8 Money Tips Para Mapanatili ang Pera mo!
Summary
TLDRThis 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
- π Develop a frugal mindset to manage money effectively without depriving oneself or wasting resources.
- πΌ Set a monthly savings goal to prioritize saving and ensure funds are allocated before spending on non-essentials.
- π― Stick to financial goals to maintain direction and avoid impulsive spending that could derail long-term plans.
- π’ Use the price method by calculating price per unit and comparing prices to make informed and cost-effective purchasing decisions.
- π³ Avoid bad debt by steering clear of buy now, pay later schemes that can lead to high interest payments and financial strain.
- π« Do not be impulsive with money; carefully consider investments and avoid putting all savings into a single venture to mitigate risk.
- π Increase income by adapting to changes in the economy, learning new skills, and potentially starting a small side business or service.
- π± 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.
- π¦ Build an emergency fund to be prepared for unexpected events, ensuring financial stability and reducing stress during crises.
- π Practice mindful consumption by choosing healthy and less processed foods to reduce health risks and associated medical costs.
- π€ 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
π° 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.
π 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.
ποΈββοΈ 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.
Mindmap
Keywords
π‘Frugal mindset
π‘Monthly savings goal
π‘Financial goals
π‘Price method
π‘Bad debt
π‘Impulsive spending
π‘Income increase
π‘Investment
π‘Health
π‘Living expenses
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]
wealth
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