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00:00.0
Gusto mo ba ang matutong mag-budget?
00:04.3
Yes, lahat man tayo gusto.
00:05.8
Pero ang tanong, bakit hanggang ngayon,
00:07.6
sira pa rin ang budget mo?
00:09.4
Kung gusto nyo malaman,
00:10.3
we are going to talk about
00:11.1
the 10 common budgeting mistakes.
00:20.4
Isa po sa natutunan ko yung
00:24.9
spend within your means.
00:27.0
Kasi yung mga teacher po,
00:29.1
karamihan po sa amin na
00:31.8
para po hindi na po
00:34.1
dumaan pa sa ganong pangyayari.
00:36.8
Kung ano lang po yung kinikita,
00:38.4
yun lang po yung in-spend.
00:40.4
Share your story with us.
00:42.3
Now, here's Chinky Tan.
00:43.9
Hi there, this is Chinky Tan,
00:45.4
your Pambansang Wealth Coach.
00:47.1
Super exciting to.
00:48.2
Usapang budgeting to.
00:50.5
Hindi ba to weird?
00:51.7
Parang syempre kakasweldo lang natin
00:53.5
ang feeling natin,
00:54.4
ang yaman-yaman natin.
00:58.4
pero the following day,
00:59.7
nako, feeling poor na po tayo.
01:01.9
Hindi natin na-allocate
01:03.4
at nababudget ng tama.
01:06.3
kung ikaw parating bago
01:07.5
pag mga 15 at 30,
01:09.6
medyo nanganganib na,
01:11.1
baka ginagawa mo na yung
01:12.1
10 common budgeting mistakes.
01:14.3
i-check po natin, ha,
01:15.3
reality check tayo
01:16.2
kung guilty kayo o hindi.
01:18.3
Kumuha kayo ng papel at ballpen,
01:20.1
gumawa tayo ng checklist.
01:22.6
budgeting mistake is what?
01:24.4
Ignoring financial reality.
01:26.9
kung magkano talaga
01:29.3
hindi mo rin talaga alam
01:30.6
ang tunay mong kinikita.
01:34.6
harapin ang katotohanan
01:37.5
na talaga mas malaki
01:38.5
ang iyong gastusin
01:39.6
kesa iyong kinikita.
01:41.5
Ito lang mga friendship,
01:42.8
pag hinayaan mo yan,
01:43.7
it will become a vicious cycle.
01:45.3
Ang mangyayari po niyan,
01:46.8
pag kulang utang,
01:52.0
That's number one,
01:53.1
common budgeting mistakes.
01:56.3
o budgeting mistake.
01:58.3
yung mga malilit na expenses
01:59.7
na hindi mo napapansin
02:03.3
Like for example,
02:04.7
yung mga malilit na expenses,
02:06.3
iinom tayo ng mga
02:07.1
favorite drinks natin
02:08.2
from 50 to 200 pesos a day.
02:11.3
Pupunta ka lang sa 7-Eleven,
02:13.0
yung mga pabilibili mo lang
02:16.4
lagyan na tayo ng 100 a day.
02:19.0
that's 3,000 a month.
02:21.9
that's 36,000 in a year
02:24.1
na hindi mo napapansin.
02:25.3
E paano kung kumikita ka lang
02:28.3
Months of your salary
02:29.4
na pupunta sa mga
02:33.1
naman talaga kailangan.
02:34.4
That's the second.
02:36.7
Third budgeting mistake
02:37.8
na probably guilty ka
02:39.5
Fearing financial discussion.
02:41.8
Hindi nyo pinag-uusapan
02:47.8
sa mga magulang ninyo.
02:49.1
Hindi kang tinuruan.
02:50.7
I can still remember
02:53.1
nagpapasalamat ako
02:56.4
namulat kami sa katotohanan
02:57.8
na kailangan talaga
02:58.6
pag-usapan ng pera.
03:00.3
on the negative side
03:01.6
din naman nangyari yan.
03:04.7
bata-bata pa sila,
03:06.2
pinag-uusapan pera,
03:09.4
bedtime stories pa natin,
03:12.0
yung pag-uusapan pera
03:15.8
pinag-uusapan nyo ba
03:18.4
Kung hindi nyo pinag-uusapan yun,
03:22.2
magkakaroon ng problema.
03:28.4
Sinong guilty sa inyo?
03:30.2
hindi mo naman kailangan
03:32.3
kasi may discount,
03:34.2
Yung parang feeling mo
03:35.1
na talaga nakakatipid ka
03:37.1
hindi ka naman nakakatipid.
03:38.7
ang tanong pa natin,
03:40.2
yung bago ka bumili,
03:41.6
I think this is a good question
03:43.6
need to ask ourselves.
03:44.8
Is this really a need
03:47.2
kasama ba ito sa budget
03:49.5
at di kasama sa budget,
03:50.6
pag-isipan muna natin.
03:53.9
okay, budgeting mistake
03:54.9
is not setting financial goals.
03:57.4
Kasi pag wala kang goal sa buhay,
03:60.0
wala kang purpose,
04:01.1
wala kang direction.
04:02.1
Imagine mo ang ganito,
04:03.4
pumunta ka ng supermarket
04:05.9
kung anong bibilin mo.
04:07.5
Ikot ka lang ng ikot,
04:09.3
Kung ano makita mo,
04:14.3
na hindi mo kailangan.
04:15.4
Kumpara kung meron kang listahan.
04:17.1
Kung may listahan ka,
04:18.0
oh, kailangan ko ng peanut butter,
04:19.4
kailangan ko ng mantika,
04:20.5
kailangan ko ng asukar,
04:21.4
kailangan ko ng kape.
04:22.3
Naka-checklist siya.
04:24.0
sa financial goals.
04:25.1
Pag wala kang financial goals,
04:27.8
that you will buy the things
04:29.2
that you don't need,
04:30.2
you just really want.
04:31.3
Pero kailangan unahin mo natin
04:32.5
essentials natin.
04:33.4
Does it make sense?
04:34.4
If I'm making sense right now,
04:36.1
please type make sense
04:37.2
sa comment section.
04:38.0
And then number six na po tayo
04:39.1
kung bakit ubos po
04:40.0
ang ating budget,
04:41.2
sira ang ating budget,
04:42.3
abusing your credit cards.
04:45.0
nag-o-overuse ka na.
04:46.3
And a gentle reminder lang naman ha,
04:48.2
walang masama na gumamit
04:49.9
as long as you can pay
04:51.0
everything in full.
04:52.6
pag binabayaran mo lang
04:53.6
yung minimum required,
04:54.8
mababaong ka talaga sa utang,
04:57.2
magbayad ka ng payment fees,
04:59.7
late payment fees,
05:01.0
tapos yung mga finance charge.
05:05.3
the credit card trap.
05:08.3
nagkakaroon ng budgeting mistakes,
05:11.1
kung ano ang needs and wants.
05:13.6
when I say hindi mo alam,
05:15.0
actually alam mo.
05:16.2
But you don't allow logic
05:18.1
to make the decision for you.
05:20.2
You allow your emotion
05:21.8
to do the decision for you.
05:25.4
logic and emotion,
05:27.5
emotion always wins.
05:29.7
Ano ibig sabihin?
05:31.6
masikit na pantalon mo
05:34.5
pagpasok mo sa opisina
05:35.6
at sinabi sa'yo ng boss mo,
05:37.2
kakain tayo sa Viking,
05:46.1
When it comes to spending,
05:48.3
kailangan ko na mag-ipon,
05:50.4
pag may nakita kang
05:52.9
anong gagawin mo?
05:56.4
let's go to number 8.
05:59.3
na ikaw ay nagkakaroon
06:00.6
ng budgeting mistake,
06:03.2
prioritize savings.
06:07.9
and then savings.
06:09.8
bago ka nag-iipon.
06:12.3
gimmick mo talaga,
06:15.3
ni pisong-duling,
06:17.2
Income is always limited
06:19.5
always unlimited.
06:21.3
ang mindset po natin,
06:22.4
income minus savings,
06:26.1
bago ka gumastos.
06:29.9
Ayan, dalawa na lang tayo.
06:32.4
kung gil ka na hindi.
06:34.1
Resisting change.
06:35.3
Ayaw mong magbago.
06:38.2
ginajustify mo parati,
06:40.8
pinagpagurang ko to,
06:43.4
I will not question
06:44.6
kung ano yung reason mo.
06:45.9
Let's just talk about
06:48.0
Happy ka ba sa resulta
06:49.7
Happy ka ba sa resulta
06:51.6
Happy ka ba sa resulta
06:56.6
gusto mo bang magbago o hindi?
06:57.9
Hindi kita pwede pilitin.
06:59.0
My job is only to
07:04.5
ikaw pa rin ang magde-decide.
07:05.7
And last but not the least,
07:06.8
pat nahihirapan ka mag-budget
07:07.9
and budgeting mistake
07:09.0
because hindi mo alam
07:10.4
kung ano gagawin mo.
07:11.3
You don't seek financial advice.
07:15.4
na alam na natin ang lahat
07:17.7
kung talagang yung alam mo
07:18.8
ay makakatulong sa'yo,
07:20.2
dapat financially free ka na.
07:22.7
Wala ka ng financial stress, right?
07:24.7
So, agree or disagree?
07:26.9
kung ikaw ay dumadaan pa rin
07:28.0
sa financial stress,
07:30.5
this is between you and me.
07:32.8
ang iyong kaalaman
07:34.0
o may mali kang ginagawa.
07:35.6
Yan ang parating tanong ko sa akin
07:37.8
Nung mali tang kita ko,
07:40.0
Nung lumaki ang kita ko,
07:41.0
stress pa rin ako.
07:41.8
So, ibig sabihin,
07:43.1
may problema ako.
07:46.1
check nyo na lang ito ah,
07:47.4
itong sampu na ito.
07:48.9
I want us to really reflect on this.
07:51.4
Baka guilty ka na na
07:52.3
hindi mo na alam.
07:54.6
ang iyong financial reality
07:56.1
that you're spending more
07:57.1
than what you're making.
07:58.6
ini-ignore mo yung mga malilit
08:02.0
ayaw mo pag-usapan ang pera.
08:05.2
on the non-essential
08:07.8
hindi lang sa kailangan.
08:10.0
wala kang financial goals.
08:12.1
sobrang paggamit mo
08:15.2
yung needs and wants.
08:17.3
hindi mo pinaprioritize
08:21.3
hindi ka humihingi
08:22.4
ng financial advice.
08:24.3
from one to ten right now,
08:25.6
I want you to think,
08:29.6
Anong pwede mong baguhin
08:30.8
kung gusto mo na magbago?
08:34.4
para sa mga taong
08:35.4
medyo lost pa rin.
08:37.4
where you're going,
08:40.4
I highly recommend
08:41.4
that you join this channel,
08:43.3
subscribe ka sa channel na ito,
08:45.5
my other social media.
08:47.1
Marami naman tayong
08:50.0
also to subscribe.
08:52.4
our Ipon Naryo Movement
08:54.3
Facebook page po.
08:55.2
Nako, marami kayong
08:57.2
Maraming maraming salamat po.
08:58.6
Sana naman na-enlighten
08:59.5
naman kayo sa episode
09:01.1
Kung na-enlighten kayo,
09:02.9
And also tatandaan,
09:05.7
ang susi sa pagyaman.
