8 Money Tips Para Mapanatili ang Pera mo!

Summary

This video script offers practical financial advice for maintaining one's savings amid rising living expenses. It emphasizes developing a frugal mindset, setting monthly savings goals, sticking to financial goals, using the price method for smarter shopping, avoiding bad debt, curbing impulsive spending, increasing income, and prioritizing health. The tips aim to help viewers manage their money wisely and live within their means, ensuring financial stability and well-being.

Takeaways

• 😀 Develop a frugal mindset to manage money effectively without depriving oneself or wasting resources.
• 💼 Set a monthly savings goal to prioritize saving and ensure funds are allocated before spending on non-essentials.
• 🎯 Stick to financial goals to maintain direction and avoid impulsive spending that could derail long-term plans.
• 🔢 Use the price method by calculating price per unit and comparing prices to make informed and cost-effective purchasing decisions.
• 💳 Avoid bad debt by steering clear of buy now, pay later schemes that can lead to high interest payments and financial strain.
• 🚫 Do not be impulsive with money; carefully consider investments and avoid putting all savings into a single venture to mitigate risk.
• 📈 Increase income by adapting to changes in the economy, learning new skills, and potentially starting a small side business or service.
• 🌱 Prioritize health as it is a form of wealth; taking care of one's body and mind can prevent health-related expenses and maintain productivity.
• 🏦 Build an emergency fund to be prepared for unexpected events, ensuring financial stability and reducing stress during crises.
• 🛒 Practice mindful consumption by choosing healthy and less processed foods to reduce health risks and associated medical costs.
• 🤝 Choose a positive social circle and limit exposure to unhealthy influences that can affect financial and personal well-being.

Q & A

What is the main topic of the video?

The main topic of the video is providing eight money tips to help maintain one's finances during times of high living expenses.

Why is having a frugal mindset important according to the video?

Having a frugal mindset is important because it helps manage money without depriving oneself or wasting anything, and it is a skill that can be learned and applied in daily life.

What is the significance of setting a monthly savings goal as mentioned in the video?

Setting a monthly savings goal is significant as it prioritizes saving and ensures that a certain amount is set aside before any other expenses are met, promoting financial discipline.

Why is it recommended to have an emergency fund according to the video?

An emergency fund is recommended to have on hand for unexpected events such as accidents, illness, or job loss, ensuring one has money to fall back on during difficult times.

What does the video suggest to avoid when it comes to financial goals?

The video suggests avoiding impulsive changes to financial goals based on sudden desires to purchase non-essential items, as this can lead to a lack of discipline and consistency.

What is the 'price method' discussed in the video and why is it useful?

The 'price method' involves price per unit computation and price comparison. It is useful for identifying the more cost-effective option to purchase and helps avoid overspending.

Why should one avoid bad debt according to the video?

Avoiding bad debt is important because it can lead to high interest payments and financial strain, especially if payments are not made on time.

What is the advice given in the video regarding impulsive spending with money?

The advice given is to avoid being impulsive with money, as it can lead to quick depletion of funds and poor financial decisions, such as investing in ventures without proper research.

What does the video suggest to do in order to increase income?

The video suggests increasing income by learning new skills, upgrading knowledge, and possibly starting a small service or business during free time to adapt to changing economic times.

How does the video relate health to wealth?

The video relates health to wealth by pointing out that maintaining good health can reduce expenses related to illness and stress, which can indirectly contribute to financial well-being.

What are some practical steps mentioned in the video to maintain good health?

Practical steps mentioned include eating a balanced diet, avoiding sugary drinks, reducing fast food and processed food intake, exercising, and managing stress.

What is the impact of not maintaining good health on one's financial situation as per the video?

Not maintaining good health can lead to increased medical expenses and potential loss of income due to illness, which can negatively impact one's financial situation.

Why is it suggested to choose your social circle and media consumption carefully according to the video?

Choosing one's social circle and media consumption carefully is suggested because the environment and the information one is exposed to can affect one's mindset and financial decisions.

Outlines

00:00

💰 Managing Finances in the Face of Rising Costs

The paragraph discusses the challenges of maintaining personal finances amidst increasing living expenses. It emphasizes the importance of adopting a frugal mindset, which is about managing money without depriving oneself or wasting resources. The speaker suggests setting monthly savings goals, prioritizing savings before discretionary spending, and the significance of having an emergency fund for unexpected life events. The paragraph also touches on the importance of sticking to financial goals to avoid impulsive spending and the potential pitfalls of deviating from a financial plan.

05:02

🛒 Smart Shopping and Avoiding Bad Debt

This section of the script offers practical advice on how to spend wisely and avoid unnecessary debt. It introduces the 'price method', which includes computing the price per unit to identify better value for money, and comparing prices before making purchases. The paragraph warns against the trap of 'buy now, pay later' schemes that can lead to significant interest payments and difficult debt situations. It also advises against impulsive financial decisions, such as hastily starting a business or investing in get-rich-quick schemes, and suggests diversifying investments to mitigate risks.

10:07

🏋️‍♂️ Prioritizing Health for Financial Well-being

The final paragraph shifts focus from financial tips to the importance of health in maintaining overall well-being and indirectly supporting financial stability. It points out that health issues, often caused by stress and unhealthy lifestyle choices, can lead to significant expenses. The speaker encourages maintaining a healthy diet, reducing consumption of sugary drinks and fast food, and engaging in regular exercise to prevent health problems. The paragraph concludes by highlighting the impact of one's environment and social circle on health and financial decisions, advocating for a mindful approach to both aspects of life.

Keywords

💡Frugal mindset

A frugal mindset refers to the practice of being economical with one's resources and avoiding unnecessary expenses. In the video, it is the first tip given to maintain money in the face of rising living expenses. The script emphasizes that being frugal does not mean depriving oneself but managing money wisely, which is a skill that can be learned and applied in everyday life.

💡Monthly savings goal

A monthly savings goal is a specific amount of money one aims to save each month. The video script suggests setting this goal as a priority, even before paying for luxuries, to ensure that savings are not depleted. It illustrates the concept of 'paying yourself first,' which is a fundamental principle in personal finance for building an emergency fund and achieving long-term financial stability.

💡Financial goals

Financial goals are the targets an individual sets for their economic life, such as saving a certain amount or purchasing an asset. The script mentions sticking to these goals to prevent financial mismanagement and to maintain direction in one's financial journey. It warns against the temptation to deviate from these goals for impulsive purchases, like the latest iPhone, which could derail financial progress.

💡Price method

The price method is an approach mentioned in the script to determine the cost-effectiveness of products by comparing prices per unit or by comparing the prices of similar items. It is an underrated method for saving money and ensuring value for money spent. The script provides examples of calculating price per unit for different brands of shampoo to illustrate which is the more economical choice.

💡Bad debt

Bad debt refers to debt that is incurred due to unnecessary or impulsive spending, often on non-essential items. The video warns against falling into bad debt traps, such as buy-now-pay-later schemes, which can lead to high interest payments and financial stress. It advises viewers to be cautious about taking on debt and to prioritize paying it off to maintain financial health.

💡Impulsive spending

Impulsive spending is the act of making purchases without careful consideration or planning. The script describes it as a behavior where individuals may quickly spend their money or invest in ventures without proper research, leading to potential financial loss. It advises against such behavior and encourages making well-thought-out decisions to protect one's wealth.

💡Income increase

Income increase refers to the growth of one's earnings over time. The video emphasizes the importance of adapting to changing economic conditions by learning new skills or upgrading existing knowledge to stay competitive in the job market. It suggests that by increasing one's income, one can better cope with inflation and rising living expenses, ensuring financial stability.

💡Investment

Investment in the context of the video refers to the act of allocating money with the expectation of generating returns. The script advises against investing impulsively or putting all one's savings into a single venture, which can lead to significant financial loss if the investment fails. It promotes diversification and careful research before investing, as well as considering the long-term perspective.

💡Health

Health is mentioned in the script as a form of wealth that should be maintained. It points out that poor health can lead to unnecessary expenses due to stress and illness caused by unhealthy eating habits and lifestyle. The video encourages viewers to take care of their health by making better dietary choices, exercising, and reducing stress, which indirectly contributes to financial well-being by reducing medical costs.

💡Living expenses

Living expenses are the costs associated with daily life, such as food, housing, and transportation. The video script highlights the increase in living expenses as a reason why financial management is crucial. It uses examples from the script, such as the rising prices of simple snacks and jeepney fares, to illustrate the impact of inflation on the cost of living and the need to adjust one's financial habits accordingly.

Highlights

The importance of developing a frugal mindset to manage personal finances effectively without deprivation or waste.

The necessity of setting a monthly savings goal to prevent financial depletion and prioritize savings before discretionary spending.

The benefit of having an emergency fund for unexpected life events such as accidents, illness, or job loss.

The significance of sticking to financial goals to avoid unnecessary spending and maintain discipline in financial habits.

The introduction of the price method, which includes unit computation and price comparison for smarter shopping decisions.

Avoiding bad debt by steering clear of buy now, pay later schemes that can lead to high-interest payments.

The warning against impulsive spending with large sums of money, which can lead to poor decision-making and financial loss.

The advice on not investing all savings into a single venture to mitigate risk and ensure financial security.

The suggestion to increase income by adapting to changing times through learning new skills or upgrading existing knowledge.

The emphasis on maintaining health as a form of wealth, considering the costs associated with stress and illness.

The recommendation to eat healthily and avoid unhealthy foods and drinks, such as sugary beverages and fast food.

The advice to reduce dining out and opt for home-cooked meals to cut down on cholesterol intake and improve health.

The encouragement to exercise and engage in activities that reduce stress and contribute to overall well-being.

The strategy of choosing a supportive social circle that promotes health and wealth, rather than negative influences.

The importance of selecting information from social media platforms that is beneficial and avoids unnecessary stress.

The reminder that health is wealth and should be maintained through proper diet, exercise, and stress management.

Transcripts

madalas ka bang walang maipon saka din

ba sa mga nagtatrabaho na lang para

magbayad ng bills kung ang sagot mo para

SAO ang video natin for today Ano ba ang

walong money tips para mapanatili ang

pera mo Sa panahon ngayon ang taas na ng

living expenses Marami ng nagmahal Kahit

nga murang meryenda noon na PH ph5

ngayon php10 ng isa dati naabutan ko pa

yung Php na pamasahe sa jeep pero ngayon

php3 na Ilan lamang ito sa mga simpleng

example ng pagbabago sa presyo ng mga

produkto at serbisyo sa kabila nito

Paano mo ba mapapanatili ang pera mo

pero before we start i-like mo na rin

ang ating video kaya kanda ka na Let's

go number one magkaroon ng frugal

mindset ito Nam marahil ang pinaka-basic

na tinuro sa atin Mula pa ng bata tayo

pero ito rin ang pinakamahirap na gawin

Marami kasi ang nasanay sa puro gasa

dito gasa Doon na mindset akala nila na

kapag frugal o matipid ka eh para bang

nakakahiya yun kasi hindi ka nakakasabay

sa mga tao sa paligid mo o dun sa uso

pero tandaan na frugal

is managing your money in a way where

you are not depriving yourself nor

wasting anything meaning Okay lang naman

maging frugal as long as hindi ka

nagsa-suffer halimbawa ang tipid-tipid

mo nga tapos di ka naman kumakain pangit

naman yun di ba tandaan ng pagtitipid

isang skill Hindi ito Inborn sa atin

Ibig sabihin kaya natin ito matutunan

over time through practice or simply

applying it everyday live within our

means and never above unahin ang sarili

nating mga responsibilities bago mga

luho at mag YOLO number two mag-set ng

monthly savings goal para hindi maubos

basta ang pera Kailangan na unahin mong

i-prioritize yung ipon mo pwede kang

gumawa ng separate na savings account or

kung hindi man mag-set ka ng halaga na

automatic mong ise-save kahit anong

mangyari for example ang monthly saving

goal mo ay Php1,000 so kapag natanggap

mo na ang sahod mo i-save mo na kaagad

yung amount na ito para hindi mo na

magagalaw pa pay yourself first sika nga

unahin mo munang bayar ung sarili mong

savings bago mo bayaran si shopee si

Lazada at mga biso mo ang pag-set ng

monthly savings ay napakaganda ring

habit na nagpapakita na magaling kang

humawak ng pera importante rin na

magkaroon ka muna ng emergency funds

para meron kang pera kung sakali

magkaroon ng unexpected na mga events sa

buhay mo tulad ng aksidente sakit o

Nawalan ka bigla ng trabaho Mas maganda

ng lagi kang may savings at may

emergency fund para hindi ka magugulat

na wala ka na palang kapera-pera number

three mag-stick sa financial goals mo

para hindi labo-labo yung nangyayari sa

pera mo importante na meron kang

direksyon o goals pagdating dito

kailangan ng kahit anong mangyari ay

hindi ka pa bago-bago para naka-align ka

pa rin sa goals mo example number one

goal mo ay makapag-save ng Php1,000 this

year so dapat mag-stick ka dito at

gumawa ka ng mga paraan para ma-achieve

mo ito Hindi pwede na bigla mong

babaguhin at hindi to gagawin kasi may

bigla kang gustong bilhin example na

temp ka na bumili ng latest na Iphone so

most likely na hindi mo na mahi yung

number one goal mo kasi nga nauna yung

ones mo o yung luho Di ko naman sinabi

na Huwag ka ng bumili ng Iphone pero the

more na binabali mo yyung financial

goals mo the more na nawawala yung

disiplina mo at consistency magiging bad

habit yan or cycle na mahirap baguhin

subconsciously tumatatak din sa utak mo

na wala ka palang kayang i-achieve na

goal sa buhay kasi hindi mo na naman

na-hit yung target mo this year dahil

na-distract ka sa ibang bagay kaya bago

ka mag-decide tanungin mo muna ang

sarili mo kung align ba ito sa iyong

goal ang pagbili ba ng Iphone ay

makakatulong sa goal mo kung hindi Huwag

na lang i-apply natin ang tip number one

dahil hindi yung goal ang Babaguhin mo

kundi yung decision making mo Number

Four price method pag-usapan natin yung

underated na method para mas makatipid

ka at masulit mo yung pera mo imbentong

term ko lang ' guys ha isip ko lang

ngayon pero ito yan number one price per

unit computation at number two price

comparison sa number one pwede niyong

i-compute yung price per unit para

ma-identify ninyo kung ano yung masulit

na bilhin for example merong brand x at

brand y si brand x na shampoo ay merong

200 mL at

Php350 so pag kinompute natin yan Php350

/ 200 mL equ Php1 75 centos per mL ang

presyo nito si brand y shampoo naman ay

merong 450 mL at

php40k compute natin yan php800 / 450 mL

ang lalabas equ 1.06 per mL so

technically mas sulit na bilhin mo yyung

brand y Kahit mas mahal ito sa number

two na price comparison bago ka bumili

ng isang bagay i-practice mo yung

ang price method ay isang simpleng

paraan para mas malaman mo yung dapat

mong bilhin upang maiwasan mong gumastos

ng sobra in some way naka-save ka rin

dito ng Money number five iwasan ang bad

debt dahil uso ng mga Buy Now pay later

maraming mga taong para bang

na-brainwash ng mga malalaking kumpanya

na gumasto sa kanilang mga produkto

nalisa itong scheme kung saan para bang

na-take yung utak mo na hindi magbayad

ng malaking halaga kaagad pero ang

kapalit naman nito ay yung interest na

mas lal laki pa yung babayaran mo

bandang huli lalo pa kung hindi ka

nakakabayad on time kaya mahirap pang

maadik sa mga utang o bad de para sa mga

luho the more pa na malaman ng mga

bangko na mahilig kang gumastos the more

rin na lagi kang tatawagan ng mga Agents

nila at makakareceive ka ng samutsaring

text and email na maengganyo lang SAO na

gumastos pa ng maraming pera Hindi naman

masama na umutang pero sana doun na lang

sa utang na mapagpalang pera mo kung

meron kang negosyo number six Huwag

maging impulsive sa pera marami sa atin

ay h na alam ang susunod na gagawin

kapag nakahawak na ng pera o kapag may

naipon na na malaki yung iba gustong

gastusin kaagad yung pera kaya ang bilis

maubos pero ung iba naman gusto pang

kumita ng malaki which is good pero

dahil masyadong impulsive ay doon

nagkakamali biglang magi-start ng

negosyo ng h man lang inaral yung

itatayong business kaya ang ending ang

bilis magsara ang iba naman mag-i-invest

at ilalagay sa mga bagay na magp palago

ng mabilis sa kanilang pera pero bandang

huli scam pala nabulag sa mga kotse sa

pinapangit ang pera tapos ang laki daw

ngs at mabilis ang roi e ang problema ni

hindi man ang nag-research o nagkaroon

ng duda kahit masyadong too good to be

true na pero if ever mag-invest ka sa

mga legit na investment tanda na huwag

mong i-invest lahat ng iyong pera o

naipon sa isang investment lang maglagay

lamang tayo ng let's say 10% ng ating

ipon halimbawa sa 100,000 mong ipon 10

lamang ang dapat mong i-invest para kung

hindi ito mag-work ay meron ka pa ring

matitirang malaking pera at pwede mo

pang i-invest sa iba ito eventually ang

dapat mong iwasan a yung mag-all in sa

isang investment Dahil kapag nalugi

babalik ka ulit sa zero kaya mag-set a

side lang ng percentage or budget para

sa investment pag-aralan maigi ang

pupuntahang investment before investing

be patient lang sa pag-invest and always

look at the long term number seven

pataasin ang income mo kung hindi

nagbabago ang kinikita mo sa pagtagal ng

panahon ay lalo kang naghihirap ng hindi

mo namamalayan ito'y dahil sa inflation

pagtaas ng living expenses at kasabay na

rin yung paghina ng buying power ng pera

mo tulad ng example natin kanina na

kahit simpleng meryenda at pamasahe

mahal na kaya imagine kung same pa rin

ang kinikita mo mahirapan kang sumabay

sa pagtaas ng lahat ng bagay kaya naman

Mararamdaman mo na para bang wala ng

natitira saong pera o kinakapos pa

kaimportante na sumabay ka sa mabilis na

pagbabago ng panahon kailangan mong

mag-adapt ng bagong skills or i-upgrade

ng knowledge mo may reason kung bakit

mas Kumikita ng malaki yung mga taong

mataas ang pinag-aralan o may skills na

in demand importante para hindi ka

ma-stock kailangan mo ring mag-level up

wala na tayo sa panahon nng araw na

madaling matanggap sa trabaho dahil sa

taas na rin ng requirements at

qualification sa mga kumpanya ngayon Mas

marami ka na rin c-c at mas marami na

ring skilled na tao ngayon na mas

gustong kunin ng mga kumpanya increase

your income by learning being a master

sa field mo new skills or start kahit

maliit na service o business sa iyong

free time na kaya mong gawin at i-manage

bagong number eight quick recup tayo ng

money tips para mapanatili ang pera mo

number one magkaroon ng frugal mindset

number two mag-set ng monthly savings

goal number three mag-stick sa financial

goals mo Number Four price method number

five iwasan ng bad debt number si huwag

maging impulsive sa pera number seven

pataasin ang income mo at number e be

healthy be healthy always in mind and in

body isa sa mga dinas ang gastusin natin

kahit di natin gusto ay kapag tayo'y

nagkasakit dulot ng iba't ibang mga

factors tulad ng stress at sakit na

nakukuha natin sa mga de healthy na

pagkain at maling lifestyle galing

alagaan ang mga sarili natin tulad na

lang ng pagkain ng tama Iwasan na rin ng

matatamis na inumin tulad ng soft drinks

milk tea na inorder mo with 100% sugar

bawasan na rin ng pagkain sa labas mga

fast food at processed food Al wings at

Ally gup naa nagbibigay ng marami

cholesterol sa ating katawan hindi mo

man maramdaman ng sakit habang bata ka

pa Mararamdaman mo naman ito pag matanda

ka na at baka huli na ang lahat Try mo

ring mag-exercise o

magpapawis iwasan din natin ang stress

doun lat ng ibang tao dito nag-a-apply

ang choose your circle dahil your

environment affects you and your mind

pili ng mga kaibigan natin na

nakakasalamuha at pati yung sa social

media platforms piliin lang yung mga

nakikita mo sa araw-araw na balita at

impormasyon na ipapasok mo sa iyong

isipan tandaan health is

[Musika]

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