00:37.6
Taas ng interest, feeling mo trapped ka na at di ka na makalabas.
00:41.3
Nako, alam mo, ito lang sabihin ko po sa inyo.
00:43.9
Pag binabayaran nyo lang po ang minimum amount sa credit card niyo, hulaan nyo ilang taon.
00:48.9
Pakitype lang sa comment section bago mo mabayaran ng buo ilang taon.
00:52.6
Sabi nyo mga 2, 3, 5, no, 7 years.
00:55.8
It will take you at least 7 years to pay your credit card.
00:59.6
So, you will realize 90% of the amount paid already, paid for interest.
01:03.1
10% lang pumunta sa principal.
01:05.1
So, kung kayo'y nawawalan po ng pag-asa, huwag kayo mawalan.
01:07.7
Because there's a solution.
01:09.2
Because to every problem, there's always a solution.
01:12.0
I would like to share with you in this video the 10 popular debt repayment strategies.
01:17.1
Kaya exciting po ito.
01:19.1
Ready ka na ba kung may utang ka?
01:21.0
Strategy number 1.
01:22.0
Sulat nyo ito ha.
01:22.6
Number 1, budgeting and cutting expenses.
01:26.8
Importante po na talaga.
01:27.9
Matuto ka na mag-budget.
01:28.8
Kapatid, wala na tayong pag-uusapan when you say budgeting is managing your income versus expenses.
01:33.9
You got to track your income versus your expenses.
01:36.4
Your income should be greater than your expenses.
01:38.7
If your expenses is greater than your income, negative ka.
01:41.6
Kaya importante po talaga, i-allocate natin yung ating pondo.
01:46.6
And probably some of you are saying,
01:48.4
Chinky, paano ko ba gagawin ma-manage yan?
01:51.0
Mamayong pag-uusapan ko, may papakita ko sa inyong tool and system that you can use.
01:54.4
Pero importante po, pag kayo po ay nagsusulat na ng inyong expenses,
01:58.8
alamin nyo kung ano ang dito ang needs, ano dito ang wants.
02:02.1
Needs, pangangailangan, wants, kagustuhan.
02:04.3
So anong gagawin po natin?
02:05.6
Cut down the wants muna.
02:07.1
Tanggalin mo muna kung may utang ka.
02:08.9
Wala mo nang kain sa labas.
02:10.3
Wala mo nang travel.
02:11.2
Wala mo nang birthday.
02:12.1
Wala mo nang Pasko.
02:13.2
Hindi, kung seryoso ka lang.
02:14.2
Kung hindi ka pa seryoso, okay lang.
02:16.0
Direksyon mo lang.
02:16.7
Wala lang mga problema eh.
02:17.8
Hindi naman ako may stressing.
02:19.3
Ang nai-stress naman yung naong may utang.
02:21.1
Kaya once you start cutting down already, malaking tulong po yan.
02:24.7
And probably some of you are saying,
02:26.6
Chinky, anong pwede kong gamitin na tool?
02:29.4
You can use this PISO planner.
02:31.1
This is a budgeting planner that I use and we use.
02:34.2
Sa mga students po namin, nandito na po yung budgeting system.
02:37.5
Income minus savings equivalent to expenses.
02:40.6
Dito ang gamitin nyo na to.
02:41.9
And then next also, yung mga frequently expenses para hindi nyo na makalimutan.
02:45.8
Ang mga due date, from water, electricity, diba?
02:50.6
Tapos masulat nyo na.
02:51.7
And good news about this planner, you can use it for three years.
02:58.1
And yung kagandaan ng planner to, may 60,000 ipon challenge yan.
03:01.2
So, you can use that tool.
03:02.7
Number two, second way for you to get out of debt is use the debt avalanche method.
03:07.6
Ano ba itong debt avalanche method?
03:09.4
Ang ibig sabihin po niyan, ang uunahin po natin is babayaran po natin yung pinakamataas na interest.
03:15.5
Kaya nga, ang kagandaan po niyan, kung binabayaran mo yung pinakamataas na interest,
03:19.3
makakaipong ka, diba?
03:20.8
Sa interest payment.
03:21.7
And then, syempre naman, alam po natin,
03:23.8
yung pinakamataas na interest yan, minsan, ang may pinakamataas na utang.
03:28.4
It may take you a longer time, but that's okay.
03:31.3
At least, tinatanggal mo muna yung pinakamahirap mong kalaban.
03:34.9
Lalo na yung mga 5-6.
03:36.5
Ba't ka magbabayad ng 20% per month kung kaya mo magbayad sa 5% per month?
03:41.4
So, nakatipid ka ng 15%.
03:43.0
Kaya unahin mo na matanggal yung 20% per month.
03:46.3
Pakitype, make sense.
03:47.5
Second strategy niyan, ha?
03:49.1
Let's go to the third strategy para makatulong sa inyo paglabas po sa utang.
03:52.9
Ang tinatawag naman,
03:53.8
is debt snowball method.
03:56.7
Ito naman, pabaligtad.
03:58.0
Ang gusto naman natin, mabawasan yung utang.
04:00.0
Kunyari, ang utang, nilista mo,
04:01.5
isang libo utang mo.
04:02.6
Na isang libong piswa.
04:03.8
Isang libong pinagkakautangan.
04:06.0
Sabihin mo, let's say, lima.
04:07.8
Uunahin mo muna sa lima, yung pinakamaliit.
04:11.0
Bakit pinakamaliit?
04:12.8
Kasi pag nabawasan yung pinakamaliit,
04:14.3
psychologically, apat na lang binabayaran mo.
04:17.5
Ang kagandahan po niyan, parang,
04:18.9
ay, naku, at least apat na lang.
04:20.3
This focus on building the confidence,
04:23.8
the tomb, and motivation
04:24.8
for you to get out of debt.
04:26.4
Baligtad po ito ng avalanche method.
04:28.2
Ang ba-avalanche, yung mataas na interest.
04:30.0
Dito naman, yung pinakamaliit na interest.
04:32.2
Number four, strategy.
04:34.0
And by the way, itong mga strategies na ito,
04:36.0
hindi nyo naman gagawin lahat.
04:37.1
Yan, pipili lang po kayo ng isa.
04:39.0
Suggestions lang itong mga ito.
04:40.6
Number four is what you call as
04:41.9
debt consolidation.
04:43.2
Ang ibig sinong na debt consolidation,
04:45.3
lahat na mga utang mo,
04:47.3
instead na limang kausap mo,
04:49.4
isa na lang kausap mo.
04:50.4
And, but I do suggest, ito lang po.
04:52.6
Gagamitin lang natin itong
04:53.8
debt consolidation method
04:55.4
if this is your last.
04:58.1
Hindi ka mangungutang para pambahid
05:00.4
mangungutang ulit pambahid isang utang,
05:01.9
that will not solve the problem.
05:03.7
You cannot solve a permanent problem
05:05.8
with a temporary solution.
05:07.5
You can't solve a permanent problem
05:09.3
with a permanent solution.
05:10.8
Ito po ginagawa po natin,
05:12.1
the reason why gusto na natin
05:13.2
isa na lang na kausap,
05:14.2
para hindi na limang kausap mo,
05:15.6
hindi ka maistress.
05:16.7
Diba? Nagigets nyo?
05:17.8
Yan ang debt consolidation.
05:18.9
And then, number five,
05:20.4
ang pwede natin gawin
05:21.3
para makabayad talaga tayo sa utang
05:24.6
Kailangan mong makipag-usap,
05:26.7
kailangan mong humarap.
05:28.2
Hindi mo pwedeng iwasan
05:29.8
ang mga taong pinagkakautangan mo.
05:32.2
Alam mo, ang pinakamahirap niyan,
05:34.0
yung ikaw na may utang,
05:35.6
ikaw pa nagtatago,
05:37.9
Anong pakiramdam?
05:39.1
May tao may utang sa'yo
05:40.0
at sila pa umiiwas.
05:41.5
Pero ang kagandahan niyan,
05:42.7
kung ikaw willing ka makipagharap sa tao
05:45.7
you humble yourself.
05:47.1
Sabihin mo talagang,
05:47.8
hindi ko kaya talaga magbayad,
05:49.0
ito lang kaya ko.
05:50.0
Paano ako makakabayad?
05:51.3
Paano kita matutulungan?
05:53.0
Ikaw nga gagaan ang kalooban.
05:54.6
Ito, importante yun na
05:56.0
negotiate for lower rates,
05:57.8
tanggalin na siguro sana
05:59.0
yung mga interest
06:00.2
or putulin na yung interest.
06:01.8
Hanggang dito na lang,
06:02.8
tapos ito na yung babayarang.
06:05.3
Eh, baka magalit,
06:06.9
Kinausap mo na ba?
06:08.2
Ay, kasapin mo muna.
06:09.2
So, next question ko,
06:10.4
bago pa tayo pumuntan,
06:12.3
And I hope that you will finish this
06:14.3
kasi yung pang-shab
06:15.3
ang pinakamahalaga.
06:16.5
I just like to say hi to
06:23.3
Number 6 na pwede nyong gawin,
06:25.1
which other credit card company offers,
06:27.2
is called balance transfer cards
06:29.7
or balance loan, di ba?
06:32.7
Kasi may mga ibang cards
06:34.1
charges 3.5% interest per month.
06:37.8
Pero may mga iba,
06:39.9
na mga less than 1% lang per month.
06:42.3
Pag tinansfer mo yung balance mo,
06:44.2
di ba, mas mababa.
06:45.2
Or check mo kung ano yung ino-offer nila.
06:47.1
This can provide temporary relief
06:49.1
if you use this strategically.
06:50.7
Again, the goal is not for you
06:53.8
para mabayaran nyo ulit ang utang.
06:55.8
The goal is for you to minimize
06:57.5
the impact of the interest rate.
06:59.7
Number 7 strategy na probably
07:01.7
na hindi mo pinapansin
07:03.3
that can help you, kapatid.
07:06.0
Sell any used items,
07:10.3
Sell your jewelry.
07:12.6
Sell your cell phone.
07:14.1
Kahit ano, i-benta mo na.
07:15.8
Pag may nabenta ka,
07:16.8
anong gagawin mo sa pera?
07:17.9
Bayan mo sa utang.
07:18.9
Ang kagandahan dito,
07:19.7
like for example,
07:20.3
kung may credit card debt ka,
07:22.5
mayroon kang jewelry.
07:24.3
Kahit benta mo palagi,
07:26.0
kumita ang jewelry mo ng 42%.
07:28.3
Paano nangyari yung chinky?
07:29.5
Kasi hindi ka na masisingil
07:30.7
ng credit card ng 42% per year
07:32.8
kasi bayad ka na.
07:33.9
Kumita ng jewelry mo.
07:36.5
Everybody say grabe.
07:37.5
Nabibigyan ka na ba ng pag-asa?
07:39.2
O yung mga taong na lubog sa utang,
07:41.1
na kung maniwala kayo.
07:42.3
Number 8 is what we call as
07:43.9
one time, big time,
07:45.1
windfall payments.
07:46.0
Anong ibig sabihin po nito?
07:47.3
Minsan, bigla na lang
07:48.3
magkakaroon tayo ng bonus,
07:49.5
magkakaroon tayo ng project
07:50.6
na hindi natin inaasahan.
07:51.9
May magbibigay sa atin ng pera.
07:53.3
Anong gagawin mo?
07:54.2
Hindi mo na naman ipang siya shopping,
07:56.0
hindi mo ipang babakasyon yan,
07:57.7
ipang babayad mo sa utang.
07:59.9
Grabe to, mga friendship.
08:01.7
O huwag na natin patagalin.
08:02.8
Number 9 na tayo.
08:04.2
Ito yung sinasabi ko,
08:05.0
number 9 ang matindi.
08:06.2
Talaga makakapagbayad talaga
08:07.6
lahat ng utang mo.
08:08.6
O, handa ka na ba?
08:10.7
Ito talaga ang pinaka-best na solusyon.
08:12.5
Increasing income.
08:13.6
Seek additional income.
08:17.5
Use that extra income
08:18.9
to accelerate your debt payment.
08:21.8
Grabe naman yan, mga friendship.
08:23.4
Pag kumita ka ng dagdag,
08:25.0
again, huwag mo i-change ang lifestyle mo.
08:26.9
Bayaran mo agad yung utang mo.
08:28.7
Pag kumita ka ng 50,000,
08:30.2
bayad agad ng utang.
08:32.0
bayad agad talaga ng utang.
08:33.5
And last but not the least,
08:34.8
which I don't recommend,
08:36.0
kasi pag ginawa mo to,
08:37.0
hindi ka na makakabangon,
08:38.0
mahirap ka magbangon.
08:40.1
Legal process to discharge
08:41.8
lahat ng mga utang mo,
08:43.3
pero ang problema,
08:46.5
mahirap ka na magnegosyo.
08:47.9
Kasi wala ka na nga utang,
08:49.7
kasi wala ka moral responsibility
08:51.4
or legal responsibility,
08:53.2
pero ang problema,
08:55.0
Wala na magpapautang sa'yo.
08:57.8
Tatakbuhan ka lang yan.
08:59.0
Kaya nga, mga friendship,
09:02.8
Kaya parang sa mga taong lubog sa utang,
09:04.6
huwag kayo mawala ng pag-asa.
09:06.1
Tignan nyo, sa sampu na ito,
09:07.4
marami na ako natulungan,
09:08.3
katulad ni Cincia Feliza.
09:09.5
Isa akong ipunarano,
09:10.8
nakaipo ng unti-unti,
09:11.9
nakalabas ako sa 4 milyon na naman.
09:14.0
4 milyon na naman kanyang pinagkakautangan.
09:17.0
totally debt-free,
09:18.1
paid house and lot
09:19.3
at the age of 24.
09:25.8
isang kaipunaryo nakabayad ng utang
09:29.4
si Gay Ann Mandoniedo.
09:32.6
O, hindi pa ba to sapat?
09:35.9
mga friendship sa mga taong lubog sa utang
09:38.0
at gusto nyo talaga ng tulong,
09:41.1
Are you ready to transform your journey?
09:44.6
We have a community called the TYL Community.
09:48.1
Ano ba itong TYL?
09:50.1
O, kung anong i-reveal ko na sa inyo.
09:52.0
Pero sa TYL Community,
09:53.3
we will help you to hit your financial goals.
09:56.1
Because we have a proven system
09:57.7
na fina-follow po namin.
09:59.1
Ang system na yan,
10:00.1
is tinatawag na blank method.
10:02.1
Again, secret na naman ano yung method na yan.
10:04.3
Pero assured yan,
10:06.2
May expert support kami.
10:07.7
At the same time,
10:08.6
meron kami yung group coaching
10:10.0
and accountability.
10:11.7
kung gusto nyo malaman,
10:12.7
ano ba itong TYL Community,
10:20.1
para sa mga taong talagang
10:21.3
na-encourage sa session na ito,
10:23.4
cut-paste this link,
10:24.6
share to people na may mga utang
10:26.3
at para sila ay mabawasan
10:27.7
ng financial stress,
10:29.4
sa sampung sinuggest ko dito,
10:30.9
isa na ang solusyon
10:32.1
para ikaw ay makalabas sa utang.
10:34.8
tamang karunungan,
10:35.7
tamang disiplina,
10:36.6
ang susi sa pagyangan.
