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Bakit po? Nakakatuwa naman, may napanood po akong video ni Dog Kramer po.
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At inamin naman po niya na meron siyang problema ng I deserve this mentality.
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In other words, marupok mindset.
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Kaya nga, matuto tayo kung paano niya nalagpasan itong struggle na ito
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at ano yung mga pagkakamali ng kanyang ginagamit.
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So, let's watch this.
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We were spending more than what we were earning.
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And I feel like that is a very big lesson for a lot of us
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where you earn 20, 30, 50, even 100,000, doesn't matter how high.
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But if you are spending more than what you are earning,
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you're gonna be digging yourself in a hole.
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And as the months go by and years, sobrang lalim na ng buhay.
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And for Chex and I, we were there.
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Alam mo ah, Dog and Chezka, I just want to applaud you na talagang it takes a lot of guts
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for personalities, mga personalities, TV personalities and social media personalities to admit.
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Karamihan po, pang mga ganitong issue dito inaamin eh.
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Pero sila, sinashare nila, inaamin nila na may problema siya.
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At ito ah, ano kaya ang pinagmulan ng kanyang problema?
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Let's watch this.
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One time, hon, that we were investing already for a good two years.
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Hindi pa ako nagpapaalam sa kanya.
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So I said, I think it's time to reward myself.
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I've been in the pros, I was already in the PBA.
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And I wanted to reward myself.
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In our bank account, there was 350,000 pesos.
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And I wanted to buy a TV, a plasma TV, 50 inch.
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And I wanted to buy some JBL speakers.
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And the total for that...
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That was 250,000 pesos.
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And in my head talaga, I deserve this.
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Nag-ipon na ako, nag-set aside na ako ng ganito.
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I think I deserve this.
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Sino sa inyo nakaka-relate dyan?
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Sino sa inyo nakaka-relate?
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Type relate na, yun nga, pinag-irapan mo, pinag-ipudan mo.
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Nako, relate na relate.
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O, tapos anong nangyari?
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Guys, when I say happy, nag-set up ako.
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Bumuli ako ng mga bago kong Blu-ray.
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Happiness is temporary.
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So, I was happy until the bills started coming in.
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Ayun na, ayun na, ayun na.
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Eh, moment yan eh.
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Masaya tayo, honestly.
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Masaya tayo pagka nabili na natin yung gusto natin.
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Pero, yun nga, pumapasok ang realidad eh.
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Ano yung realidad?
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Pagka binili mo yan, may kasama pang iba.
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At the same time, may natitira pa ba para sa mga pangangailangan mo?
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At ano ito nangyari?
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Consumer in need took over yung pagkagastadero ko.
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Without having to plan the financials properly.
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Kasi, I wanted to.
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I've been working so hard.
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And true enough, negative, negative.
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Until I had to borrow money from my best friend.
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I needed to borrow money from my mom who didn't even have enough.
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I called up my mom.
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I'm sure you're gonna remember this.
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Yung credit card ko,
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ang minimum payment ko is 20,000.
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And I need 30 for the other bills pa.
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Kasi sa Ilocano, wala daw siyang pera.
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So, sabi ko, okay.
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It's okay, ma. I understand.
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Siyempre, my mom's a housewife, right?
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So, whatever she has.
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She worked hard for that.
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And then, so we put down the phone.
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And then, after one minute.
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Guys, na-experience niyo ba yan?
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Yung talagang, to the point na talagang walawang wala ka at tumatawag ka sa mga kaibigan at kabag-anak.
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At ito pa yung medyo ano, eh, well, at least mabait yung mama niya, no?
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Pero, may mga ibang.
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Yung mga taong ini-expect mong tutulong sa'yo, sila pang di tumulong.
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Ito yung mga taong tinulungan mo dati.
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Kaya nga, ang hirap, eh, pag umabot tayo sa ganitong sitwasyon.
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Guys, if you are out there right now watching this,
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it is not in a nice place for us to really ask for favors for the bad financial decisions that we made.
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And if you ever, you made a bad financial decision right now,
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sana naman matuto tayo, number two, huwag na natin ulitin.
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And number three, sana kapulutan natin ng aral.
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Gusto mo ba mag-invest pero wala kang masyadong puhunan?
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Alam mo, may maganda akong balita sa'yo.
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Sa talagang 500 pesos, pwede ka na mag-umpisa ng investment.
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Kung gusto niyo malaman, tuturoan kita.
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Watch my free webinar.
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Tuturoan kita kung paano ka mag-umpisa ng investment kahit na maliit lang na puhunan.
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O, click the link in my bio na lang, ha?
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Or if not naman, hanapin niyo yung link sa baba o sa taas.
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So, patuloy nga natin kay Doug.
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Ano po ang nangyari?
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Paano siya nakawala sa ganitong financial sitwasyon?
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Let's watch this.
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She calls me back.
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O, sige Douglas, meron na.
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Isang lako na lang yung jewelry.
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O, may sunglass ni mommy.
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Kakasaad naman yun, no?
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Sobrang love talaga ng mama niya, no?
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And syempre naman, nakakakonsyensya rin, di ba?
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Pag nagsadla or let's say, nagbenta ng mga palugi, ang hirap.
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So, I said thank you but it broke my heart in many places, di ba?
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Parang I had to make my mom suffer and then I took away certain things that we could have done for our family
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all because I wanted to reward myself at the wrong time.
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Di ba? And that's why I said the greatest lesson for me is there's a time for everything.
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So, you guys might be at that point where it's just saving, hard work, saving, hard work.
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Na parang nauubos yung savings and then ulit na naman.
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Guys, I wanna encourage you to just trust the Lord in the plans that He has for you.
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And I pray that there will be breakthroughs in your life.
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Kasi us, it took 5 years.
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5 years for certain investment fruits to finally bloom.
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Wala namang problema po na tayo ay mamili.
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I-bless natin ang ating sarili.
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Pero kailangan tamang timing.
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Kasi, alam mo, God makes everything beautiful according to His time.
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And then, ito lang po, ladies and gentlemen.
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Para hindi tayo ma-pressure na bumili, na kumuha ng isang bagay,
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kailangan po natin maunawaan ito.
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In my years of understanding about finances,
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and having a relationship with God,
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one thing that God really taught me,
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that really helped me a lot,
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was walang sayang.
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Okay? Uulitin ko ah.
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When you have faith in God,
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tanggalin mo sa bokabolaryo ang word na sayang.
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Ano ibig sabihin?
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Like for example, may opportunity na bigay sa'yo,
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tapos n'yon wala kang pera,
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pero napakaganda ng opportunity,
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50% discount, sobra talagang nangihinayang ka.
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Alam mo, huwag mo sabihin sayang yan.
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No, no, no, no. Bakit?
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Pag sinabi mo kasing sayang, ibig sabihin,
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iyong plano mo mas maganda kaysa sa plano ng Lord.
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Sayang, pera na, naging bato pa.
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Lord, sayang, sana naka-invest na ako.
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Hindi mo ba ako nag-invest kasi wala akong pera.
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Parang sinasabi mo kayo, Lord, na mas maganda ang plano mo kaysa sa Kanya.
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Well, ultimately, if you pray the Lord's Prayer, diba?
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Ang parating natin pinagtapray,
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Our Father who art in heaven, hallowed be Thy name.
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Thy kingdom come, Thy will be done.
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Ang ibig sabihin ng Thy kingdom come, Thy will be done.
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Lord, kung anong gusto mo, kung anong will mo, ikaw masusunod.
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Pero pag sinasabi mong sayang,
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Lord, pera naging bato pa.
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Opportunity na nawala na, kita na nawala pa.
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Dapat palitan natin ang prayer natin.
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To my kingdom come, and my will be done. Diba?
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Do you agree with that statement?
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And then, not only that,
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ang second revelation sa akin is this,
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God's plan is better than our plans.
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His ways are higher than our ways. Diba?
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Sa totoo lang, mas maganda ang plano sa atin ni Lord.
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Kaya huwag kayo manginayang.
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Kung hindi pa talaga time, hindi mo kailangan pilitin.
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At paano mo malalaman kung timing na ni Lord na makuha mo isang bagay,
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isang opportunity, isang business, isang promotion?
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When God blesses you with something, He adds no trouble to it.
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Pag ikaw ay pinag-bless ni Lord at pinagpala ni Lord,
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walang kasamang stress, walang kasamang pasakit yan,
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walang kasamang problema yan.
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Pag ikaw ay nai-stress, binili mo, nai-stress ka,
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binili mo, nag-aalinahan ka, binili mo,
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tapos nagdadalawang isip ka, binili mo o ni-invest mo,
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tapos di ka makatulog, ay hindi galing kay Lord yan.
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Kaya nga, alam mo, ang ganda, ang ganda-ganda ng lesson.
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Sabi nga ni Dog, walang problema na bumili,
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basta according to God's timing.
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For God's timing is always perfect.
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That's where yung sinabi niya,
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trust in the Lord with all of your heart,
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and lean not on your own timing,
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lean not on your understanding,
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lean not on your own ways,
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lean not on your own strategy,
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but we need to trust in God.
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For all things will work for good
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for those who are called according to God's purpose.
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Kaya nga, para sa mga taong nakikinig at nanonood ng episode na ito
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na sinasabi mo, nangihinayang ka, deserve ko ito,
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wala pa rin nangyayari sa buhay ko,
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ibig sabihin, hindi mo patulog.
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It's not yet God's timing for you.
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You and I just need to be patient,
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to trust on God's timing,
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trust on God's ways,
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and trust on God's provision.
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For He's a good God,
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He will never leave us nor forsake us,
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and He will meet all your needs
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according to God's glorious riches.
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Sana naman na-encourage kayo sa episode na ito.
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Thank you very much, Dog.
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Kung gusto nyo mapanood tong buong 14 minutes tong video na ito,
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we just clip a few minutes lang from this video,
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I will put the link nalang below,
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and then panuorin nyo nalang sa kanya.
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sa kanilang Facebook channel.
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Maraming maraming salamat.
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tamang karunungan,
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tamang disiplina po
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ang susi sa pagyaman.
