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00:00.0
O friendship, meron ka na bang ipon?
00:04.6
Nako, paano ba talaga tayo magne-negosyo?
00:06.8
Paano tayo mag-i-invest kung wala tayong ipon?
00:09.3
Kaya nga, alamin po natin ang 10 bad habits na pumipigil sa iyo para maka-ipon ka pa more.
00:15.5
Videos that will make you wealthy and debt-free.
00:22.2
Hi there, this is Chinky Tan, your pambansang wealth coach.
00:25.8
Maraming maraming salamat for tuning in.
00:27.4
Okay, ito po ang pag-uusapan po natin yung pag-i-ipon.
00:30.4
Maraming po kasi talaga nagsasabi,
00:32.4
ay nako, ang hirap talaga mag-ipon,
00:34.3
liit ng sweldo, taas na ang bilihin.
00:36.1
Alam mo, we can think of around 10,000 excuses kung bakit di tayo maka-ipon.
00:41.1
But the reality is, pag hindi natin ginawa ng paraan,
00:44.2
ay nako, magkakaroon talaga tayo ng problema.
00:46.4
Pero in reality, I would just like to ask you,
00:48.9
baka meron tayong mga bad habits na ginagawa natin na guilty po tayo.
00:53.6
Okay, so ito yung gagawin po natin,
00:55.3
I want us to do a reality check,
00:57.1
a personal check po,
00:58.2
if guilty ka o hindi.
00:60.0
I want you to get a piece of paper and a ball pen,
01:02.4
maglalagay po tayo ng stika,
01:04.0
at magpakatotoo session po tayo dito ngayon.
01:06.5
Number one, ikaw ba ay guilty dahil ikaw ay isang impulse buyer?
01:10.7
Yung minsan napadaan ka lang ba sa mall?
01:12.9
Or let's say sa isang 7-Eleven,
01:15.3
o sinagang ka lang ng ilaw,
01:18.8
eh, masama ba na tumingin?
01:21.3
Wala naman akong bibilhin.
01:22.5
Eh, ano lang, tingin-tingin lang.
01:24.6
Pero ito lang ang problema.
01:28.1
ayan, nakapila ka na,
01:29.7
meron ka ng bit-bit.
01:30.6
Hindi mo yung mga maliliit na bilihin,
01:32.4
pa 50 pesos, 100 pesos,
01:34.1
kung araw-araw mo lang ginagawa sa 100 pesos yan,
01:37.0
that's 3,000 pesos a month.
01:39.4
That's 36,000 in a year.
01:42.1
Hmm, mga friendship.
01:43.6
Na yun nga, dapat mapunta sa ipo,
01:45.3
napupunta lang sa mekos-mekos sa bulsa.
01:49.3
Oo, yun yung latest term right now,
01:51.6
Guilty ka ba sa number one?
01:52.8
Number two, guilty ka ba dahil kulang ka sa disiplina?
01:56.6
Mabilis ka matukso, maakit, bumigay,
01:59.0
o makakita ka lang ng sale, ayun na.
02:00.9
Kung doon lang napupunta ang pera mo,
02:03.1
honestly, dahil sa lack of discipline,
02:06.5
eh, huwag ka magulat na ikaw ay walang ipon.
02:09.0
That's number two.
02:10.7
Number three, are you guilty of not tracking your expenses?
02:14.2
Kung tatanungin kita ngayon,
02:15.8
sa araw na ito, ito ah, itong araw na ito,
02:17.9
pakitype lang, magkano ang ginastos mo sa araw na ito?
02:21.5
Pwede mo ba itype sa comment section?
02:23.4
Kung hindi mo maitype sa comment section
02:25.1
kung magkano ang ginastos mo,
02:26.6
sabihin, hindi mo talaga,
02:28.0
you don't keep track of your expenses.
02:29.6
That's the reason why ito po nangyari.
02:31.3
At the end of the month, at the end of the year,
02:33.4
you always ask yourself this question,
02:35.3
saan napunta ang kinita ko?
02:37.6
Agree or disagree?
02:39.0
Takit lang sa comment section.
02:40.8
Fourth, check mo kung guilty ka.
02:42.5
Meron kang binabayaran na subscription
02:44.5
na hindi mo ginagamit.
02:46.5
Like for example, may mga iba pa nga eh,
02:48.9
nakasubscribe pa sa mga cable TV.
02:51.2
Honestly, wala namang masama
02:52.6
kung nakasubscribe ka sa cable TV.
02:54.3
Pero ang tanong, napapanood mo ba?
02:56.8
That's number one.
02:57.6
Or yung mga Netflix, napapanood mo pa ba?
03:00.2
O nanonood ka na lang sa YouTube?
03:01.7
So ito yung mga ano, like for example,
03:03.7
yung mga pa 500, 500 per month,
03:06.2
times 12 months is 6,000 pesos a month.
03:09.4
Ayun ako, ang laki na rin nun.
03:11.1
Or if not naman, ito pa, gym subscription.
03:14.2
Oo, naka-enroll ka sa gym pero hindi ka pumupunta
03:16.4
so ang pumapayat yung bulsa mo,
03:18.8
hindi yung katawan mo, diba?
03:20.5
So yun po, these are the small things
03:22.6
that probably you are guilty
03:24.3
that you are not aware of.
03:26.6
Why? O guilty ka ba?
03:28.1
Kung bakit di ka nakakaipon?
03:29.7
Dahil sa ating katakawan.
03:31.8
Yung bigla na lang, nag-aiyaan, diba?
03:34.9
Biglaan, laging natutuloy.
03:37.4
Diba? Natutuloy na nawawala ang pera.
03:39.9
Diba? Again, wala masama na kumain sa labas.
03:42.0
As long as it's part of your budget.
03:43.8
Huwag yung biglaan, spur of the moment lang.
03:45.7
Ay mahina na dyan yung mga 500 to 1,000 kada tao.
03:49.6
Then next, are you guilty also?
03:52.1
Pag ikaw ay naiinis, nagagalit,
03:53.8
nade-depress ka, you do retail.
03:56.6
Re-eating therapy.
03:57.5
Shopping ba ang sagot mo pag na-stress ka?
03:59.6
Para maibawasan ang stress,
04:01.3
dapat eh, bibiling ko yung gusto ko.
04:03.7
Or if not naman, yung mga iba naman,
04:06.1
eh, syempre, aside from shopping,
04:07.9
ang ginagawa, eating.
04:09.8
Oo, yun. Re-eating therapy.
04:11.8
Ikaw ba ay merong ganitong tendency?
04:15.2
Guilty ka ba o hindi?
04:16.1
Type guilty kung guilty ka.
04:19.0
O, ito, ito, ito.
04:19.7
Isa rin ang nakakasira sa ipon.
04:22.7
deserve ko to, deserve ko to.
04:26.1
Yun, minsan lang naman to.
04:28.7
Pinagpagurang ko na, pinag-ipunan.
04:29.9
Ay, again, again, again.
04:31.2
Walang masama pag pinag-ipunan.
04:34.2
Ang masama, by the spur of the moment,
04:36.6
nasasabihin mo sa sarili mo na deserve mo to.
04:39.9
Na alam mo naman, wala ka naman sa budget.
04:41.8
And then number eight.
04:43.4
O, nakakabutas talaga ng bulsa.
04:45.4
Kaya di ka nakakaipon.
04:46.7
Hindi ka makatanggi.
04:48.1
You cannot say no to your friend.
04:50.0
Friendly neighborhood, di ba?
04:51.6
Isang yayaan lang.
04:53.8
O, di ka, bakasyon tayo.
04:55.6
Hindi ka maka-no.
04:56.8
O, hindi ka makapag-pass.
04:58.2
O, kasi nagkakaroon ka ng tinatawag natin na FOMO.
05:02.1
Fear of Missing Out.
05:03.5
Naku, ano kayang gagawin nila?
05:05.5
Baka mapag-usapan ako.
05:07.0
Baka mag-miss ko naman yung happening.
05:09.3
So, nangyayari nyan, yung ipon mo,
05:10.8
nagagamit mo, or if not naman,
05:12.1
nakakautang ka pa.
05:13.4
Ay, that's number nine na nga.
05:14.7
Number nine na unago na nga.
05:16.3
Number nine, guilty ka ba?
05:17.5
Because nga, natatakot ka magka-FOMO,
05:20.9
Pagka pag may utang ka,
05:21.8
siyempre, hindi ka maka-ipon.
05:23.2
Kaya, imbis na ba sa savings mo punta,
05:25.8
Pagbabayad ng interest at saka ng utang.
05:27.6
Eh, reality yun eh.
05:29.2
Alam mo, if you are paying off a debt,
05:31.6
challenge talaga mag-save.
05:32.8
Nagiging cycle na yan eh.
05:34.4
Kulang utang, bayad utang.
05:36.1
Kulang utang, bayad utang.
05:39.0
And last but not the least.
05:40.5
And probably, all of us are guilty of this.
05:42.9
Kaya nga dapat iwasan po natin yung tinatawag natin,
05:46.9
Oo, dito talagang sobrang daming guilty yung
05:49.1
pag-go online shopping,
05:50.5
tingin-tingin lang,
05:54.0
naka-add to cart na,
05:56.3
naka-check out na.
05:58.2
Ito lang ang mga friendship.
05:59.3
Again, walang masama na mag-shopping
06:01.1
kung meron kang pang-shopping.
06:02.3
Ilimit mo lang ang pagbili mo online
06:06.1
Maglagay ka ng certain budget.
06:08.5
Hindi ka talaga mag-over budget.
06:11.0
hindi masisira talagang ipon journey mo.
06:13.3
Kaya para sa mga friendship,
06:14.6
nahihirapan po talagang mag-ipon.
06:16.5
Ano mo dapat yung gawin?
06:23.0
Number 1, impulse buyer ka ba?
06:24.5
Number 2, kulang ka ba sa disiplina?
06:26.2
Number 3, hindi mo nililista expenses mo?
06:28.4
Number 4, mayroong mga unused subscription ka?
06:31.4
Number 5, mahilig ka kumain?
06:33.6
Number 6, retail therapy?
06:35.8
Number 7, mindset na deserve ko to?
06:37.7
Number 8, hindi ka makatanggay?
06:39.3
Number 9, may utang ka?
06:40.7
Number 10, takaw tingin?
06:42.9
From 1 to 10, I want you to grade yourself.
06:46.7
10 is the highest.
06:48.6
Naku, mga friendship ah.
06:50.0
Pag ikaw ay pumapalo ka ng 5 pataas,
06:52.9
o, naku, kailangan mo na talagang baguhin.
06:56.2
Diba, ngayon alam mo na yung common habits, no?
06:58.4
Kung bakit nahihirap mong ipon.
06:59.9
Oras na para palitan natin naman ng good and healthy saving habits.
07:04.2
Kaya nga, ano ang gagawin mo?
07:05.8
Para magkaroon ka ng magandang habit,
07:07.2
manood ka sa channel na ito.
07:09.2
Number 2, mag-join ka ng ating, diba,
07:11.7
iponaryo movement, o, sa Facebook.
07:13.7
Doon talagang magkakaroon tayo ng peer pressure.
07:16.1
Mapipear pressure ka talaga.
07:18.3
Hindi bumili ng latest na mga gamit, damit.
07:20.7
Mapipear pressure ka na mag-ipon, mag-invest, at mag-negosyo.
07:24.4
Kung interesado kayo, join the iponaryo movement.
07:26.9
Maraming maraming salamat po.
07:28.2
Sana naman naka-enlighten itong episode na ito sa inyo.
07:30.8
Thank you very much.
07:31.8
And I hope that you will use this as a guide.
07:33.7
And if you find this video helpful, please share it with others.
07:36.4
Tatandaan, tamang karunungan, tamang disiplina ang susi sa pagyaman.
