professional help.
05:49.0
Humingi kayo ng tulong.
05:50.1
Kung kailangan nyo,
05:50.8
kung mausap sa mga counseling agencies
05:52.5
or mga financial advisors,
05:56.2
mga kakilala nyo,
05:58.0
Huwag na kayong mahiya
05:59.0
na humingi ng tulong.
06:00.4
Hindi lang sa pinansyal,
06:01.7
kundi talaga kung anong gagawin mo.
06:04.6
pag ikaw ay nandito sa sitwasyon na yun,
06:06.8
there are two things that you can do it.
06:08.3
Number one, you can do it the hard way.
06:09.8
Paano yung hard way?
06:10.9
O sige, i-ignore mo lang itong emotions mo.
06:13.5
Hindi, kaya ko to.
06:15.2
wala kang gagawin.
06:16.5
Alam mo, ito yung reality.
06:17.5
You will stay stuck in your situation.
06:19.5
You will remain sad, disappointed, and depressed.
06:21.9
And you will continue to blame yourself.
06:23.7
Hindi ka na makakaprogress.
06:26.7
okay, may mali talaga ako.
06:29.9
kailangan kong patawarin yung sarili ko.
06:32.4
Patawarin yung sarili ko
06:33.4
sa pagkakamali na ginawa ko.
06:36.7
start all over again
06:37.9
by applying step two up to step
06:40.4
in the last step I told you.
06:45.5
I hope that this content
06:46.9
has really helped you.
06:48.3
So sana mo makatulong to sa inyo
06:49.8
financial journey.
06:52.2
hindi ka bibigyan ng problema
06:54.4
na hindi mo kayang lagpasan.
06:57.8
namang kailangan ng tulong,
06:59.2
you need really a guide,
07:02.3
I would like to extend
07:03.3
an invitation to you.
07:04.8
Magkakaroon po ako
07:05.5
ng group coaching session,
07:07.2
to be able to help you
07:08.2
to thresh out your financial concern.
07:10.3
Kung kayo ay interesado
07:12.7
group coaching session,
07:14.1
which will happen soon,
07:15.5
I want you to go to
07:16.5
the description section
07:17.5
and fill up a form.
07:20.8
kung may opening pang slots,
07:24.3
kung kayo ay papasok
07:25.3
sa coaching session.
07:27.0
limited lang ito,
07:28.1
by invitation lang po ito,
07:30.1
hindi ko sigurado
07:30.9
na lahat ay ma-accommodate ko,
07:33.2
So if you're interested,
07:34.4
please go to the comment section
07:35.8
and fill up the form.
07:37.6
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,
07:44.1
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!
