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00:00.0
pabayaran natin yung loan
00:01.9
na may mataas na interest
00:03.6
muna. Ang nakikita ko
00:05.8
ay psychologically,
00:09.8
ng loan ng lowest amount.
00:12.0
So, paano ba mababayaran
00:13.8
yung utang? Siyempre, ang unang
00:15.6
step dyan, magbataan natin sa
00:17.3
pagdagaan ng utang. And then,
00:19.6
make a list of your bad debts and face
00:23.5
magbaging pasikal tayo, no?
00:25.9
Ang bagayin talaga natin ay
00:27.5
okay. Pero hindi na kumita
00:29.6
pa ng malaking interest. Yes.
00:31.7
Oo. At ang ano kasi
00:34.6
challenge kasi natin dyan sa end.
00:37.6
Kasi, basta natapos siya.
00:39.4
Parang may accomplishment ka, no?
00:41.4
Kama. May sense of
00:43.5
accomplishment ka.
00:45.1
Ang gagawin mo, mag-negotiate ka
00:47.3
with your lender to
00:48.9
the terms and conditions and
00:50.9
interest. Kasi, ang
00:53.1
dapat talaga na ginagawa natin dyan
00:57.5
mga pinagkakutangan
00:59.6
natin. Ipag-usapin natin sila
01:01.4
at sabihin natin yung tunay na sitwasyon.
01:03.6
Kasi, sa totoo lang, kung
01:05.4
ang gusto mo talaga nila ay
01:07.2
magbayaan natin. Pero, pag
01:09.2
patong-patong-patong-patong-patong
01:11.1
malaking interest, ay hindi mo talaga
01:13.3
siya mababayaran. Kaya, tell them
01:15.4
the truth kung magkano yung kaya mong
01:17.0
interest. At, mag-settle nyo
01:19.3
sa isang maayos na
01:24.2
may utang, siyempre, mahalaga
01:27.3
na kausapin naman yung kanilang pinagkakutangan.
01:29.6
Huwag yung dedma eh.
01:31.2
Kasi, yung mga ganun eh. Correct.
01:32.9
At doon naman, sa mga nagpa-utang na dinededma,
01:35.9
baka it's good to reach out
01:37.7
at pag-usapan what
01:39.5
to be done to support
01:41.4
yung mas magagang pagbabaya.
01:43.1
At kayo naman, mga nagpa-utang,
01:45.2
huwag na kayong mag-ano, no?
01:46.9
May magic na nagaganap.
01:49.0
Huwag na kayong mag-
01:50.9
mag-ingay naman mga katong pahirapan.
01:53.3
Yung mag-umutang sa inyo.
01:55.2
Huwag patungan ng mataas.
01:59.6
yung mga pwede natin gawin para
02:01.2
mabayaran ng utang? So, avoid
02:03.4
natin na gamitin ng utang during
02:05.1
emergencies. Kasi, ang ginagamit
02:07.5
dyan ay insurance o
02:09.3
kaya damayan at mayroon tayong
02:11.3
emergency savings.
02:13.5
Okay? At i-finance
02:15.2
natin ang ating passive
02:18.8
i-finance natin yung ating
02:21.2
wants with passive income
02:25.1
So, not dapat yan. Sir,
02:26.5
yung point na yan,
02:28.4
ang makakalagay mo.
02:29.6
Ito talagang marami sa ating mga kababayan
02:33.0
kapag tayo ay may gusto
02:35.7
inuutang na lang kaagad
02:37.9
para talaga mas satisfy na agad
02:39.8
yung gusto mo yan.
02:41.5
Samantalang mas malaking kuyahan,
02:43.6
sana mas magaan sa
02:46.7
kaysa sa iuutang ng ating mga
02:49.6
kagustuhan. Kasi yung utang, diba?
02:52.0
Yung pa kinikita,
02:55.0
So, delayed gratification
02:56.8
naman muna, mga friends.
