Aired (January 9, 2024): Bagong taon, bagong hamon para mag-ipon! Kaya naman para sa mga nais kumasa sa ipon challenge ngayong 2024, may saving tips para sa inyo ang isang financial consultant. Alamin ‘yan sa video.
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00:00 You have a saving technique so that your savings won't stop.
00:06 One joke.
00:07 Of course, we need that.
00:09 We need financial discipline.
00:11 Yes, that's true.
00:12 It's very important, especially if you have a child.
00:14 Especially if you have a family.
00:16 The Filipino's being discarded is very useful in these savings challenges.
00:20 That's the story of Katrina Son.
00:25 Videos of breaking a balance and counting the saved money are viral and selling like hotcakes.
00:32 Some people save money by using coins and paper in water barrels.
00:36 Even the walls of houses are being broken by a balance when they're in a hurry to save money.
00:42 For some, saving money is a literal challenge.
00:45 So they're trying different methods and discarding.
00:52 Saving money has been a challenge for Mark Anthony, a government employee.
00:58 He has tried saving money several times.
01:01 There were times when I was a student and I saved money because I have money.
01:06 But I didn't save it continuously.
01:08 I played online games and I also have other hobbies like basketball.
01:14 Even when Mark is working, he still finds it hard to save money.
01:18 My first job was during the pandemic.
01:20 My salary was 150 to 200 pesos.
01:23 If we have a house, we can save money.
01:25 Especially when it comes to riding a motorcycle.
01:27 Everyday, I think I don't save money.
01:30 But I try to save even if it's only 10 or 20 pesos.
01:33 Maybe it's because I don't have knowledge in saving.
01:37 Even if it's just a little, I try to save.
01:39 Peter Singh, a financial consultant, explains that a person's income or money is a big factor in his saving.
01:48 I usually encounter problems with my fellow countrymen.
01:52 I can't save because I don't have enough money.
01:55 I don't have enough money to spend.
01:56 It's a payday-to-payday basis.
01:58 What I always say is that the way to save money is to have an assessment.
02:04 Or to examine the expenses we have.
02:08 Are we spending the right amount?
02:10 Do we really need to spend?
02:14 That's why Mark Anthony started to change his mindset when it comes to spending and saving.
02:20 The amount of money I spend is not that big.
02:24 But the important thing is that I discipline myself on how to spend money.
02:28 I'm greedy when it comes to food.
02:29 I try to reduce my food intake.
02:31 I don't go out often.
02:34 He saves directly from his savings.
02:38 I started a calendar.
02:40 I set it to 100 per day.
02:44 I bought a savings box.
02:45 I started with 20, 50.
02:47 I added more.
02:48 I added more.
02:50 I saved up to 170 to 200 pesos a day.
02:54 After the year 2023,
02:56 his saving method reached 36,500.
03:02 And today,
03:03 Ta-da!
03:04 He will open his savings box that contains 50 and 20 pesos bills.
03:10 Where did he save up to?
03:13 According to Peter,
03:14 we all have the ability to save up.
03:17 Because even the barriers in our pockets can start and increase.
03:21 If you have 10 pesos to save every day,
03:25 you can save up to 300 pesos a month.
03:30 Meaning, it will reach 3,600 pesos a year.
03:34 If you look at an ordinary wage earner,
03:37 3,600 is a lot.
03:39 I believe that no matter what level of income a person earns,
03:46 he can still save up.
03:49 Peter also added,
03:51 You will get that from things that don't require spending.
03:57 Cigarettes, soft drinks,
03:58 even money peddling.
03:59 Those things don't require spending.
04:02 To continue and save up,
04:06 this is what you need to know.
04:08 It should be second nature for us to save up as much as we can.
04:14 You should enjoy saving up.
04:17 You should look at it as your salary.
04:19 This is how you budget for your needs,
04:24 including savings.
04:27 Remove the thought that it's not enough or it's small.
04:29 If you have a debt,
04:31 you should first pay off your debt.
04:32 Start with the easier ones.
04:33 You can pay small amounts to big ones.
04:36 The important thing is to zero out.
04:39 Mark Anthony is ready to save up.
04:42 We saved up 10,000 pesos in our 50s.
04:50 We have 20s that total 4,000.
04:54 So we have 14,000 pesos in our 50s and 20s.
04:59 Mark Anthony also reminded us that
05:01 when saving up,
05:02 you shouldn't be too heavy so it won't be considered as a burden.
05:06 We should start with what we can afford.
05:10 I've been saving up for 2 months.
05:12 I've been able to buy rice.
05:14 You can start saving up.
05:17 The important thing is that you have someone to lean on
05:19 and you can be sad when you need someone.
05:21 I'm Katrina Son,
05:23 and that is the story you need to know.
05:27 (music)
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05:45 (music)
05:48 you