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00:00.0
Gusto mo bang makaipon ng bonggang-bonggang pero hirap na hirap ka pa rin mag-ipon hanggang ngayon?
00:08.1
Yes! If that is you, may good news po ako sa inyo.
00:11.3
In this video, pag-uusapan natin ng 10 wise questions to ask yourself before you save money.
00:17.2
Videos that will make you wealthy and debt-free.
00:24.0
Hi there! This is Chinky Tanyor, pambansang wealth coach.
00:27.0
Grabe, super exciting itong episode po natin na ito.
00:30.4
Ito ay lalo dedicated sa mga taong nag-uumpisa mag-ipon, di ba?
00:34.2
Pero pag nag-ipon ka, at the end of the day, napupunta lang sa wala.
00:38.1
Na-experience na yun, na parang may kumukupit po sa ipon nyo.
00:42.7
Sino kaya kumukupit ng ipon? Eh walang iba kundi ang ating sarili.
00:46.5
Eh tayo yung manakakaalam kung saan po nakakaipon.
00:48.9
Kaya nga ito po, mga friends, ito po yung 10 coaching questions that I ask my students and my clients.
00:55.6
Bago silang mag-ipon.
00:56.8
Kaya nga, this is really a free session for you.
01:00.5
Huwag nyo sasayangin ito.
01:01.7
And normally when we do this, siyempre we charge a fee, pero right now it's going to be entirely for free.
01:07.7
So ready ka na ba? Kumuha ka ng papel, ball pen, at isulat mo.
01:10.7
First question that I ask my students, I always ask what are their financial goals.
01:15.7
Sulat muna nila yung short, medium, and long-term goals.
01:18.6
Kailangan nakasulat po.
01:19.7
Bakit po? Kasi walang goal, walang target.
01:22.8
Pag walang target, hindi talaga mabubuo ang ipon.
01:26.8
If you notice, yung parang sinasabi ko, pag nag-ipon ka lang for a general fund,
01:31.1
nag-ipon ka lang, tapos yan, nangailangan ka lang.
01:33.5
Ay, kakain tayo sa labas. O may pera naman, may ipon naman ako eh.
01:35.5
Travel, ay may ipon naman ako eh.
01:36.8
Kasi general fund siya.
01:38.2
But if you write it down specifically, which we encourage our students,
01:42.6
dito nga, sa ipon box nga eh, di ba, may saving for, para saan ka nag-iipon.
01:46.8
It must be specific.
01:48.1
Like for example, pag travel fund, travel fund.
01:50.4
Housing fund, housing fund.
01:51.7
Car fund, car fund lang.
01:52.8
Hindi mo dapat gamitin for any other purposes.
01:56.8
So number one, write it specifically para saan.
02:00.1
Okay? That's the first step.
02:01.4
Second, ask yourself naman realistically, how much can you save each month?
02:06.3
How much is the puppy in the window?
02:11.0
Ay, hindi, yun ang tanong.
02:11.9
Kasi, di ba, dapat realistic ka eh.
02:14.2
Pagdating sa pag-iipon, i-assess mo kung magkano talaga kita mo,
02:17.8
magkano kaya itabi mo, at magkano ang panggagastos mo.
02:22.0
Kaya nga, alam mo, ito lang po ang challenge ko po sa inyo.
02:25.7
Ang challenge ko po sa inyo.
02:26.8
Mag-iipon kayo kahit maliit, kahit na pa 20-20, 50-50.
02:31.4
Kasi sa pag-iipon, hindi mahalaga kung magkano ang dapat mong maitira.
02:35.8
Ang mahalaga, you develop the habit of savings.
02:39.0
Kaya, babalik naman tayo sa ipon box na ito.
02:41.4
Kung makikita nyo, as low as 20 pesos, pwede ka mag-umpisa.
02:45.7
Kayang-kaya yan, mga friendship.
02:47.3
Kaya nga, ask yourself, magkano ang gusto mo?
02:50.0
Is it 50 pesos? 100 pesos?
02:51.7
1,000 pesos? 10,000 pesos?
02:53.7
Nasa sa iyan, walang limit.
02:55.5
At saka, walang expense.
02:57.5
Number three, ask yourself right now.
02:59.4
Ito yung third question.
03:00.8
Ano yung preferred savings method mo?
03:03.5
Gusto mo ba bangko?
03:05.3
Gusto mo ba ipon box?
03:07.1
Gusto mo ba ipon ka?
03:09.3
Basta ang importante, may paglalagyan ka.
03:12.5
That's the most important thing.
03:14.2
Again, huwag mo lang ipunin sa iyong isipan.
03:17.2
Kasi pag nag-iipon ka lang sa isipan, baka magastos mo.
03:20.1
Di ba? May maisip ka lang na gusto mong kainin, magastos mo.
03:24.3
Kaya nga, let's go to the fourth.
03:26.2
If you want it banked,
03:27.9
kunyari, banko lang talaga, from your ATM,
03:30.2
pwede kang gumawa ng AMS.
03:33.8
Automated Savings Machine.
03:36.3
So, automated na po siya.
03:37.6
Ang pwede niyong gawin po, mag-open kayo ng first account nyo,
03:40.2
sa bank account nyo, tapos sabihin mo,
03:41.7
sa bank ko, automatic, let's say, 5,000, 2,000, 1,000,
03:45.8
automatic, it will go to your second account.
03:48.1
So, automatically, every month,
03:50.0
di mo napapansin na may pumapasok na sa kabilang account,
03:52.9
which we are doing.
03:54.1
Meron kaming pondo para sa aming travelers,
03:55.9
travel fund, travel fund po yan.
03:57.9
Every month, nagtatabi na po kami ng X amount.
04:00.9
Para pag nating ng panahon, pag kami ay may travel,
04:03.8
eh meron lang siyang pondo.
04:05.5
Hindi namin kukunin sa main account.
04:07.7
Oo, di ba? Maganda ba yun?
04:09.6
Maganda bang idea na yun?
04:11.3
Kung maganda, type maganda.
04:13.0
And the number five question that you need to also ask,
04:15.6
especially if you are employed,
04:17.0
are you taking advantage of your employer's benefits?
04:19.7
Kasi may mga iba, meron tang silang sinanawag na retirement plans,
04:23.9
meron silang benefit,
04:25.2
meron silang matching contribution.
04:27.7
Like on our end, sa organization po namin,
04:30.4
even we are work from home, pero marami kaming mga benefits.
04:33.9
Benefit number one po, meron kaming mga birthday bonus.
04:37.0
Every year, may birthday bonus yan.
04:38.8
On top of the birthday bonus,
04:40.3
isa pang ginagawa po namin yung matching contribution.
04:43.8
Ang ibig sabihin niyan, kung ano ang naipon nyo
04:46.3
on a monthly basis na kinakalta sa sweldo nyo,
04:49.3
at the end of the year, minamatch po namin yan.
04:52.3
How many percent? 100%.
04:55.2
Kung ginagawa namin.
04:56.4
Kaya, it encourages our staff to save money.
04:59.7
Hindi niya inuubos ang kanyang sweldo.
05:02.8
I-suggest nyo sa mga boss nyo.
05:04.7
Okay, bago tayo sa number six question.
05:07.2
Kung nag-enjoy kayo dito sa session na ito, type enjoy.
05:10.2
I'd just like to say hi to Jeneline Benocilla,
05:12.6
at siyempre si Mary Joy Celis,
05:14.1
and si Xiangjie6504 from Aklan.
05:17.3
Maayong hapon, buntag, o gabi-i sa inyong tanan.
05:20.7
Let's go to number six question that you need to ask before you start saving.
05:24.9
Ang mga specific.
05:25.7
Do you have an emergency fund?
05:27.9
Ito, when you say emergency fund, just in case na mawalan ka ng work, di ba?
05:31.9
At least six months.
05:33.0
Six months ang target po natin.
05:34.5
Ideal na po, six months of your living expense.
05:36.9
Tubig, kuryente, upa, matrikula, lahat ng expenses mo.
05:40.4
Kung hindi mo kaya, one month ka muna.
05:42.0
From one month, go to three.
05:43.3
Three, go to six.
05:44.1
Pero ang pinaka-ideal po natin, six months.
05:46.2
Dapat yan po ang una pinag-iipunan.
05:49.7
Just in case na mawalan ng work, hindi ka ma-stress.
05:52.1
Second, fund na pwede mong ipagtabi.
05:54.2
Do you have a business fund?
05:55.3
Kung meron kang gustong umpisa ng negosyo in the near future.
05:59.0
On top of the emergency fund, iba po itong tinatawag nating business fund.
06:04.3
Do you have also an investment fund?
06:06.5
That's number eight question.
06:08.1
May investment fund ka.
06:09.7
On top of your emergency fund, on top of your business fund, business investment fund.
06:14.6
Yung parang i-invest mo to a point na yung pera na ang nagtatrabaho para sa'yo,
06:19.2
hindi na ikaw nagtatrabaho sa pera.
06:20.9
Darating nga pa noon, meron ka ng mga properties na nabili.
06:23.9
Tapos pinapaupahan mo, may Airbnb ka na at kumikita na yung mga properties mo
06:27.8
ng 30, 50 to 100,000 pesos a month.
06:30.4
At yan na po ang magsusustento sa'yo habang ikaw ay tumanda.
06:33.8
Ang ganda po yan.
06:35.0
Ang tawag po niyan investment fund.
06:37.5
Number nine na fund na kailangan po natin na ipag-ipunan is what we call as dream or leisure fund.
06:43.8
Ito naman para sa pangarap mo.
06:45.3
Sasakyan, bahay, travel.
06:47.3
Ano ba ang plano mo sa buhay mo?
06:49.0
Kailangan iba na naman yan.
06:50.2
Uulitin ko, may emergency fund, may business fund, investment fund.
06:55.0
Ha? Andami niyan.
06:56.4
Yes, andami po talaga yan.
06:59.6
Again, pagka general fund mo lahat yan, imagine mo emergency, magagalaw business mo, magagalaw investment mo.
07:05.9
Magagalaw siya, sira talaga.
07:07.5
Kaya nga hindi nyo napapansin walang nabubuo sa ipon nyo kasi nga naka general fund.
07:12.8
And last but not the least na fund na kailangan mo is we have what we call as benevolence fund.
07:17.7
Na hindi natin maiwasan na nalapit po sa atin ng mga kamag-anak at kaibigan incorporated.
07:23.9
It's part of life na people will come to you and ask for help and support especially kung nakaka-LL ka, nakaluwag-luwag ka.
07:30.8
Kaya nga nakaset na rin dapat ang benevolence fund just in case na may nangailangat, na natulog.
07:36.2
Hindi again masisira ang iyong personal budget which again we have.
07:40.2
Meron kaming benevolence fund para sa aming mga magulang, nanay ko at saka sa mama niya.
07:45.2
Pagkatapos yan, meron din kami benevolence fund sa pagtulong ng mga kaibigan at kamag-anak.
07:50.9
Na-appreciate nyo ba itong session o na-overwhelmed po kayo?
07:53.9
Ito lang mga mga friendship ha.
07:55.3
What did you learn from this session?
07:57.2
Ano ang na-realize nyo?
07:58.8
Pakitype lang sa comment section so that I can learn from you.
08:02.0
Alam mo, if you create a well-rounded savings plan just like what I mentioned, which I din am doing up to this very day.
08:09.3
Hindi lang po isang na-address po natin eh.
08:11.4
Pero na-address po natin yung overall.
08:13.6
Again, not only the short term, the medium term, but even the long term plans of our lives.
08:19.1
Sana naman nakatulong itong episode.
08:20.6
Again, this session is absolutely for free.
08:23.0
Normally, we teach this in our coaching group.
08:25.4
Para sa mga taong ka-member na po ng TYL Community.
08:28.7
TYL Community, you know what I'm talking about.
08:30.9
Diba, ito na yung pinag-uusapan natin sa loob ng ating TYL Community.
08:35.5
Kaya para sa mga taong interesado to know more about TYL Community,
08:39.2
all you just need to do is just go to tyl.group, tyl.group and check it out.
08:44.3
Maraming maraming salamat.
08:45.4
Tatandaan, tamang karunungan, tamang disiplina ang susi sa pagyaman.
08:53.0
Thank you for watching!
