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00:00.0
Pag hindi mo naisulat ito, ibig sabihin ayaw mong harapin at di mo alam kung ano nangyayari.
00:07.9
Ang pinag-uusapan natin dito, million.
00:11.9
Ito yung pinaka-best way para ikaw ay makalabas sa utang ngayon.
00:24.0
Kapatid, ikaw ba ay na-overwhelm na sa laki ng iyong utang?
00:28.0
Kapatid sa utang, kapos pa ang iyong kita at nawawalan ka na ng pag-asa.
00:33.2
Kung yan ang nangyayari sa iyo, you got to watch this episode.
00:36.9
Hi there, this is Chinkitan, your pambadsang wealth coach.
00:39.5
Maraming maraming salamat sa pag-tune in sa channel na ito,
00:42.1
yung channel ng mga eponaryo at mga paonlad.
00:44.2
I want you to imagine this, pag ikaw ay parang nakalakas sa isang kwarto.
00:48.6
At yung kwarto na ito ay talagang di ka makalabas kasi nga,
00:52.0
this room represents na ikaw ay talagang nakalakas sa utang.
00:57.3
Ang tanong mo, paano ka makakalabas?
00:59.4
Na hindi mo nalalaman na ikaw pala may hawak ng susi para ikaw ay makalabas sa sitwasyon na yan.
01:05.2
Ang goal po natin, and syempre sa ating buhay, is number one, matanggal ang ating utang
01:09.9
at maka-experience po tayo ng tawag na financial security and abundance.
01:15.0
Kaya mga friendship, para sa mga tao may pinagdadaanan po ngayon
01:18.0
na talagang matinding problema pagdating sa pera,
01:20.9
naintindihan ko yung pinanggalingan nyo at saka nararamdaman nyo bakit.
01:24.3
Ako rin po ay nagkaroon ng utang dati noong 2000.
01:27.3
2005, noong hospital ang aking misis.
01:30.0
Ang pinag-uusapan natin dito, million.
01:32.2
And then, syempre, pag ikaw ay nasa gitna ng ganitong sitwasyon,
01:35.6
ang parating tanong mo, meron pa bang pag-asa?
01:38.3
Makakalabas pa talaga ako.
01:39.6
Mukhang na-stress na ako, hirap na hirap na ako, na hindi ko alam kung ano ang dapat kong gawin.
01:44.8
Pero huwag kayong mawalan talaga ng pag-asa.
01:47.3
I'm here to really help you and to guide you right now kung ano man yung pinagdadaanan.
01:52.0
And the reason why I'm doing this is because may sumulat po sa akin and I want just to keep it anonymous.
01:57.3
Sinabi niya talaga na nawawala na siya ng pag-asa at talagang gulong-gulo na siya.
02:01.1
Oo, sabi nga niya, hinubog na ako sa utang, hindi ko po alam kung paano ko makakaalis.
02:06.4
Kumakapit na lang ako sa mga tinatawag na OLA, yung mga online app na talagang nagpapa-utang.
02:14.0
At yung sumasahod po ako pero kulang na kulang.
02:16.7
Hindi ko na rin alam kung paano ko makakaalis sa sitwasyon na yun.
02:19.6
Sana matulungan mo ko.
02:21.0
Nang dahil sa email na ito or let's say sa text na ito, kaya nga gumawa po ako ng isang,
02:27.1
napaka-simpleng step-by-step guide on how to help you.
02:30.2
At kung kayo po ay nasa ganun sitwasyon, please listen.
02:33.7
Una, hinga muna. Hinga.
02:36.1
And then, kailangan po natin harapin ang problema. Yes.
02:40.4
Running away or avoiding the problem will not solve the problem, it will just make the problem go worse.
02:45.5
Kasi lalo na kung online app po siya, mga friendship, ang dami pong hidden charges niyan.
02:50.7
Mga first week or 10 days nang, alam mo ba, kung ikaw ay nangutang ng mga 1,000 pesos,
02:55.7
pwedeng maging 1,400 na igad ng utang mo, may 40% increase na agad.
03:01.0
Antin din yan, mga friendship.
03:02.7
Kaya nga, it's very important that you should assess and analyze where you are really right now.
03:08.8
Ang kailangan mo gawin, kumuha ka ng mga information.
03:11.6
Sulat mo lahat talaga ng iyong mga utang.
03:14.5
Number two, yung income mo versus expenses.
03:17.9
Talagang gumawa ka na talaga. Dapat isulat. Huwag mong i-memorize.
03:21.4
Pag hindi mo na isulat ito, ibig sabihin ayaw mong harapin at di mo alam kung ano nangyayari.
03:22.9
Pag hindi mo na isulat ito, ibig sabihin ayaw mong harapin at di mo alam kung ano nangyayari.
03:23.9
Pag hindi mo na isulat ito, ibig sabihin ayaw mong harapin at di mo alam kung ano nangyayari.
03:26.3
Kaya kailangan po, kung po pwede, humingi na kayo ng tulong sa mga tao na pwede kayong tulungan para maisulat at mailista.
03:32.9
Ang pinakamahirap talaga sa totoo lang is harapin talaga ang iyong problema para masolusyonan ito.
03:38.7
That's the first step that you need to do.
03:41.0
Ganun lang po kasimple ito. Yes, it's simple but it's not easy.
03:44.5
Step number two, kailangan mong gawin is create a debt repayment plan.
03:49.0
Okay, when you say create a debt repayment plan,
03:51.4
kailangan alamin mo kung magkano talaga isulat ito.
03:52.9
Kung magkano talaga ang iyong utang, diba?
03:55.5
Like for example, lahat ng mga interests, diba?
03:58.1
Like for example, ito yung mga utang mo, susulat mo sa isang column.
04:01.4
Interest, kung magkano, diba?
04:03.7
Yung pinakamataas sa pinakamababa.
04:05.8
Okay, yan ang unang gagawin mo.
04:07.4
And then ang gagawin po natin, pagka nasulat niyo na iyon,
04:10.2
kailangan gumawa na tayo ng debt repayment plan.
04:12.7
Magkano po ang kaya niyong bayaran on a monthly basis?
04:17.0
Okay, ang sagot na naman sa akin,
04:18.7
Sinky, wala na ako pang bayad.
04:20.1
Yes, ngayon mo sinasabi yan.
04:21.7
But if you really look at it,
04:22.9
look at it deeply, meron ka pang bayad.
04:25.5
At the same time, ito lang, magbigay lang ako ng konting idea.
04:28.8
Number one, tumingin ka muna sa mga gamit sa bahay niyo
04:31.1
at ibenta niyo muna.
04:32.1
That's number one.
04:33.1
Number two, pwede ka magbawas ng gastusin.
04:36.1
Like for example, every peso count to ah.
04:38.4
Huwag ka muna bibili ng mga wants mo, need ka muna.
04:41.5
Wala mo ng online shopping, wala mo na yung drinks,
04:44.5
kape, milk tea, o wala mo ng eating out.
04:47.6
Lahat ng mga yan, gastusin mo yan.
04:49.7
Ay naku, yan muna itabi mo.
04:51.9
Like for example,
04:52.5
kakain ka sa labas, 500 pesos.
04:54.7
Eh kung apat na beses ka lang kumain sa isang buwan,
04:57.5
2,000 na yan times 12 months, 24,000.
05:00.4
So yung 24,000 pesos, for the meantime,
05:02.7
you can put it to good use to pay off your debt.
05:05.4
Does it make sense?
05:06.4
And then make minimum payments.
05:08.3
Basta mabayar mo kahit pa kaunti-kunti.
05:10.7
Yan ang dapat mong gawin.
05:11.8
Aside from the tip that I'm giving you,
05:14.2
ito yung pinaka best way para ikaw ay makalabas sa utang ngayon.
05:17.7
Look for ways to increase your income.
05:20.4
Like for example, maghanap ka ng gig,
05:22.5
not naman sideline, diba?
05:24.8
Mag-BA ka, mag-freelance ka, diba?
05:27.8
Every peso that you earn ay talagang mahalaga po yan
05:30.5
para mabayaran ng utang nyo.
05:31.9
Kaya ang katatanungin ko eh, si Dave Amukis, no?
05:35.9
Test home at the same time, Rodolfo TV.
05:38.6
Sana naman eh wala tayong utang.
05:41.0
And then step number three, ito yung pinakamahalaga.
05:43.7
Kailangan po natin back to basic po tayo.
05:46.1
When you say back to basic,
05:47.3
kailangan po natin matuto talaga mag-budget.
05:51.2
We need to learn how to,
05:52.5
manage our money wisely.
05:53.9
Siyempre, yung budgeting system po natin,
05:55.9
yung abundance formula,
05:57.4
income minus savings equivalent to expense.
06:00.2
Income, savings, and expense.
06:02.0
Income muna tapos magtabi ka muna.
06:03.6
Yung pagtatabi mo,
06:05.1
isama mo na doon ang pagbayad mo ng utang, diba?
06:09.5
Kailangan talaga, priority mo talaga makalabas sa utang.
06:12.3
Or else, you will live in constant stress.
06:14.9
And then, ang kailangan mo lang gawin talaga
06:19.7
seek professional advice,
06:21.1
magtanong ka sa mga tao na talaga,
06:22.4
ang dating libog sa utang na nakalabas,
06:24.3
kung anong diskarte nila.
06:25.5
And I'm one of the best person that you can talk to.
06:28.6
Because, yun din naman nangyari sa akin.
06:31.1
Alam mo, it took me,
06:32.2
in this scenario,
06:32.9
it took me three years to pay off that debt.
06:35.7
Kaya nga ulitin ko mga friendship,
06:37.0
anong unang gagawin mo?
06:39.1
Assess and analyze your situation.
06:41.6
mag-create ka ng tinatawag ng debt repayment plan,
06:46.2
kung ano yung mga tinatabi mong pera,
06:48.9
And maybe some of you are asking,
06:50.9
paano ba yung system na yan?
06:52.4
Chinky, actually,
06:54.0
you can just read it from this book.
06:55.8
Itong tinuturo ko po sa inyo,
06:57.4
actually, kagaling to sa libro na ito,
06:59.2
yung sinasabi ko po sa inyo,
07:00.8
yung debt repayment plan system,
07:02.3
nandito na rin po.
07:04.0
Yan, may guide na rin po siya.
07:06.4
Itong book ng Utang Free Diary.
07:09.0
Kaya nga, alam mo,
07:10.2
after hearing this information,
07:11.8
there's several ways to do it.
07:15.2
Isa walang bahala mo ito.
07:16.8
That's number one.
07:17.6
And then, mag-trial and error ka na lang.
07:20.0
Subukan mo na lang ulit.
07:22.2
Alam mo, pag yan ang ginawa mo,
07:23.8
if you keep on doing the same thing over and over again,
07:26.2
you get the same result.
07:29.0
just like what I shared to you right now.
07:30.8
And then, itong proven strategy na sinergo po sa inyo,
07:34.0
subukan nyo muna.
07:35.8
Wala namang mawawala.
07:36.8
Remember, my friend,
07:38.6
Huling paalala ko sa inyo.
07:40.0
Itong paglabas sa utang,
07:41.6
hindi po ito overnight.
07:43.2
Kasi nga, it took you years to get into this.
07:45.6
It may take you years, also quite some time,
07:47.6
to get out of this.
07:48.6
Be patient with yourself.
07:50.6
Stay committed in this journey.
07:52.2
At kung na-overwhelm and nade-discourage ka na,
07:55.0
please reach out for support.
07:57.0
You don't have to do this alone.
07:58.8
Hindi mo kailangan mag-isa.
08:00.2
Kaya nga, para sa mga taong gusto na may katuwang
08:03.0
at gusto mo akong makausap personally,
08:05.0
may good news ako.
08:06.2
I'm going to organize a group coaching session
08:08.4
focused on empowering people who are in this situation
08:12.0
and who wants to build.
08:13.2
Yung talagang gusto mo kalabas sa utang,
08:15.2
gusto talagang mag-budget,
08:16.6
at gusto na talagang maayos ang financial future.
08:19.0
Itong program na ito,
08:20.2
may kasama tayong community
08:21.6
where we can learn from each other,
08:23.2
share experiences,
08:24.4
and grow together in our financial journey.
08:27.4
So, if you are interested to know more about this
08:30.0
group coaching session na kasama po ako,
08:32.2
okay, please just check out the description na lang below
08:35.8
or sa comment section.
08:36.8
And FYI, seats are limited and this is only by invitation.
08:40.6
So, if you're interested, check them out.
08:42.4
Tatandaan, ang tamang karunungan, ang tamang disiplina,
08:45.8
ang susi sa pag-iyaman.
08:51.6
Thank you for watching.
09:04.2
If you want to suggest a topic or review
09:06.4
that you would like me to discuss on the next video,
09:08.4
please do comment below para mabasa po namin.
09:11.2
Thank you very much and I'll see you on our next video.
