00:00First, since we already talked about investments,
00:08very important that you learn how to budget.
00:11Kasi saan ka kukuha ng pera pang save at pang invest mo?
00:15Kung ubus na yung pera mo sa everyday na gasas mo pa lang.
00:19So very important to start with learning how to manage your money.
00:24Believe it or not,
00:25ang first step dyan is to track your expenses.
00:28Huwag mo na isipin yung budget-budget.
00:31Just take note of saan ba pupunta yung pera mo?
00:34Saan mo siya ginagastos?
00:36Kasi once na malaman mo kung ano yung mga common expenses mo,
00:41it's easier to first allocate a budget
00:44para sa, for example, sa food, sa transport, etc.
00:48And even give yourself a budget para sa mga wants,
00:52para dun sa healing ng inner child mo.
00:54Kasi hindi naman masama yun.
00:57I understand that sometimes you need to buy things that you feel you deserve,
01:02things that make you happy.
01:03Ang sa akin lang is make sure that you're not overspending.
01:07So, how do you know if you're overspending?
01:10Or how do you know exactly how much your budget is for your shopping?
01:14Then, you first track your expenses so that you know exactly na ito yung limit ko sa paggastos.
01:21Ano yung key on how to manage our bonuses wisely while properly rewarding yourself,
01:28but still leaving some for investment?
01:32Sa akin, ang priority mo dapat dyan is yung magbayad ng utang.
01:37Diba?
01:38Kasi, yes, deserve mo makabili ng mga bagong gamit,
01:42pero deserve mo rin na hindi ma-stress sa mga tawag ng mga collecting agencies.
01:47Diba?
01:48Kasi, bibili ka ng napakagandang mga skincare.
01:51Useless yan kung stress ka.
01:52Kasi, magkakaringkas ka rin sa kakaisip sa mga utang mo.
01:55Diba?
01:56So, prioritize paying your debt.
01:59Once na mga bayaran mo na yung mga utang mo,
02:02or okay na yung mga loans mo,
02:04I think you can choose kung saan mo gagamitin yung mga bonuses.
02:08You can probably buy something that you've always wanted,
02:11something that you've been longing to buy for yourself.
02:15Kasi, yeah, deserve mo to.
02:17Pero, unahin yung utang.
02:18Yun lang yung simple kong request eh.
02:21Sayang yung extra money that you'll get.
02:24So, at least, pay off your debt, your loans.
02:27I see now everything is pretty clear,
02:30but where do you suggest we invest our bonuses?
02:33If we want to invest that bonus,
02:36where would you suggest that they do it?
02:38Very interesting yan,
02:39because iba-iba kasi yung mga tao.
02:42Ang lagi kong tanong is,
02:44ano ba yung bagay na gusto mong bilhin,
02:47and kailan yun?
02:49Because your investment choice will depend on your financial goal.
02:54Ngayon, kung hara, sinabi nila na,
02:56wala naman ako masyadong goal,
02:58which is the common answer.
02:59Then I tell them,
03:00then the best goal is to put that money in a low risk investment,
03:07kasi it now becomes part of your emergency fund.
03:11Kung wala kang balak bilhin,
03:13just put it in your emergency fund.
03:15So, saan siya pwede ilagay?
03:17Pwede sa time deposit,
03:18or money market fund,
03:19any low risk investment.
03:21But if you really have a specific goal in mind,
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