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At alam na alam mo talaga, yung gastos mo ay higit pa sa kinikita mo.
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And we've all gone through that. Ako, pinagdaan po rin yan.
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Pero, you know what? Life will be less more stressful, less stress if you have the ability to manage and budget your money well.
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And that is what I want to happen for you.
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Kaya nga, ito lang gagawin po natin. Instead of teaching you what to do, meron naman tayo ibang module for that.
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Ang gagawin ko po sa episode na ito, 10 things that you should avoid doing para hindi masira ang budget mo.
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Number one, guesstimating. Ano yung guesstimating?
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Inuhulaan mo lang kung magkano ang gastusin mo.
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Kaya nga, minsan may nakausap ko.
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Paano ka ba nagbabudget? Well, depende sa ATM po.
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Ano ibig sabihin? Pinapasok ko yung ATM card ko, kung ano yung nakita ko sa loob ng ATM ko, yan ang binabudget ko.
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Ay nako, if that is the way you budget, maniwala ka.
01:45.8
Kung paano kung this month 10,000, next month 5,000 na lang, ganun ka ba magbudget?
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No. You cannot rely on guessing.
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Di ba? Kailangan you have to track your expenses.
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Kailangan i-review mo kung magkano talagang income mo.
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At magkano talagang tunay yung mga gastusin.
01:59.5
Never do that. Never guess.
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Number two, para maayos talagang budget mo, maniwala ka. Avoid this.
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Neglecting small purchases.
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Alam mo, ito lang. Atin-atin lang.
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Ang nakakapatay talaga sa gastusin, hindi yung upa, kuryente, at tubig.
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Ang nakakapatay sa gastusin, yung mga maliliit na mga gastos natin na di natin nililista.
02:17.5
Sample, bumibili ka ba ng ready to drink?
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O, like for example, yung mga C2, di ba?
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Ting, Cobra, Samurai, 20 pesos yan.
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Araw-arawin mo lang, one bottle a day.
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Kahit mayroon ka.
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Mineral water, one bottle a day.
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30 days multiplied by 20 pesos.
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That's 600 a month times 12 months.
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7,200 a year yan.
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O may kakilala kayo naging Yossi.
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Sampung piso lang.
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Maka dalawang stick, 20 a day.
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600 a month, 7,200.
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Tubig at Yossi, 14,000 a month.
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O, imagine mo. Kung minimum wage earner ka, 14,000 na pupunta sa tubig at Yossi pa lang.
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Kaya ang nakakapatay sa gastusin, yung mga maliliit.
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Third, we should avoid doing talaga.
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Ignoring irregular or infrequent expenses.
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When you say irregular, yung wala sa plano, wala sa budget, tapos ginagastus mo.
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Kasi ito lang ang reality.
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Income is limited, expenses are unlimited.
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Income is fixed, pero expenses is not fixed.
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Nagyayalang friend mo na mag-sum you, 500 na yun.
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500? Eh kung wala sa budget yun.
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Wala naman problema pag nga sa budget.
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Pero pag irregular ang expenses mo at ginagastuson, tapos ka.
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Yari ka. Sira ang budget.
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Number four na kailangan natin iwasan.
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Failing to review and adjust.
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Ang budgeting kasi, moving yan eh.
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Hindi naman one-time task lang yan.
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Alam mo, kahit maganda ang plano natin, minsan nasira.
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Okay, like for example, bigla na lang nagkasakit ang pamilya.
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O kung nagkasakit, o sira na budget mo.
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Diba? Kailangan mag-adjust ka.
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Yung siguro travel fund nyo muna, gagamitin mo muna for medical fund.
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Ganun po talaga. Kaya kailangan mag-adjust.
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Number five na kailangan natin iwasan.
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Not setting realistic goals.
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Alam mo, pag nagbabudget po tayo, no?
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Kailangan maging tapat ka eh. Be honest with yourself.
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Kung kaya mo ba talaga ang gusto mo o hindi.
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Like for example, gusto namin mag-travel.
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O, Disneyland. Hong Kong Disneyland.
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Sa totoo lang, meron ka bang perang naipon? Diba?
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Another discussion yan.
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Parang kung wala kang ipon, for that, uutangin mo,
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i-charge mo sa credit card, yari ka talaga.
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Alam mo, mangyari yan, ending yan, travel na upulubi later ka.
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So, dapat, meron kang tinatawag na funds.
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Kung wala kang funds, instead na mag-Hong Kong ka sa Disneyland,
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baka kailangan mong mag-enchanted muna.
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Number six na kailangan po natin iwasan pag tayo po inagbabudget.
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Ignoring the importance of tracking and monitoring.
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Ito lang mga friendship.
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Kailangan mo i-track ang iyong gastusin.
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Bakit? You got to know where your money is going
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in order for you to know where you're heading.
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Dalawa lang financial direction natin.
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Financial freedom or financial disaster.
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Pag hindi mo tinatrack yan, financial disaster yan. Maniwala ka.
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Kasi bigla na lang, ang dami natin posibleng gastusin. Agree?
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Number seven na kailangan mo i-avoid.
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Parang hindi ka nagbabudget especially when you're a couple
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failing to communicate and involve others.
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Pag meron kang asawa, meron kang magulang or ano,
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eh kailangan sama-sama kayo nag-uusap tungkol sa budget.
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Bakit? Kasi many are your plans pero yung mga iba may ibang plano rin.
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Diba ang plano mo magtipid, ang plano naman niya gumastos.
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Or ang plano naman niya, eh may mabayaran siya, eh plano mo mag-gumastos.
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Nakigets nyo. Kaya kailangan mag-usap po kayo sa budget.
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Lalo na kung kayo mag-asawa. Always remember, every spending decision must be an agreed decision.
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The eighth thing that you should avoid when it comes to budgeting,
05:26.5
not allowing flexibility.
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Kasi ang goal ng budget, it's a guide.
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Diba? Pero nagbabago minsan ang mga sitwasyon.
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Lalo na kung may emergency.
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Like, huwag naman po sana.
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Naumpog ang ulo ni baby o ng anak mo, tapos biglang nagdurugo.
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I-rush natin si baby sa hospital. Bakit? Nasa budget ba yan? I-budget mo na yan.
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Neglecting saving for emergency fund.
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Ayan na. O yun. Yan ang sabi ko.
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Huwag naman po sana.
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Mawala ng work, mawala ng trabaho. Ay, ano mangyayari?
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Nga nga. O pag nga nga, ano mangyayari?
05:56.5
Mapipilitang ka, mangutang.
05:57.5
Pag nangutang ka, ano mangyayari?
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So imagine mo ha, nangutang ka, magbabayad ka na ng interest.
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Diba? Nakaka-stress na yun.
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Tapos at the same time, wala ka pang trabaho, mangungutang ka ulit para maghanap ka ulit ng trabaho.
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Tapos habang ikaw ay nagtatrabaho, nagbabayad ka ng utang.
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Nakaka-stress yun.
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Tenth thing, and this is the most important thing I do believe na you should not do when it comes to budgeting.
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Allowing failures and discouragement to stop.
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Encouragement to stop you.
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Ang budget is a long-term commitment.
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At saka, somewhere down the road, our roads are gonna cross again.
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And it doesn't really matter, men.
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Diba? Ibig sabihin, somewhere along the road, kasi talagang magkakaroon tayo ng mga setbacks.
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Akala mo, palabas ka na sa utang. Akala mo, mababayaran mo na bigla na lang may nangyari.
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Kaya kailangan po maintindihan po natin, make adjustments.
06:41.5
Ang goal po natin when it comes to budgeting is inaayos mo na. Diba?
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Hulitin nga natin ang sampung nating iwasan para hindi masira ang budget nyo.
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Yung mga maliit na gastusin nyo nakakapatay.
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Ignoring yung mga irregular na mga expenses.
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Yung bigla-biglaan.
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Number four, failing to review and adjust.
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Number five, hindi realistic ang goals mo.
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Number six, hindi ka nagmamonitor.
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Number seven, hindi mo ini-involve mga mahal mo sa buhay sa budgeting.
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Number eight, hindi ka flexible.
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Number nine, hindi ka nag-iipon para sa emergency fund.
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And last, magbilis ka ma-discourage.
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Alam mo, among the ten, let me ask you this question.
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Type nyo na lang sa comment section.
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Sa palagay nyo, saan kayo guilty?
07:23.5
And I hope that this session of ours na na-enlighten po kayo.
07:26.5
And if you want, guys, ito lang.
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Kung gusto nyo pang matuto ng mga iba pang mga discarte,
07:32.5
these are one of the things that we are discussing in our group coaching community
07:36.5
called TYL, Dayayaman in Life.
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So if you want to learn more about Dayayaman in Life,
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ano ba itong group coaching na ito, by invitation lang ito,
07:43.5
i-click nyo na lang po sa comment section.
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So maraming maraming salamat po.
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Thank you very much for tuning in.
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As I always say in my program,
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ang tamang karunungan, ang tamang disiplina, ang susi sa pagyayaman.
07:55.5
Thank you for watching.
07:57.5
If you want to suggest a topic or review that you would like me to discuss on the next video,
08:01.5
please do comment below para mabasa po namin.
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Thank you very much and I'll see you on our next video.
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Thank you for watching!
