Mga tricks and tips para maging hassle free ang last minute Christmas shopping!

PTVPhilippines

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Transcript

00:00It's only been two days and it's already Christmas, Meiji, but not everyone is ready for the Christmas celebration and Noche Buena

00:07because a lot of us,

00:09That's me!

00:10love to go to the Christmas rush, or if not, we're so busy that we only buy at the last minute.

00:17That's true, Audrey. That's the same for me.

00:20But it's hard. Aside from the long line, sometimes you really have to spend money

00:26because you don't have time to look for other options, that's why you're forced to buy expensive gifts.

00:33That's why, to help us master the last minute Christmas shopping,

00:38we have with us Iza Galino, a financial advocate.

00:43Good morning, Iza!

00:45Good morning, Iza!

00:46Welcome to Rise and Shine Pilipinas!

00:48Good morning! Hello to our Rise and Shine Pilipinas!

00:53Good morning to all of us!

00:57Okay, Ma'am Iza, what are the practical tips that you can share with our RSP

01:04so that we can save on last minute Christmas shopping?

01:09You already mentioned it at the beginning, right?

01:11Time is our real enemy, aside from money.

01:14Like these last minutes.

01:16That's why one of the solutions that we give is to prepare earlier.

01:24When Christmas comes early in the Philippines,

01:29by September, we already have a list, we already have a budget,

01:34we already have a list of gifts that we know we'll be giving away.

01:37Christmas always comes at the exact date,

01:41that's why it's really possible to prepare ahead of time.

01:45One of the things that I usually do is, I only save for December in January.

01:51It's called a sinking fund.

01:55You can research what a sinking fund is,

02:00but it's one way so that when December comes, we don't have to spend our bonuses

02:04just for Christmas.

02:06In other words, we still have an extra fund that we can use.

02:11Setting a budget is also important.

02:14Yes, ma'am.

02:15It's so nice that you're already saving in January.

02:19We're running out of money in January.

02:22Yes, you're already saving in January for December that year

02:27so that you won't have to spend your bonuses.

02:30That's a great tip.

02:32But Ms. Iza, how can we avoid overspending

02:36if we're not prepared to suddenly buy?

02:41The schedule is so busy, life happens.

02:45How can we avoid overspending?

02:49That's right.

02:50It's hard to avoid overspending, especially during Christmas season.

02:54You really want to give and give,

02:57and you always say,

02:58sometimes, let's just spend.

03:01But let's always remember, generosity comes in different forms.

03:04If we can't be generous with our gifts this year,

03:09we can be generous with our time,

03:11we can be generous with our kindness,

03:13with our words.

03:14That's possible.

03:16Now, if we can set a budget

03:22and go around the families

03:27that can afford the budget we set for our gifts.

03:31Another thing that can happen is,

03:33instead of giving gifts to all the families,

03:37you can just pick one to give as a gift.

03:41That's another thing.

03:42So, you can give to everyone,

03:44but the price is not that high for each family member.

03:50It's the same if you have friends.

03:53Actually, it's better to give one to one instead

03:57because it's cheaper.

03:59But again, as long as we don't go to debt,

04:05hopefully, that's the only thing we can avoid,

04:10just to cover for our gifts, for our gifts.

04:13Because next year, we can still give a lot of gifts

04:19to our loved ones in life.

04:21And be prepared to give gifts.

04:24It's very much fortunate and a blessing

04:28that we can celebrate Christmas together.

04:31This is what I notice, Meiji and Ms. Isa.

04:34I used to be like this.

04:37When you go to the mall,

04:38that's when you'll think about your gift.

04:40That's when you'll look for it.

04:42That's when you'll think of an idea

04:44of what you can give as a gift.

04:46And you'll think about who you'll give it to.

04:48That's when you'll run out of time.

04:50You'll go around the mall and nothing will happen.

04:53What are the right mindsets and priorities

04:56so that you won't get stressed

04:57in the last-minute shopping and grocery shopping?

05:01That's true.

05:02That's the scenario.

05:03And sometimes, when we go home,

05:05we're hungry, we want to eat,

05:07and we already know what to buy.

05:12Or we can see what we want to buy

05:15because we deserve it.

05:17So, for me, it's a list.

05:20I personally like to list things.

05:23But it's good to list what we'll buy

05:27and what we'll give.

05:29And the amount of gifts we'll give to them.

05:33And one of my suggestions is

05:37to look at the stores

05:42that can provide what we want for our loved ones

05:46in a fraction of a price.

05:49I know it's better to go to the stores early

05:53so that we won't be limited in time.

05:56There's a lot of traffic right now

05:58because everyone is outside.

06:00So, we'll factor in everything.

06:02This is where the early preparation comes in.

06:07If we're having a hard time right now

06:09because we've only slept for a few days,

06:12we'll make up for it next year.

06:14At least now we know how stressful it can be.

06:18And next year will be much, much better

06:21when it comes to our gifts

06:23or when it comes to buying gifts and gifts.

06:26We'll like it sometimes.

06:28But sometimes, other companies

06:30also provide a bonus rate.

06:33So, when an employee receives a gift,

06:36he'll be able to cover his shortcomings.

06:39That's what's happening.

06:42Ms. Iza, what advice would you give

06:44to avoid buying unnecessary things

06:48or impulsive shopping or spree?

06:53Continuous assessment of needs versus want.

06:58What do we buy?

07:00Is it a need or a want?

07:01If it's a want,

07:02what I usually do is

07:04I'll buy this again.

07:05Ms. Iza, I'll buy this again.

07:08I try to wait out.

07:09I wait for 7 days,

07:11but personally, I wait 30 days.

07:13If I still want something after 30 days,

07:16it's much more likely,

07:18it's easier for me to buy it.

07:20Because first of all,

07:21I'll get a new salary

07:23or I can save money.

07:25Or thirdly,

07:26if there's a discount,

07:27a promo,

07:28or fourthly,

07:29most of the time,

07:30I don't want it anymore.

07:31Because sometimes,

07:32if it's a want,

07:34at that time,

07:35you'll think you need it.

07:37You'll think,

07:38but just a few days,

07:42you'll get it back.

07:44So, need versus want

07:47is the best advice

07:49when it comes to impulsive shopping.

07:52I have times

07:54when you want it,

07:55and you think,

07:56oh no, I might lose it.

07:57But most of the time,

07:59I do what Ms. Iza said,

08:01that you should sleep first.

08:04Especially,

08:05if an item is too expensive,

08:07you should sleep first.

08:08And then,

08:09the next day,

08:10if you really want it,

08:11you can come back

08:13or save money

08:14to get it again.

08:15Ms. Iza is right.

08:16Sometimes,

08:17it's a marketing strategy.

08:18To make you buy their item,

08:20they'll give a low discount

08:22or give you promos.

08:24Ms. Iza,

08:25how can they benefit

08:27or get discounts or promos

08:29this holiday season?

08:32This holiday season,

08:34let's use it.

08:36If we have promos or discounts

08:38that we can get,

08:39it's a waste.

08:41But now,

08:42let's be careful.

08:43Most of the time,

08:44we get the discount or the promo.

08:45For a marketing strategy,

08:48you need to buy a certain amount.

08:50Sometimes,

08:51if it's too expensive,

08:52for example,

08:53you need to pay P5,000

08:55before you get the 10% discount

08:57or your second item

08:59is this price.

09:01So,

09:02you need to assess

09:03because we might have bought

09:04too much

09:05compared to our discount.

09:07Okay?

09:08So,

09:09don't waste the discount.

09:11You need to read

09:12and know.

09:14There are a lot of promos now,

09:17especially for credit card users.

09:19But,

09:20assess it yourself.

09:22If the discount is too expensive,

09:25you need to

09:27read and know.

09:29Because there are promos

09:31like buy now, pay later,

09:34installments,

09:35and it's easy

09:38in the beginning.

09:39But, if it's too much,

09:40you need to stack it up.

09:42And,

09:43we'll go home

09:44if the discount is too expensive.

09:46We'll celebrate the new year.

09:48Right?

09:49Yes.

09:50We don't want that.

09:53I know someone like that,

09:55Ms. Iza.

09:56They're really like that.

09:57When the time comes,

09:59even if they borrow money,

10:00they'll just present it to people.

10:03Yes.

10:04It becomes a habit.

10:05It's hard.

10:06Well, all habits

10:07are hard to break.

10:08But, hopefully,

10:09those practices

10:10won't continue

10:12because it's hard.

10:13And, Ms. Iza's point

10:15that you thought

10:17it's a discounted pay later.

10:19But, if you bought a lot of pay later,

10:22it accumulates

10:24and you'll pay a lot

10:26for your monthly bills.

10:28Ms. Iza,

10:29for those who want to buy a gift

10:32but you're on a budget,

10:33how can you make a meaningful gift

10:36even if it's affordable

10:37and from the heart?

10:41We have a saying

10:42that it's the thought that counts.

10:44As long as you remember

10:46it's a big part of your life.

10:52I think meaningful gifts come also with

10:55when we bought it,

10:56it's not heavy inside.

10:58If that is the case,

10:59we bought it

11:00with a light heart,

11:03that price,

11:04I think that is, for me, meaningful.

11:08So,

11:09let's have a budget

11:10and let's not pressure ourselves

11:15because, as I said,

11:16there are many more opportunities

11:18that we can give them.

11:20Some of them are,

11:21Christmas is just around the corner,

11:23a new year is coming,

11:25instead of giving,

11:27or on birthdays

11:29of our siblings,

11:31friends,

11:32relatives,

11:33we can give them that.

11:36But, if we know that

11:37the belt is tight,

11:38or the kumot is tight

11:40this Christmas,

11:43be generous in other matters.

11:45As I mentioned earlier,

11:47on your time,

11:48be there,

11:49be present,

11:50during the celebration,

11:51be generous with your words,

11:53with your kindness.

11:54Let's make up for

11:56what we will arrange

11:58for the dinner table.

12:00I think people will do appreciate

12:03that not all languages of love

12:06are gift-giving.

12:07Their languages of love are different.

12:11If you can't make it to Christmas,

12:13maybe after Christmas,

12:14as Ms. Isa said,

12:16make a promissory note.

12:18That's also what I will do

12:20for my organization,

12:22the company,

12:23since I'm not able to prepare

12:25personally and also for work.

12:28So, maybe after Christmas,

12:31or holidays,

12:32until the new year.

12:34Are you promising?

12:35Not really,

12:36just as a thank you.

12:37But, it's still possible.

12:38It's still possible.

12:39So, there's still no pressure

12:40for our fellow countrymen.

12:42And, you know,

12:43it's a gift.

12:44You get stressed

12:45because it means

12:46you have something to buy.

12:48Right?

12:49But, if you really don't have anything,

12:51it's okay.

12:52Ms. Isa also said,

12:53the time,

12:55the service,

12:56you will arrange

12:57your dinner table,

12:59your presents.

13:00The effort.

13:01Yes, the effort.

13:02That's really it.

13:03The time.

13:04We can also give.

13:05Ms. Isa, I have a question.

13:07Ms. Isa,

13:08the other day,

13:09when a mother budgets,

13:11she knows how much

13:13she can hold.

13:14Everything is itemized.

13:16So, it doesn't go to waste.

13:18I don't know,

13:19in our generation,

13:21sometimes it's not enough,

13:23sometimes it's too much,

13:24sometimes it's not enough.

13:25So, what's happening?

13:26What's lacking?

13:29It's good.

13:30Maybe, again,

13:31as Ms. Audrey said earlier,

13:34our buying power is higher

13:36than what we have now.

13:37So, we thought

13:38we can spend it all the way.

13:40I think,

13:41the process of listing,

13:43if we don't always

13:44look at our mother,

13:46if we don't always

13:47look at our mother,

13:48sometimes we don't have

13:49the awareness

13:50that this is hard.

13:52We need to save.

13:54And, I think,

13:56that is the case

13:57that we're doing now.

13:59When we grew up,

14:01we didn't get that,

14:02or we didn't adopt

14:03that kind of listing.

14:05And, hopefully,

14:06this time around,

14:07it can be something

14:08that we can do.

14:10Especially,

14:11in our future,

14:12future preparation,

14:16or we need to save.

14:19Good point.

14:20There you go,

14:21KaRsP,

14:22if you don't want to

14:23follow the Christmas rush,

14:24but if you don't have a choice,

14:25use the tips

14:27that Ms. Isa gave us.

14:29Again,

14:30thank you very much,

14:31Ms. Isa Aglino,

14:32for taking the time

14:33for us this morning.

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