00:40.2
What is the root? Ano ba ugat ang nagkukos ng financial stress mo?
00:45.2
Is it talaga income? Is it because of overspending?
00:48.5
Dahil wala kang budget, nami-mismanage mo siya, wala kang ipon
00:51.4
or if not, ikaw ay may utang
00:54.3
and chances are for people who are in debt
00:58.0
Nag-uumpisa yan, hindi naman malaki yung utang
01:00.6
and then nag-uumpisa yan, they are always in denial
01:05.0
na hindi nilang napapansin na i-ignore nila for a few weeks, for a few months
01:09.6
bigla na lang siyang, boo, sasabog
01:11.8
at pag sumabog na, it's too late already to fix it
01:14.5
So right now, even before na talaga sumabog na malaki
01:17.5
Okay, allow me to discuss with you what are the 10 signs if you are already in deep financial debt
01:24.3
na papel at ballpen, I want you to create a stick
01:26.6
mag-score tayo kung anong score mo
01:29.0
Number 1 sign, you only pay the minimum payments sa mga bills mo
01:33.0
Sa mga bills mo, lalo na sa credit card, minimum lang minabayad mo
01:37.1
kasi yun lang afford mo, hindi mo kaya magbayad in full
01:40.1
At alam po naman natin, if we don't pay in full, we pay extra charges, mga interest
01:45.4
Number 2, na ma-max out mo na yung mga credit cards mo
01:48.6
Hindi lang isa, nagagamit mo na yung pating pangalawa, sagad na sagad na po siya
01:52.8
Hmm, second sign na po yun
01:54.3
Third sign, meron ka ng mga tinatawag na insufficient fund
01:58.7
Yung parang deposit is not enough
02:01.0
So yun pong nangyayari, nag-issue ka ng check, nagbabounce na po siya
02:06.5
Or if not naman, sa credit card mo, since max out na decline ang transaction
02:10.3
That's another sign
02:11.7
Hmm, nakakailang score ka na kapatid
02:14.2
Pang-apat po, you have the tendency also not to open your bills already and statements
02:19.9
Dahil alam mo, medyo kapos ka at di mo na kayang bayaran
02:24.3
Hindi mo na po natatra kung magkano ang utang mo at sino ang pinagkakautangan mo
02:31.4
Sign that you are in deep financial debt
02:33.6
Nangungutang ka na ulit para magbayad ng utang
02:36.7
Nangungutang ka kay B para pambayad kay A, nangungutang ka kay C pambayad kay A and B
02:44.3
Wala ka ng savings, ubus na ang iyong emergency fund
02:48.9
Nag-a-apply ka ulit ng panibagong loan sa panibagong financial institution
02:52.7
Or nangunghiram ka na sa mga levy, nangungutang ka na sa mga levy, nangungutang ka na sa mga levy
02:54.3
Pending up ha, para ikaw ay makabayad sa utang
02:59.2
Nakakatanggap ka na ng mga demand letter at may mga taong nanghaharas na sa'yo na kailangan mo na magbayad
03:07.6
You're always living in constant stress and you are worrying about your financial situation
03:14.0
Na hindi ka na nakakatulong, hindi ka na nakakain, hindi ka na nakakadiscount ka na ng tama
03:18.4
Kaya nga from 1 is to 10, I just want to ask you again
03:28.0
Max out credit card
03:29.5
Decline ng transaction or magbabounce ng check
03:32.8
Hindi mo na tinitingnan ng bills
03:35.5
Hindi mo na alam kung magkano utang mo at ilan ang utang mo
03:39.0
Nangungutang ka na para mabayad ng utang
03:41.5
Wala ka ng emergency fund, wala ka ng savings
03:44.7
Nag-a-apply ka ng panibagong loan or punta ka ng letting up
03:49.5
May mga demand letter na
03:52.7
You're always in constant stress and you're worrying about your financial situation
03:54.3
From 1 is to 10, please be honest right now, put your score in the comment section
03:59.6
Kung kayo po ay nasa 1 to 3, you're still in the safe zone, you're still in a good place
04:04.3
Pero pag ikaw ay nasa 7 up to 10 na, you're not in a not so good place
04:08.9
It's time for you to face the music and then face it head on
04:14.0
Pag pinabayaan po natin, marami pong mga negative effects na mangyayari
04:17.9
Number 1 is the mental, emotional, and health issue
04:21.9
Siyempre magiging mentally and emotionally stressed out
04:24.3
And then majority of the decision that you're going to make is going to be a wrong one
04:28.6
So you are super stressed, you're desperate already
04:31.2
And then on top of that, you'll be paying off monthly, not the principal, but you're paying off the interest payment
04:38.3
Sakit nun, interest ang binabayaran mo
04:41.1
And then huwag naman po sanan umabot po na mawala ang lahat ng pinagpaguran mo
04:46.3
Yung sasakyan mo, yung bahay mo, yung pinag-ipunan mo, yung jewelry mo
04:50.5
And then not only that, siyempre
04:53.2
Kung pinagkakataon mo, yung pinag-ipunan mo, yung jewelry mo
04:54.3
Sa utangan po natin ng ating mga kaibigan at kamag-anak
04:57.1
There's a tendency na masira po ang ating panganan, reputasyon, at relasyon sa kanila
05:01.9
Which we don't want that to happen
05:03.9
And to the point, huwag naman na aabot ka sa palcropsy
05:10.6
At siyempre pag naubos na lahat, magiging dependent ka na sa ibang tao
05:14.7
Pag naging dependent ka na sa tao, yan ay yung pinaka-lowest mo
05:17.8
There will be a feeling of shame, guilt, and hopelessness
05:22.8
That's the reason why guys
05:24.3
If you are not yet in that situation, you still have hope
05:27.7
And if you are in this situation, I just described from 1 to 10, talagang perfect score ka
05:33.9
I highly recommend that you really
05:36.2
Unsolicited lang lang ito, it's up to you guys
05:38.7
You talk to someone
05:40.5
Makipag-uusap ka na sa tao, sa professional
05:42.7
Huwag kayong mahiya na humingi ng tulong
05:45.3
This is the time na not for you to be alone
05:48.3
This is the time for you to really ask for help
05:50.5
For some people who are going through tough times right now
05:54.3
I really want to help you
05:55.4
I want to create a special session for you guys
05:59.1
Private session to
06:00.8
Gagawa tayo ng workshop
06:02.0
Papasulat ko talaga sa inyo lahat yung mga kailangan nyong gawin
06:05.4
Para matulungan ko kayo
06:06.6
Para makalabas sa ganitong sitwasyon
06:08.7
I know this is something personal
06:10.2
Kaya nga gagawin natin ito privately, not publicly
06:13.3
So if you are interested in that special session
06:16.8
Which I am going to do pa
06:19.5
Just type na lang I'm interested in the comment section
06:23.3
So I'm going to do that
06:24.3
So babalikan ko po yung mga sagot na yan
06:26.4
And I will send you a link
06:27.5
This is a free session
06:28.6
This is my service for you guys
06:30.9
Para makatulong lang
06:33.0
And maibsan lang yung tinatawag nating pangamba, stress
06:38.0
At hindi mo alam po ano gagawin mo
06:40.2
But this is the least that I can do
06:42.0
And the good news is this
06:43.0
This is the good news is this
06:44.1
There's still hope
06:46.2
If you're willing to fix it
06:48.0
I cannot fix it for you
06:49.4
But you must take the first initiative and take the first step
06:52.7
So if you are ready
06:54.1
I'm excited for you guys
06:56.3
And that's the reason why
07:00.1
Do me a favor also
07:01.5
Send this video also
07:02.6
To your friends and relatives
07:04.3
Who are going through tough times and challenges right now
07:07.3
Especially kung may utang sila
07:09.0
I believe this video can help them
07:11.4
Mag-comment na lang kayo sa comment section
07:13.1
Kung may mga iba pa kayong gustong sabihin
07:16.2
Tamang karunungan
07:18.1
Ang susi sa pagyaban
07:24.1
Thank you for watching!
