00:34.9
na talagang nakilala the most frugal, ang pinakakuripot na tao sa Japan.
00:39.8
Okay? Para maintindihan natin kung gaano kakuripot to, let us watch this.
00:44.4
This girl is known as the most frugal person in Japan.
00:47.7
Saku gained fame in Japan for her extreme frugal lifestyle
00:50.8
which enabled her to buy three houses at a young age.
00:54.0
At 18, while many of her peers were aimless,
00:56.6
Saku set an ambitious goal for herself.
00:58.7
To buy three houses and retire as soon as possible.
01:02.2
She began keeping records of her daily expenses, down to the last cent.
01:06.3
After graduating, she landed a job at a real estate company
01:09.2
and set a daily food budget of 200 yen, which is around 1.5 US dollars.
01:14.5
She only bought discounted food, such as a discounted radish for 30 cents,
01:18.4
which could last her for several days.
01:20.5
She was well-versed in grocery store discount information.
01:23.4
Her meals were simple and frugal, such as 10-cent toast for breakfast,
01:27.5
80-cent thin soup,
01:28.9
10-cent salmon with rice for lunch,
01:30.7
and 40-cent bland udon noodles with a little bit of vegetables for dinner.
01:34.9
Okay, grabe naman talaga, no?
01:37.0
Ito po, kung mabibigyan po natin ng idea, no?
01:40.4
Ito po, taong ito, 18 years old,
01:42.9
ang goal niya talaga ay mag-retire.
01:44.9
Okay? So, mag-retire siya.
01:46.3
So, makikita po natin, no?
01:47.8
How can you have a frugal lifestyle?
01:49.6
Yung parang tinatawag natin, taong kuripot.
01:51.4
Pero bago natin pag-usapan yung frugal lifestyle pala,
01:53.9
yung ano, discarte niya.
01:55.2
Pag-usapan muna na, ibig sabihin ng kuripot.
01:57.0
Ang kuripot po ay hindi masama.
01:59.0
Ang pagkakuripot po, ang ibig sabihin niyan ay
02:01.5
nagkakaroon ka ng tinatawag na self-discipline,
02:04.0
meron kang tinatawag na long-term thinking,
02:06.4
at saka tinatawag na delayed gratification.
02:09.1
Kaya ka nagkukuripot para sa iyong sarili.
02:12.2
Kasi meron kang gustong ma-achieve na goal.
02:14.7
Ang goal na gusto niya ma-achieve ng 18-year-old na ito
02:17.6
is to be able to retire as soon as possible.
02:20.1
So, paano po niya dinaskartehan sa pamamagitan ng pagkain?
02:24.1
And truly enough, na sinabi nga dyan,
02:26.1
na pagka bumibili ka sa supermarket,
02:28.7
kami po may pumunta ng Japan.
02:30.3
Pag pumunta ka pala ng Japan,
02:31.8
pagka after 6 or 7 p.m.,
02:33.9
pag pumunta ka sa supermarket,
02:35.3
lahat ng mga produkto doon ay nag-50%
02:39.8
Dahil hindi na nila binibenta yung mga nailabas na po nila.
02:43.5
Ayaw gusto nila ibenta yung mga fresh.
02:45.6
So, to the point,
02:46.5
imagine mo per meal,
02:47.7
may nabibili pa pala ng $1.50.
02:52.1
So, we're talking about 75 pesos pagkain na po yun.
02:55.5
So, una, saan siya nagtipid?
02:57.7
Nagtipid po siya sa pagkain.
03:01.0
Guys, ito lang po, just to give you an idea.
03:03.9
Parang minamaliit po natin.
03:05.2
Yung parang sa atin kasi,
03:06.8
ang mindset nating Pinoy,
03:08.0
ang hilig natin talaga kumain.
03:10.3
ay, deserve ko to.
03:13.5
Pinagpagurang ko naman to,
03:14.5
kaya kailangan kumain ako.
03:15.9
Again, walang masama.
03:18.0
Pero kung meron kang goal na katulad niya,
03:19.9
na maging retired na at a very young age,
03:23.0
Pero kung bibilangin po natin,
03:25.2
kung bibilangin po natin,
03:26.5
magkano po ang nagagastos po natin sa pagkain
03:29.4
on a daily basis?
03:31.3
Atin-atin lang yan.
03:32.3
Pag kumain ka sa labas,
03:33.8
minimum yan na sa 200 to 300 pesos yan.
03:36.6
Kung may kakayanan ka.
03:37.8
Yung mga ibang walang kakayanan,
03:38.9
siguro 50 to 100 pesos.
03:40.7
Lagyan mo na sa 200 pesos na lang a day.
03:42.7
Times mo na 30 days,
03:44.1
600 naman times 12 months,
03:45.7
that's 72,000 pesos per year.
03:48.8
Pero ang ginawa nga niya,
03:50.3
hindi siya kumakain sa labas.
03:51.7
Sabay lang siya kumakain.
03:53.0
So, kahit na sabi mo,
03:54.4
you cut it by half.
03:55.5
So, kung gumagastos lang siya ng 50%,
03:57.7
that's 36,000 pesos
03:59.9
ang natitipid niya.
04:01.2
So, ang question,
04:01.9
paano niya bili yung unang property niya?
04:03.9
Let's watch this.
04:04.8
After nine years of extreme frugality,
04:07.2
Saku succeeded in buying her first property,
04:10.0
a three-bedroom house worth 10 million yen,
04:12.9
which is around $70,000.
04:15.0
She lived in one room and rented out the other two,
04:18.1
earning a monthly rent of $650.
04:20.8
She didn't spend a penny on furniture
04:22.8
because she picked up unwanted items on the street.
04:25.5
Her biggest hobby was reading real estate advertisements.
04:31.0
Grabe naman talaga, no?
04:32.5
So, in nine years' time,
04:34.1
nine years' time,
04:35.5
nakabilis siya ng property na three-bedroom
04:38.3
ng worth po ay dito sa Pilipinas ay 3.7 million.
04:41.9
Kung i-divide po natin 3.7 million pesos,
04:45.0
so, ang ibig sabihin yan,
04:46.2
nakakaipon siya ng almost 400,000 pesos per year.
04:49.6
Divided by 12 months,
04:51.5
let's talk about around 30 plus thousand pesos per month.
04:55.0
Ang naiipon niya.
04:56.4
FYI, just to give you a perspective,
04:59.0
sa Japan po, posible po talaga yan.
05:01.1
Pwede kang makaipon ng ganung kalaki.
05:03.4
Dahil nga, malaki po ang kinikita po nila.
05:05.7
Pero, with you saving that amount of money,
05:08.7
30 plus thousand,
05:09.8
ang ibig sabihin po niyan,
05:11.5
eh talagang sobrang tipid ka.
05:13.0
That's number one.
05:14.6
possible ba na makabili ka ng 3.7 million na bahay sa Japan?
05:18.1
The answer is also yes.
05:20.1
Dahil nga, marami na pong umaalis sa Japan,
05:22.8
may mga ibang bahay nga eh.
05:24.0
Pinamimigay na lang ng gobyerno.
05:27.4
So, yung 3.7 million is possible.
05:30.7
anong ginawa po niya?
05:31.8
Tumira po siya sa isang room
05:33.2
at pinarenta po niya yung dalawang bedroom
05:35.2
since three bedroom siya.
05:36.4
So, kumikita rin siya na estimated na
05:38.3
36,000 pesos per month.
05:40.5
So, in other words,
05:41.7
yung nagbabayad na po ng bahay niya,
05:43.8
hindi na rin siya,
05:44.8
ang utak-utak niya talaga,
05:46.3
yung dalawang nagre-rent ng kanyang kwarto.
05:48.9
At hindi lang yan,
05:50.0
hindi rin siya bumili ng furnitures,
05:52.0
pumupulot din siya ng mga unwanted items.
05:55.3
pag may nakita kang mga furnitures sa Japan,
05:57.6
sa mga kalsada po,
05:59.9
kailangan mo lang niisin.
06:03.8
ang ginawa po rin niya,
06:05.1
may ni-reveal pa nga siya
06:06.4
na meron siyang plano na bumili na ng pangalawang property.
06:10.2
So, paano niya nagawa yan?
06:11.4
Let's watch this.
06:13.2
Saku shocked the TV host
06:14.8
by announcing her plan to buy her second property
06:18.7
Four years later,
06:19.5
the same TV program interviewed her again.
06:21.9
Saku had just cut her hair short
06:23.4
because she sold her hair.
06:24.9
With her strong execution power,
06:26.5
she managed to buy her second property.
06:28.7
The house was worth 18 million yen,
06:30.7
which is equivalent to $122,000 in USD
06:33.9
with four bedrooms.
06:35.8
She spent $70,000 on her first property
06:38.5
and twice as much on her second property.
06:41.0
But it took her shorter time to save up for it.
06:44.1
her refrigerator was emptier than before.
06:46.1
She not only had the willpower to save money,
06:49.0
but also had the mind to make money.
06:51.2
Grabe naman talaga ang diskate
06:53.4
After four years,
06:54.8
nakabilis siya ng worth
06:57.6
or 6.7 million pesos.
06:60.0
Ano pong ginawa niya?
07:01.6
ang diskate po niya
07:02.7
since tuloy-tuloy pa rin ang kita
07:04.6
ng kanyang first house.
07:06.1
At the same time,
07:06.8
nag-ipon pa siya ng pera.
07:08.0
Ginumpit pa niya yung buhok niya,
07:10.7
nakaipon siya ng 6.7 million
07:13.3
after four years.
07:14.3
Bakit four years?
07:15.7
nakabuelo na po siya.
07:17.8
meron na siyang kita,
07:18.8
tapos meron pa siyang sobrang pera,
07:20.3
tapos nabenta pa nga niya yung buhok niya.
07:22.0
Na anong ginawa niya sa pera?
07:23.4
Ni-reinvest niya ulit
07:25.0
at bumili siya ng property.
07:26.8
Pero ang tanong lang,
07:27.7
baka nagsasya kayo,
07:28.6
magkano kaya ang kinikita niya
07:30.1
on a monthly basis?
07:31.5
Kung paano niya na-afford to?
07:33.1
Let's watch this.
07:50.2
She made a promise with the host
07:51.5
to meet again in two years.
07:53.2
Ayun, pinakita na,
07:55.1
na kumikita siya ng 100,000 pesos per month
07:57.9
from dalawang properties
07:59.3
plus her salary na almost 194,000.
08:02.6
So kumikita siya ng almost
08:03.8
300,000 pesos per month.
08:07.8
So anong ginawa ulit niya
08:09.4
sa pera na natanggap niya?
08:11.8
Gumagasos mo siya?
08:12.9
Nag-travel na ba siya?
08:14.8
Oo, may ni-reveal siya
08:16.2
on the third ang ginawa niya.
08:18.8
bumili siya ulit ng property.
08:20.7
Paano niya ginawa ulit?
08:23.6
at the age of 33,
08:25.2
she successfully purchased
08:26.5
her third property.
08:27.7
This property is a luxurious,
08:29.5
big, single-family home
08:30.9
preferred by wealthy Japanese families.
08:33.8
She spent $220,000
08:35.5
on this property,
08:38.3
Now, she earns $3,000 in rent
08:40.8
each month from the three properties.
08:43.0
She has already achieved the life
08:44.4
that most Japanese people dream of
08:46.3
and is considered rich in Japan
08:48.0
but still remains very frugal.
08:51.5
Okay, grabe naman po talaga.
08:53.0
At the age of 33,
08:54.2
may tatlong property na siya
08:55.6
at kumikita na siya ng
08:57.1
150,000 pesos a month.
08:59.4
Nabili niya ng 12 million,
09:02.3
Kung tutuusin po talaga,
09:03.6
hindi na niya kailangan magtrabaho.
09:05.4
Pero, simple pa rin ang buhay
09:07.2
dahil meron pa rin siyang goal.
09:08.9
Ano ba talaga ang ultimate goal niya?
09:11.2
Let's watch this.
09:13.6
her cat cafe opened on the first floor
09:15.7
of her third property
09:16.8
and she used discarded furnitures herself
09:19.6
but bought the expensive cat towers,
09:22.4
And spent 20,000 dollars
09:24.1
on cat cafe renovation
09:25.7
without any hesitation.
09:27.1
Saku's journey is a testament
09:29.1
to her frugality, determination,
09:32.1
Her story reminds us that
09:34.1
with discipline and planning,
09:35.6
we can achieve our goals step by step.
09:37.6
Grabe naman talaga, no.
09:39.6
Napakaganda talaga.
09:40.9
Basta practical ka lang.
09:42.6
Diba, may goal ka,
09:43.7
ma-achieve mo talaga.
09:44.9
Siguro, lagyan natin ang proseso
09:46.8
at step by step, no.
09:47.9
Kung kayo ay na-encourage sa story nito,
09:49.9
I'm really deeply encouraged.
09:52.2
kaya rin po natin.
09:53.2
Lalo na kung kababayan na OFW,
09:56.2
Nag-sakripisyo siya ng matagal
09:57.9
pero nakapag-retiro siya ng maaga.
09:59.9
Ito yung tinatawag natin,
10:01.0
delayed gratification.
10:03.2
Hindi siya nag-travel,
10:04.2
hindi siya nag-splurge.
10:05.5
Inayos muna niya.
10:06.5
Ngayon, sa totoo lang.
10:07.5
Pag na-set up na niya,
10:08.5
right now, she can travel.
10:09.7
Right now, she can enjoy.
10:11.0
Kung gugustuhin niya.
10:12.2
So anong ginawa niya?
10:14.0
nag-prioritize muna siya.
10:15.2
Diba, yung frugality kasi
10:17.2
teaches us to prioritize
10:18.7
ang needs versus wants.
10:20.2
So yan ang unang ginawa niya.
10:22.2
nagkaroon siya ng financial discipline.
10:24.2
Yung pagiging kuripot po niya.
10:25.7
Dinisiplina po niya yung sarili niya.
10:27.2
Nag-delayed gratification.
10:28.7
Hindi muna niya kinain ang gusto niya.
10:30.2
Hindi muna siya nag-splurge.
10:32.2
Kasi meron siyang goal.
10:34.2
anong ginawa niya?
10:36.2
Pag ikaw ay meron kang financial goal,
10:38.2
mag-iipon ka talaga for your future.
10:39.7
Like for example,
10:40.7
gusto ko talagang mag-ipon
10:42.2
para sa dating ng panahon,
10:43.7
wala akong aalalahanin.
10:45.7
And then pang-apat,
10:46.7
nakaka-reduce talaga ng stress
10:48.2
dahil wala ka nga problema.
10:49.7
May pumapasok na pera sa kanya
10:51.2
kahit magtrabaho siya o hindi.
10:52.7
At ang kagandahan po dito,
10:54.2
yung financial freedom.
10:55.7
I think that is the most important thing.
10:58.2
Yung financial freedom
11:00.2
na gusto natin makamit,
11:02.7
Kung tayo ay marunong,
11:05.2
tayo po ay nag-kuripot.
11:07.2
Sa makatwirang pamamaraan,
11:09.2
honestly, ito lang po.
11:10.2
Ako po ay isang legit na kuripot.
11:14.2
This, again, my confession.
11:15.7
I can relate with the fact
11:17.7
I was able also to do it.
11:19.7
Nag-kuripot po ako.
11:21.7
Ngayon, meron na tayong naiipon.
11:24.2
May konti na tayong properties.
11:25.7
Kahit na dumating na sa panahon
11:27.7
na hindi ako magtrabaho,
11:28.7
our family will be okay.
11:30.2
And I really thank God
11:31.2
for granting me this wisdom.
11:32.7
That's number one.
11:34.7
ako masyado akong kuripot sa akin sarili.
11:36.7
Ang sapatos na nabibili ko,
11:38.7
not more than 5,000.
11:39.7
Pantalon, not more than 2,000 pesos.
11:41.7
Damit sa akin, may limit din po siya.
11:43.7
T-shirt, mga less than 500.
11:46.2
not more than 5,000 pesos.
11:48.2
Ganon po ako mag-isip.
11:49.2
Napaka-kuripot ko po para sa aking sarili.
11:52.2
Pero pagdating sa ibang tao,
11:54.2
hindi po ako nagmamaramot.
11:57.7
parang may naitulong akong pera
12:00.2
na hindi ko pa nagagastos sa aking sarili.
12:03.2
Sa aking sarili, hindi para sa pamilya.
12:05.2
Hindi ko pa nagagastos sa sarili ko
12:07.2
sa tanang buhay ko.
12:08.2
Pero naitulong ko yung halagang niyo.
12:10.2
Kuripot ako sa sarili ko.
12:11.7
Pero pagdating sa iba,
12:13.2
hindi ako nagdadamot.
12:15.2
Dahil alam ko po,
12:16.2
ang pagkukuripot ko po ay may layunin.
12:19.2
parang pagganhawain ang buhay ko
12:21.2
para makatulong din sa ibang tao.
12:23.2
Sana itong video na ito ay
12:25.2
naka-encourage po sa inyo.
12:26.7
Na okay lang magkuripot sa iyong sarili.
12:28.7
Okay lang magdamot sa iyong sarili.
12:30.7
Pero ma-achieve mo yung financial goal mo.
12:32.7
At pag once na-achieve mo yung financial goal mo,
12:35.2
mag-enjoy ka naman.
12:36.2
Reward mo naman sarili mo.
12:37.7
Dahil deserve mo to.
12:38.7
Nagustuhan mo ba itong video na ito?
12:40.2
Kung nagustuhan nyo, mag-comment kayo
12:41.7
sa comment section.
12:43.2
tamang karunungan,
