Ipon hacks para sa 2025 dapat mong malaman

PTVPhilippines

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00:00Now, in 2025, saving money is important to achieve financial security and fulfill our dreams.

00:07In the future, we will share practical tips on how to save money so that you can start the year on the right path

00:14and be sure that you will save money by the end of the year.

00:17And for this, we will be joined by the financial planner, Charice Villaruel, for Ipon Tips this 2025.

00:23Good morning, Ms. Charice. Welcome to Rise and Shine Philippines.

00:28Hi, Sir Joshua. Good morning. And to Sir P.P., to Ms. Diane, good morning to all of you.

00:34Yes, ma'am. Good morning.

00:35Since there are still many who are having a hard time saving,

00:38what are the basic steps that we can do to start saving this 2025?

00:45That's a good question, Sir Joshua.

00:47Especially at the beginning of the year.

00:49For us who are working or earning in business,

00:53the first step to start saving is to make a budget.

00:58It's good to list our expenses so that we can see where the money we are spending is going and we can control it.

01:08The first step is really awareness.

01:11We need to see the bigger picture because numbers don't lie.

01:16We also need to know why we want to save.

01:20What is the purpose of saving?

01:23What do we want to do with our money?

01:25At least, we need to be clear about that so that it's easy for us to know what is the source of our money.

01:35And Ms. Charice, how can we know how much we should save every month?

01:41Because sometimes, we can't avoid emergencies.

01:44There are people who are beside you, but there are also unexpected things that happen.

01:49There are emergencies and money is being spent.

01:51So, what should we do?

01:55That question, Sir Joshua, how can we know how much we should save?

02:01One of the universal or common ways of budgeting is what we call the 50-30-20 budget rule.

02:09It means that what we earn per month or per quince, when we combine it,

02:14the 50% is allocated for our needs.

02:19It should go to non-negotiable expenses.

02:22The things that we can't live without.

02:27House, electricity, water, grocery, medicine, Wi-Fi.

02:31That's for this.

02:33The 30% of our salary or income in the business is for the wants.

02:38This is not to restrict us.

02:41Of course, we still have leisure and fun.

02:45We won't sacrifice our happiness because that's part of our budget.

02:50And that's one of the reasons why we are pursuing it.

02:54And the 20% of our income is for our future savings.

03:00This is for our financial goals, like business, travel, if it's our trip.

03:07At least 20% of our income should go here.

03:12But of course, because the finances of each of us are different,

03:17and we are different when it comes to our financial life,

03:21this can range in different percentages.

03:27So, segregation of expenses is important, and of course, discipline.

03:31But for our RSP's to know,

03:33what type of savings account is the best to use for short-term and long-term goals?

03:41That's a good question, Sir Joshua.

03:43Because the short-term goals, just so many of us know,

03:49the short-term goals are equivalent to one year or less

03:53that you want to do with your money.

03:56Usually, digital banks are popular now,

03:59because of the high interest they give,

04:02but it's still liquid.

04:04It means it's still easy to withdraw.

04:06And it's still safe.

04:08Just like traditional banks,

04:10what's different are the traditional banks that we know,

04:13the big banks that have physical branches.

04:16But digital banks, they only have online.

04:20As long as it's registered in BSP and PDIC,

04:23it's okay to put money in digital banks.

04:27For medium to long-term goals, Sir Joshua,

04:30it usually ranges from 5 to 10 years or more.

04:33It's not in the savings account,

04:35it should be put there because our money needs to flow,

04:40and it's not just sleeping in the bank.

04:43A good place to put it, for medium to long-term goals,

04:47is first, mutual funds offered by investment companies.

04:52We just need to think about where to put the money.

04:57Second, Unit Investment Trust Fund, or UITF,

05:02offered by banks.

05:05Usually, if you have this, Sir Joshua,

05:08in major banks,

05:11UITF offers investment from banks.

05:14And there are stocks, of course,

05:17offered by brokers.

05:19We just need to think about the brokers

05:22that we can comfortably use.

05:24And another thing,

05:27if you're just starting to invest,

05:31you can consider this,

05:33Modified Pag-ibig 2, or Pag-ibig MP2.

05:37Oh, okay.

05:39Yes.

05:40You mentioned digital banking and Modified Pag-ibig 2.

05:43Do you have any tools or apps that you can recommend

05:47that can help with budgeting and tracking expenses

05:50so that the expenses can be monitored?

05:54Sir Joshua, personally, I use an app.

05:57This app is called Build My Wealth.

06:01It's in the Play Store and App Store.

06:03It's free.

06:05The developers who made this app are also Filipino.

06:08But sometimes,

06:10especially for young people,

06:14you can use Google Sheets.

06:16You can do a lot of budget trackers

06:18using Google Sheets.

06:20It's very comfortable.

06:21It will be the best friend of anyone,

06:24depending on their habits.

06:25But for other people,

06:27grandparents, uncles and aunts,

06:29even just a notebook,

06:30it's a battle against them.

06:32As long as it's disciplined.

06:33That's right.

06:34But from your perspective, Ms. Charisse,

06:37what are the common mistakes

06:39or mistakes that our countrymen should avoid

06:43when it comes to saving?

06:44And how can we avoid this?

06:48Sir Joshua, you have three common mistakes.

06:53First, we tend to focus on the things that are popular

06:57and new.

06:59But happiness is the only thing that can be given to us.

07:03And it's easy to get tired of it.

07:05Added value is not enough.

07:07Second, we should save first

07:10the things that we can avoid.

07:12We should focus on the foundation of our finances,

07:16our security,

07:18because when we are prepared for an emergency,

07:21especially when it comes to our health,

07:24and we are ready for retirement,

07:27we won't have a hard time when that time comes.

07:30And third,

07:31this is just a trick or mind conditioning

07:36to know if something is worth it or not

07:40before we buy it.

07:41We know how many hours of work

07:44we need to do to buy it.

07:48So to our viewers,

07:50you can check your calculator.

07:52Let's compute for a while.

07:55If you hold your phone,

07:58let's say you earn 20,000 pesos a month

08:02for 22 days.

08:05If we divide that into 900 pesos,

08:08that's what you earn in a day.

08:11And in a day, you have an 8-hour shift.

08:14So it's around 114 pesos

08:18that you get paid every hour.

08:20That's the value that your company gives you

08:26if you have a business.

08:29If you want, sir Joshua,

08:31the latest iPhone or phone worth 80,000 pesos

08:35but the phone is still iris,

08:37is it worth the hours of work?

08:40That's a good mind conditioning.

08:43That's where you can see if it's worth it.

08:45But some of us,

08:48like we mentioned earlier,

08:50we have emergencies and loans.

08:52So do you have tips

08:54on how to manage your debts

08:56while saving money?

08:59Okay, sir Joshua.

09:01Actually, you should put your debt

09:04in the month of your budget.

09:06Because first, it's not money.

09:09Second, if there's interest,

09:11it can add to your savings.

09:14So in principle,

09:16you should pay your debt

09:18to your credit card,

09:20to lending apps,

09:22to other people

09:23because it's hard to feel

09:26especially if the interest continues, sir Joshua.

09:30And what can you say, Ms. Charisse,

09:32about the mindset

09:34or psychological aspect of saving?

09:37And how can we maintain the motivation

09:40to save?

09:44Okay, that's a good question, sir Joshua.

09:46We have what we call the Marshmallow Test.

09:50And it's good to apply it

09:52to the concept of saving money

09:55because it's a practice of delayed gratification.

09:58If you can save for a longer period of time,

10:02and you wait for the savings to be complete

10:06when you're not spending,

10:08the reward is greater.

10:09Of course, the savings is greater,

10:11your money is greater

10:12when you're spending

10:13on more meaningful things.

10:15So patience is one of the keys to success.

10:19So the Marshmallow Test

10:21is one of the practices

10:23that we can do

10:24when it comes to saving money.

10:26Alright, I learned a lot.

10:28Thank you very much for your time,

10:30Ms. Charisse Villaruel,

10:32our financial planner.

10:35Thank you, sir Joshua.

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