Mga hacks at advice sa pag-budget tuwing petsa de peligro

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Transcript

00:00Isa ka ba sa mga nakakaranas ng Pecha de Peligro?

00:04Kirag ka ba at problemado mag-budget sa kakarampot na natira mula sa iyong sahod?

00:09Sa araw na ito, ating mong pag-uusapan ang mga ilang hacks at best advice

00:12kung paano paraan ang maaaring gawin sa ganitong sitwasyon

00:15at kung paano rin ito maiiwasan.

00:18Panorin po natin ito.

00:20Payday is life, pero Pecha de Peligro is realness.

00:24Paano kung ang perang mayroon sa iyo ay nasa critical level na?

00:28Aray ko! Naghihingalo si Walet. Ano nga ba ang dapat gawin?

00:33Sweldo na ba? Ay hindi pa nga ni...

00:37Paano nga ba tayo makakasurvive para mapagkasa ang natitirang pera?

00:42Ang Pecha de Peligro ay financial challenge lang.

00:45Kaya ngayon, alamin ang mga hack para sa Pecha de Peligro Survival Edition

00:50dito lang sa Rise and Shine Pilipinas.

00:53Mga ka-ORSP, ating mga kasama ngayong umaga,

00:59si Ma'am Maria Ricafranca, isang associate financial planner,

01:02Rise and Shine. And welcome dito sa Rise and Shine Pilipinas.

01:05Good morning.

01:06Good morning, Doc Fifi and Sir Audrey.

01:08Ah, bakit Doc Fifi?

01:10Soon to be.

01:12Kinawa ko ko siya.

01:13Hindi.

01:14Sige, go.

01:14Ito, Ma'am Maria. Kayo po ay isang financial expert.

01:17Matanong po namin, paano ba may iiwasan itong tinatawag na Pecha de Peligro?

01:23Ayun, palagi po natin narinig yan, no?

01:25Especially pagkasweldo, parang few days after, parang ramdam na ng mga tao,

01:31ay, Pecha de Peligro na.

01:32So, paano po ba itong may iiwasan?

01:35Dapat po, familiar tayo with the basics, no?

01:38Okay.

01:38Personal finance.

01:40So, yun po yung una natin pwedeng gawin.

01:42Ano po ba yung inclusion ng personal finance?

01:45Number one po, dapat meron tayong income.

01:47Kasi wala naman tayong pwedeng i-budget kung wala tayong income.

01:50Okay.

01:51Pangalaba po, yun nga, we start to learn how to budget wisely.

01:56And the third is after budgeting wisely, learn how to save.

02:02And then, eventually, pag mag-move up tayo,

02:05start to learn how to invest and protect our money.

02:09Anak, kulang yung pera ko kasi pambili ng pamalengke.

02:13Anak, kailangan ni bunso.

02:14O kaya, ay, napagod ako this week.

02:18Deserve kong bumili lang gantong cellphone.

02:20Marami mga justifications kapag ikaw ay may pera.

02:24Pero paano kung wala talagang pera?

02:26I mean, on-day lang yung sinasahod mo, tight yung budget mo.

02:29Kasi marami kang, marami kong maasa sa'yo.

02:31Marami kang gusto mong bilhin.

02:33That's a very good question po, no?

02:35And valid siya kasi alam naman natin yung income dito sa Pilipinas.

02:40Pero, meron pong posibleng gawin.

02:43Usually, ang sinasabi is magtipid.

02:45Okay.

02:46Pero hindi po sapat na nagtitipid lang.

02:48So, we could do pagtitipid

02:50and pagkakaroon ng additional na income stream.

02:54Okay.

02:55So, first with pagtitipid is we can,

02:58first, halimbawa,

02:59no, pecha te biligro na,

03:00talagang kulang na,

03:01and antagal pa ng sweldo.

03:03So, number one is to be able to know

03:05magkano ba yung available budget natin at the moment.

03:08Okay.

03:08Kailangan maging realistic tayo,

03:10hindi yung bahala na si Lord.

03:11Hindi pwedeng palaging ganun.

03:12Ano po?

03:13So, we have to know

03:14magkano ba yung talagang available budget at the moment.

03:18And then, identify what are the essentials.

03:21So, focus natin and prioritize the essentials lang.

03:24And if, kung pwede natin i-postpone

03:27or i-cut off muna yung non-essentials,

03:29like for example,

03:30iba yung Netflix,

03:31hindi naman siya necessary.

03:32Hindi naman tayo mamamatay

03:34kung walang Netflix, di ba?

03:35Or Spotify.

03:37So, yung mga ganun bagay

03:38pwede either i-postpone

03:40or i-cut off po.

03:41And then, after that,

03:44yun po, pwede tayo magdagdag ng side hustle.

03:47Hindi naman natin kailangan umalis

03:49sa existing natin na work.

03:51Pwede namang on the side.

03:52Like, so work, I'm sure

03:54marami naghahanap dyan

03:55yung mga food, di ba?

03:57Yes, mas mura kasi

03:58pagbaba mo ng building,

03:59mas mahal ang mga bilihan sa karinderya.

04:01So, yung mga ganyan po

04:02maliliit na bagay, no?

04:04Discarte.

04:05So, find a solution

04:06for an existing problem

04:07at the same time,

04:08ikaw po ay hindi ka,

04:09kumbaga, additional income for you.

04:12May theory ako, Profi.

04:14Pwede bang ito po'y isang habit,

04:16nagiging habit na

04:17kahit tumakas na yung sweldo nila,

04:19kahit magkano po yung sweldo nila,

04:21yung talagang ginagasos talaga,

04:23tapos nasanay na,

04:24na, kumbaga,

04:26sa paparating na sweldo,

04:28talagang inuubos nila yung kanilang pera.

04:30At totoo po yan, Sir Audrey.

04:32Actually, minsan,

04:33hindi pa sinu-sweldo,

04:35kumbaga,

04:35ginastos na yung pera.

04:37Minsan,

04:38nagkakaroon ng ganong habit.

04:39And yes, totoo po,

04:40naging habit

04:41kasi nagkaroon ng kultura

04:42na deserve ko to.

04:44Di ba po?

04:44Narinigin natin yan.

04:45Yes, deserve.

04:46Yung mga hashtag,

04:47deserve ko to.

04:48Pero,

04:49afterwards,

04:50yung consequences naman,

04:52doon naman nahihirapan, no?

04:53Kasi deserve mo now,

04:55consequences later,

04:56hirap ka later.

04:58So, ito po siguro yung

04:59pwede natin i-break na

05:00huwag natin gawing excuse

05:03yung deserve ko to

05:04para kumbaga magkaroon

05:07ng additional stress

05:08din po kasi to mentally

05:09para sa atin eh.

05:11Kung ngayon happy ka, no?

05:12Parang naging retail therapy,

05:13di ba?

05:14Kasi stressed ka sa work

05:15o sa kishopping ka, no?

05:16Kahit wala pa ang sweldo,

05:18sinwipe mo na yung card mo.

05:19Pero pagdating nung bill,

05:20pagkita mo ng statement

05:22of account mo,

05:23stressed ka na hindi na nakakahat.

05:25One day,

05:26million years.

05:27Okay, dapat may disiplina talaga,

05:29di ba?

05:29Pero syempre pinaka-aim

05:31kasi natin dito,

05:32financial freedom,

05:33hindi pong gagasos ka

05:34na alam mong

05:35hindi ka mag-aware na alam,

05:37baka mawalan ako ng pera.

05:38Someday sana, di ba?

05:39Pero ngayon kasi ako,

05:40I myself,

05:41during the time I was working

05:42as a call center agent,

05:43di mga critical wallet days

05:45kami tinatawag

05:46or pecha de peligro.

05:48Alam mo yung kapag maraming

05:48kang pera,

05:49ang gasos mo.

05:50Pero pag konti na lang

05:51yung pera mo,

05:51ang tipid mo.

05:53Ayun.

05:53So, ganun yung nangyari

05:54sa amin to the extent

05:55na parang natuto na ako

05:56na kailangan maging disiplinado.

05:58Well, we wanna know

05:59ano ang mga tips

06:00sa pagbabudget

06:01para ma-make sure

06:01na hindi natin maranasan

06:03ang critical wallet

06:04or pecha de peligro days.

06:06Yeah, that's a very good

06:08question po, no?

06:09Kasi parang mararamdaman natin

06:12ay kailangan kong mag-budget

06:14pero pecha de peligro na.

06:15So, maganda na

06:16prior to that,

06:17we prepare ourselves.

06:18So, yun nga po,

06:19we go back to the basic.

06:21Before tayo,

06:22ako po ito,

06:23isa din sa naging practice ko.

06:24Kasi before,

06:25ganyan din ako,

06:25may experience din ako

06:26na pagka sweldo,

06:28ubos biyaya, no?

06:29Pagka naubos na,

06:31sobrang tipid naman.

06:32So, ang ginagawa ko po,

06:35I don't go to the supermarket

06:38or sa mall

06:39nang kakakuha ko lang

06:41ng sweldo.

06:42Kailangan iuwi ko siya.

06:43Kailangan budgeted na siya.

06:45Prior to me going to,

06:48lalo na pag sale,

06:49lalo po ngayon yung double-digit sale,

06:51no, 8.8,

06:53di ba, yung mga ganyan.

06:54So, malapit na.

06:55So, lista muna lahat

06:58ng kailangan bilhin

06:58before tayo pumunta sa mall

07:00para alam natin na

07:02kung magkano

07:03yung pera natin

07:05and ano yung

07:06dapat pagkagato sa mall.

07:07Tasan na sana ng mga kumpanya

07:08yung mga sahod.

07:09Okay, ito.

07:10Habog ko lang,

07:10hapropi.

07:11Bilang panguli.

07:12Ito, naranasan ko dito

07:14years ago.

07:15Matagal na matagal na pangahon na

07:16nagtatrabaho pa ako.

07:18So, in-expect mo,

07:19ito na lang ang pera mo,

07:21sakto lang,

07:21ito na,

07:22sa sweldo ka na.

07:23Ang problema,

07:24may mga nangyaring

07:25delayed ang sahod.

07:26So, walang-wala ka na.

07:28So, paano po yan?

07:29Maraming makakarelate

07:30sa akin dito.

07:30Okay.

07:32Mahirap po yung tanong ni

07:33Sir Audrey.

07:35Well,

07:37mas maganda po sana

07:37kung meron tayong

07:38emergency fund.

07:39Yun, emergency fund.

07:40So, kung hindi pa kayo

07:41nakakapagsimula,

07:42simula na po natin.

07:43Kasi, mahirap na

07:45emergency mo,

07:46hihingi ka ng tulong

07:47dun sa ibang tao,

07:48emergency fund naman nila

07:49yung magagalaw.

07:50So, hanggap maaari,

07:51iwasan po natin.

07:52Mars, pa-uta.

07:54Pero,

07:55ang pwede natin gawin kasi,

07:57parang,

07:57di ba may 50-30-20

07:58natin matawas?

07:59Okay, so 50

08:00for the necessity.

08:02Okay, 30 is for?

08:04For the savings.

08:05And then, 20 is for the emergency.

08:07Or kapag,

08:08gusto mong bilhin?

08:09Yes.

08:10Yung 30 po,

08:11pwede natin siyang hatiin

08:11sa emergency fund.

08:14Savings for long-term expenses

08:15like, gusto mong mag-ipon

08:16for a new couch,

08:18gusto mong bumili ng coach

08:20eventually.

08:21Tapos, 20,

08:22kailangan meron din

08:22for ourselves.

08:23Kasi, mahirap naman yung

08:24nagpapakandahirap kang mag-work,

08:26pwede hindi mo na-enjoy.

08:27So, parang walang satisfaction.

08:28Sana sapat mula sa gaso

08:29sa araw-araw

08:30na papunta sa trabaho

08:31at sa mga expenses

08:32sa bahay.

08:32On that note,

08:33maraming salamat

08:34sa pagbibigay ng hacks

08:35and advice.

08:36Walang iba na kasama

08:37natin ngayon.

08:37Of course,

08:38Ms. Ria Riccafranca

08:40is an Associate Financial Planner.

08:41Thank you so much.

08:42Maraming salamat, ma'am.

08:43Thank you po.

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