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00:00.0
Pero pag irregular ang expenses mo at ginastason, tapos ka, yari ka.
00:07.4
Kung wala kang ipon, for that, uutangin mo, i-charge mo sa credit card, yari ka talaga.
00:20.3
Nahirapan ka ba mag-budget? Nahirapan ka ba mag-track ng expenses mo?
00:24.1
Hindi mo na alam kung paano umabalansihin ang kinikita at ginagasos mo.
00:28.7
Nako, good news! In this episode, we're going to talk about 10 things you should avoid doing when it comes to budgeting.
00:35.3
Hi there, this is Chinky Tan. Nako, usapang budgeting tayo, budgeting mastery.
00:40.2
Alam mo, sa episode po natin na ito, pag-usapan natin how you can unlock the secrets to successful budgeting.
00:46.7
Okay, alam nyo, ito lang, nakaka-stress talaga.
00:49.9
Pagka nagbabudget na po, syempre naman lalo nung kung kapos ka.
00:53.3
At alam na alam mo talaga, yung gastos mo ay higit pa sa kinikita mo.
00:57.5
And we've all gone through that. Ako, pinagdaan po rin yan.
01:01.0
Pero, you know what? Life will be less more stressful, less stress if you have the ability to manage and budget your money well.
01:09.5
And that is what I want to happen for you.
01:11.9
Kaya nga, ito lang gagawin po natin. Instead of teaching you what to do, meron naman tayo ibang module for that.
01:17.2
Ang gagawin ko po sa episode na ito, 10 things that you should avoid doing para hindi masira ang budget mo.
01:23.6
Number one, guesstimating. Ano yung guesstimating?
01:29.6
Inuhulaan mo lang kung magkano ang gastusin mo.
01:32.6
Kaya nga, minsan may nakausap ko.
01:34.2
Paano ka ba nagbabudget? Well, depende sa ATM po.
01:37.0
Ano ibig sabihin? Pinapasok ko yung ATM card ko, kung ano yung nakita ko sa loob ng ATM ko, yan ang binabudget ko.
01:42.1
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?
01:49.7
No. You cannot rely on guessing.
01:51.9
Di ba? Kailangan you have to track your expenses.
01:54.4
Kailangan i-review mo kung magkano talagang income mo.
01:57.5
At magkano talagang tunay yung mga gastusin.
01:59.5
Never do that. Never guess.
02:01.5
Number two, para maayos talagang budget mo, maniwala ka. Avoid this.
02:05.5
Neglecting small purchases.
02:07.5
Alam mo, ito lang. Atin-atin lang.
02:08.5
Ang nakakapatay talaga sa gastusin, hindi yung upa, kuryente, at tubig.
02:12.5
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?
02:19.5
O, like for example, yung mga C2, di ba?
02:22.5
Ting, Cobra, Samurai, 20 pesos yan.
02:24.5
Araw-arawin mo lang, one bottle a day.
02:26.5
Kahit mayroon ka.
02:27.5
Mineral water, one bottle a day.
02:28.5
30 days multiplied by 20 pesos.
02:30.5
That's 600 a month times 12 months.
02:32.5
7,200 a year yan.
02:35.5
O may kakilala kayo naging Yossi.
02:37.5
Sampung piso lang.
02:38.5
Maka dalawang stick, 20 a day.
02:40.5
600 a month, 7,200.
02:41.5
Tubig at Yossi, 14,000 a month.
02:44.5
O, imagine mo. Kung minimum wage earner ka, 14,000 na pupunta sa tubig at Yossi pa lang.
02:49.5
Kaya ang nakakapatay sa gastusin, yung mga maliliit.
02:52.5
Third, we should avoid doing talaga.
02:54.5
Ignoring irregular or infrequent expenses.
02:56.5
When you say irregular, yung wala sa plano, wala sa budget, tapos ginagastus mo.
03:03.5
Kasi ito lang ang reality.
03:05.5
Income is limited, expenses are unlimited.
03:08.5
Income is fixed, pero expenses is not fixed.
03:11.5
Nagyayalang friend mo na mag-sum you, 500 na yun.
03:14.5
500? Eh kung wala sa budget yun.
03:16.5
Wala naman problema pag nga sa budget.
03:18.5
Pero pag irregular ang expenses mo at ginagastuson, tapos ka.
03:22.5
Yari ka. Sira ang budget.
03:23.5
Number four na kailangan natin iwasan.
03:25.5
Failing to review and adjust.
03:27.5
Ang budgeting kasi, moving yan eh.
03:29.5
Hindi naman one-time task lang yan.
03:31.5
Alam mo, kahit maganda ang plano natin, minsan nasira.
03:34.5
Okay, like for example, bigla na lang nagkasakit ang pamilya.
03:37.5
O kung nagkasakit, o sira na budget mo.
03:39.5
Diba? Kailangan mag-adjust ka.
03:41.5
Yung siguro travel fund nyo muna, gagamitin mo muna for medical fund.
03:45.5
Ganun po talaga. Kaya kailangan mag-adjust.
03:48.5
Number five na kailangan natin iwasan.
03:50.5
Not setting realistic goals.
03:52.5
Alam mo, pag nagbabudget po tayo, no?
03:54.5
Kailangan maging tapat ka eh. Be honest with yourself.
03:57.5
Kung kaya mo ba talaga ang gusto mo o hindi.
03:59.5
Like for example, gusto namin mag-travel.
04:01.5
O, Disneyland. Hong Kong Disneyland.
04:03.5
Sa totoo lang, meron ka bang perang naipon? Diba?
04:06.5
Another discussion yan.
04:07.5
Parang kung wala kang ipon, for that, uutangin mo,
04:10.5
i-charge mo sa credit card, yari ka talaga.
04:12.5
Alam mo, mangyari yan, ending yan, travel na upulubi later ka.
04:15.5
So, dapat, meron kang tinatawag na funds.
04:18.5
Kung wala kang funds, instead na mag-Hong Kong ka sa Disneyland,
04:22.5
baka kailangan mong mag-enchanted muna.
04:24.5
Number six na kailangan po natin iwasan pag tayo po inagbabudget.
04:28.5
Ignoring the importance of tracking and monitoring.
04:31.5
Ito lang mga friendship.
04:32.5
Kailangan mo i-track ang iyong gastusin.
04:35.5
Bakit? You got to know where your money is going
04:38.5
in order for you to know where you're heading.
04:40.5
Dalawa lang financial direction natin.
04:41.5
Financial freedom or financial disaster.
04:44.5
Pag hindi mo tinatrack yan, financial disaster yan. Maniwala ka.
04:47.5
Kasi bigla na lang, ang dami natin posibleng gastusin. Agree?
04:52.5
Number seven na kailangan mo i-avoid.
04:54.5
Parang hindi ka nagbabudget especially when you're a couple
04:56.5
failing to communicate and involve others.
04:59.5
Pag meron kang asawa, meron kang magulang or ano,
05:02.5
eh kailangan sama-sama kayo nag-uusap tungkol sa budget.
05:05.5
Bakit? Kasi many are your plans pero yung mga iba may ibang plano rin.
05:10.5
Diba ang plano mo magtipid, ang plano naman niya gumastos.
05:12.5
Or ang plano naman niya, eh may mabayaran siya, eh plano mo mag-gumastos.
05:16.5
Nakigets nyo. Kaya kailangan mag-usap po kayo sa budget.
05:18.5
Lalo na kung kayo mag-asawa. Always remember, every spending decision must be an agreed decision.
05:23.5
The eighth thing that you should avoid when it comes to budgeting,
05:26.5
not allowing flexibility.
05:28.5
Kasi ang goal ng budget, it's a guide.
05:30.5
Diba? Pero nagbabago minsan ang mga sitwasyon.
05:33.5
Lalo na kung may emergency.
05:34.5
Like, huwag naman po sana.
05:36.5
Naumpog ang ulo ni baby o ng anak mo, tapos biglang nagdurugo.
05:39.5
I-rush natin si baby sa hospital. Bakit? Nasa budget ba yan? I-budget mo na yan.
05:46.5
Neglecting saving for emergency fund.
05:49.5
Ayan na. O yun. Yan ang sabi ko.
05:51.5
Huwag naman po sana.
05:52.5
Mawala ng work, mawala ng trabaho. Ay, ano mangyayari?
05:54.5
Nga nga. O pag nga nga, ano mangyayari?
05:56.5
Mapipilitang ka, mangutang.
05:57.5
Pag nangutang ka, ano mangyayari?
05:59.5
So imagine mo ha, nangutang ka, magbabayad ka na ng interest.
06:03.5
Diba? Nakaka-stress na yun.
06:05.5
Tapos at the same time, wala ka pang trabaho, mangungutang ka ulit para maghanap ka ulit ng trabaho.
06:10.5
Tapos habang ikaw ay nagtatrabaho, nagbabayad ka ng utang.
06:13.5
Nakaka-stress yun.
06:14.5
Tenth thing, and this is the most important thing I do believe na you should not do when it comes to budgeting.
06:19.5
Allowing failures and discouragement to stop.
06:21.5
Encouragement to stop you.
06:22.5
Ang budget is a long-term commitment.
06:24.5
At saka, somewhere down the road, our roads are gonna cross again.
06:28.5
And it doesn't really matter, men.
06:29.5
Diba? Ibig sabihin, somewhere along the road, kasi talagang magkakaroon tayo ng mga setbacks.
06:33.5
Akala mo, palabas ka na sa utang. Akala mo, mababayaran mo na bigla na lang may nangyari.
06:37.5
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?
06:45.5
Hulitin nga natin ang sampung nating iwasan para hindi masira ang budget nyo.
06:52.5
Yung mga maliit na gastusin nyo nakakapatay.
06:54.5
Ignoring yung mga irregular na mga expenses.
06:57.5
Yung bigla-biglaan.
06:58.5
Number four, failing to review and adjust.
07:01.5
Number five, hindi realistic ang goals mo.
07:03.5
Number six, hindi ka nagmamonitor.
07:06.5
Number seven, hindi mo ini-involve mga mahal mo sa buhay sa budgeting.
07:10.5
Number eight, hindi ka flexible.
07:12.5
Number nine, hindi ka nag-iipon para sa emergency fund.
07:15.5
And last, magbilis ka ma-discourage.
07:17.5
Alam mo, among the ten, let me ask you this question.
07:20.5
Type nyo na lang sa comment section.
07:21.5
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.
07:28.5
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.
07:38.5
So if you want to learn more about Dayayaman in Life,
07:40.5
ano ba itong group coaching na ito, by invitation lang ito,
07:43.5
i-click nyo na lang po sa comment section.
07:45.5
So maraming maraming salamat po.
07:47.5
Thank you very much for tuning in.
07:49.5
As I always say in my program,
07:51.5
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.
08:04.5
Thank you very much and I'll see you on our next video.
08:19.5
Thank you for watching!
