00:00Ito na nga start na ng holiday season dahil bare months na.
00:02Pero kasabay po ng mga gift giving, yung mga reunion,
00:06dumadagdag din po talaga yung mga gastusin.
00:09No, pari ka John Diana.
00:10Kaya kung feel nyo medyo na nagpasan na ang budget,
00:13baka panahon na para mag financial reset.
00:15Pero paano nga ba ito ginagawa?
00:17Upang alamin po yung mga practical tips para maibalik po sa ayos ang ating finances,
00:23mukha kasama natin ngayon ang guest financial advisor na si Geraldine Fernandez,
00:27also known as Modern Bread Winner.
00:29Good morning, Geraldine.
00:30Welcome to Rise and Shine, Pilipinas.
00:32Good morning, Diane and Prof. Fifi.
00:34The Modern Bread Winner.
00:35Modern Bread Winner.
00:36Di ba pag bread winner, ikaw yung sumasalurin ng mga expenses mo.
00:40Kaya, paano yan?
00:41Sasalurin mo pa yung sarili mong expenses.
00:43Pero ito, financial reset tayo.
00:45Ano bang ibig sabihin ito, Geraldine?
00:47Financial reset is parang giving your finances a second chance,
00:52removing yung mga obstacle like utang,
00:56lalo na holidays are coming,
00:58so for sure may mga bonus,
01:00the big month.
01:01Parang pag-ibig, second chance.
01:03Oo.
01:03Kasi minsan feeling nga naman atin,
01:04ako, lugmok na naman ako sa mga gastos.
01:07Eh, kakagali natin ng ghost month.
01:09Ay, oo.
01:09Di ba?
01:10Tapos biglang ipo na naman for September,
01:12for the very months.
01:13Eh, kasi di ba sinasabi nila,
01:15September daw,
01:16ang mas okay na time
01:18para magkaroon ng financial reset.
01:20Is that true?
01:22Misconception ba ito?
01:23Or if it's true,
01:24what's the reason behind this?
01:26For me,
01:27wala namang perfect time.
01:30The perfect time is actually now.
01:32The moment that you decide
01:34to do financial reset
01:36is when you change your mindset,
01:38habit, and lifestyle.
01:39It's really an intentional decision.
01:42Oo.
01:42Parang pag-iexercise lang din nyo.
01:44Oo.
01:45Wala nam perfect time.
01:45Kailangan now na.
01:47Kailangan healthy rin kasi
01:48ating back accounts.
01:49Yes.
01:50Pero, paano ba ito?
01:51Kasi isa rin sa mga problema natin,
01:53overspending naman talaga.
01:54Yan.
01:55Beauty naman ang marami dyan.
01:56Paano ba ito na mamanage, Geraldine?
01:58Okay.
01:59Kasi there's two mindsets
02:00when you receive a big amount of money.
02:03Either,
02:04ngayon lang ito,
02:05so,
02:06you only live once.
02:07YOLO, di ba?
02:08So, spend.
02:08Or, yung second mindset is,
02:11ngayon lang ito,
02:11so, chance ko nang mabago yung finances ko.
02:14Bayaran ko lahat ng utang ko.
02:16So, dalawang choice lang siya.
02:18So, anong choice ang pipiliin mo?
02:20Magbayad ng utang o gumastos?
02:22Choose to be happy.
02:24Gusto ko.
02:24Di ba?
02:25Paano yun?
02:26Saka magiging happy sa dalawa?
02:27Kasi sakit nyo sa ulang may utang.
02:28Gumastos o kaya i-delay gratification mo.
02:31Bahala ka sa buhay mo.
02:32Ay, okay ba yun, Geraldine?
02:34Oo.
02:35May delayed gratification,
02:36yung doon natawag sila eh.
02:37Di ba?
02:38Pero, of course,
02:40hindi natin may iwasan,
02:41mag-overspend tayo for holidays.
02:43Paano mga kabawi?
02:45Basta,
02:46actually,
02:47before the holidays even come,
02:49kasi yung iba ang ginagawa,
02:50yung 13th month,
02:51ayun na agad pang holidays.
02:53Pero for me,
02:54I advise my clients na,
02:56January pa lang,
02:57mag-unti-unting in-back na siya.
02:59Kasi, alam mo,
03:00hindi naman emergency ang holiday.
03:02You know it's coming.
03:03So, why not prepare for it beforehand?
03:05January pa lang,
03:06mag-ipo na.
03:07Actually,
03:08kasi January,
03:09pecha de peligro everyday.
03:10Yes.
03:11Kasi, di ba,
03:11kakatapos na ng holidays.
03:13Ang dami mong ginasa sa mga binigang regalo.
03:16Tapos, January,
03:17nasa na mga rocket!
03:18Nasa na!
03:19Kakatapos lang.
03:21Pero yun pala,
03:21dapat January pa lang,
03:22nagtatabi ka ng mga magkano?
03:24Actually,
03:25depende naman siya.
03:26Kasi may iba,
03:27they don't really mind spending on holidays.
03:31Talagang intimate lang.
03:32Ganyan.
03:32Yung iba,
03:33ang love language is giving.
03:35So,
03:36nasa,
03:37it's really,
03:37personal finance is personal.
03:40So,
03:41dapat ma-figure out mo siya on your own.
03:44Kung,
03:44ano ba yung mas nag-work sa'yo?
03:46Kung giver ka ba,
03:48then,
03:48magkano yung nasa spend mo during the holidays,
03:51i-divide mo na into 12,
03:52or kunwari,
03:53gusto mo,
03:54June ka mag-start ng saving,
03:57pwede din.
03:58Depende.
03:59E paano pag-receiver ka mo?
04:01Receiver?
04:02Giver ako eh.
04:03A giver ka,
04:03so much tayo.
04:05Yes,
04:05ganun tayo.
04:06Kaya kailangan mag-ipon talaga tayo.
04:07Pero paano pa nata sa giver,
04:10sige,
04:10bahala na,
04:11basta nagbibigay ka.
04:12Paano mo masasabi na,
04:13this is already enough?
04:15Magkano dapat yung ilabas natin na pera
04:17para sa at-regalo,
04:19expenses.
04:21Okay.
04:21Ang masasabi ko dyan is,
04:23do not spend the money that you don't have.
04:26Kasi ang nangyayari,
04:27ang tingin sa,
04:28kanyari credit limit,
04:30ng credit cards,
04:31or dahil may mga online lending apps na ngayon,
04:33they see it as extra money.
04:35So once na,
04:37parang,
04:38porkat,
04:38ay,
04:38meron pa naman akong credit limit,
04:39that's already out of the budget.
04:41Kung walang babanggang cash doon sa,
04:44isuspend mo,
04:45ikakaskas mo,
04:46or ilo-loan mo,
04:47then that's already overspending.
04:50May dahilan ba't ako na sa interview na ito?
04:52Kung kailangan mo mag-ipon.
04:53Oo,
04:54kailangan mo mag-ipon.
04:55At saka yung mga pagkaskas ng credit card.
04:57Pero ito,
04:58ano bang simple at realistic na paraan
05:00para makagawa ng bagong budget,
05:03lalo na kung may mga,
05:04syempre mga utang o bayaring,
05:05kailangan mo natin.
05:07Okay,
05:07so the simplest formula kasi is,
05:10income minus your monthly expenses,
05:13and then the excess,
05:14yun lang yung pambayad ng utang,
05:16or yun yung pang mga wants natin.
05:19Kasi ang usual formula,
05:21di ba kunwari,
05:21once na nagka-utang tayo,
05:23income minus utang,
05:24masya short sa bills.
05:25So ang gagawin doon,
05:27uutang,
05:27para ma-fill in yung shortage doon sa bills.
05:31So,
05:31baliktad pala,
05:32dapat income minus expenses muna.
05:35Since you saw utang as extra money,
05:38dapat extra money lang din yung pambayad doon.
05:41Okay,
05:41hindi ba ang hirap niyang i-apply
05:43para sa isang minimum wage earner?
05:46Exactly.
05:47Okay,
05:48so kailangan makahanap ng extra job talaga?
05:51Yes,
05:51extra income talaga.
05:53Kasi sa mood,
05:54kahit minimum wage earner ka,
05:55makakaipon ka pa rin,
05:56parang it's impossible.
05:57Depend.
05:58Sa mga langgas na yun,
05:59di ba?
06:00Di ba?
06:01Depende talaga siya.
06:03Kasi yung iba namang minimum wage earner,
06:05sa kanila lang yung pera nila.
06:06So that's very easy.
06:08Kunwari,
06:08trans po lang,
06:09food nila,
06:10makakagala pa sila,
06:11makasave.
06:12Pero for a breadwinner,
06:14hindi siya mag-work.
06:16So you need to really find side.
06:18Kasi naalala ko yun eh,
06:19income versus expenses.
06:20Tapos syempre,
06:21you have your family.
06:22Tapos,
06:23income mo,
06:24ganito lang kalit.
06:25Sa example,
06:26dati,
06:26nagkatrabaho ka pa nung medyo malit pa yung sa mood mo.
06:29Sabi ko,
06:30paano kumakaipon dito?
06:31Eh,
06:32negative yung sagot.
06:32Negative yung sagot.
06:33Paano na yan?
06:34So wala.
06:35Nagtrabaho para magka-utang.
06:37Ay,
06:37yun ako,
06:38tapos magkakasakit pa.
06:39Ang sakit sa ulo.
06:41Pero kailangan talaga natin nga
06:42na mga side hustle.
06:43Mga side hustle
06:44nasa magbibigay ng extra income sa atin.
06:47Pero ito,
06:48dun sa ating mga kanonood ngayon,
06:51na just want to restart their finances now.
06:53Ano yung three practical tips
06:55na pwede nilang gawin now na now na?
06:57Okay,
06:57now na is to stop getting utang.
07:01Stop na yung cycle.
07:03Lalo na yung mga nagtatapal utang.
07:04Paying debt with another debt.
07:06Stop na agad.
07:08Tapos,
07:09make sure to review yung expenses.
07:12Baka pwedeng mag-cost cut
07:13or kung mahal yung renta mo,
07:15find a cheaper place.
07:17Tapos,
07:17baka mas close ka pa sa work.
07:19Kapag ano,
07:20hindi mo na kailangan
07:21mag-shell out ng pamasahe.
07:22Yung mga ganon.
07:24So,
07:24stop using debt as extra money.
07:27Tapos,
07:28review your finances.
07:30Ayan.
07:31Tapos,
07:32learn to say no.
07:33Ayun talaga.
07:34No saan?
07:35Sa mga budol
07:36or yung mga gala.
07:38Kasi ang bilis parang,
07:39hala,
07:39mafo-fomo
07:40or fear of missing out.
07:42So,
07:42yun,
07:42dun palang,
07:43dun din,
07:44if feel mo,
07:45ay,
07:45wala to sa budget,
07:46learn to say no.
07:48Ayan.
07:48Lalo na nga yun,
07:49syempre,
07:50mayaya mo lang.
07:51Uy,
07:51tara,
07:52kain tayo dito sa labas.
07:53Eh,
07:53mga simple kain sa labas,
07:54hindi lang yung pambayas sa restaurant,
07:55may pamasahe pa.
07:57Yes.
07:58Tapos,
07:58baka meron pa kayong ibang daanan.
08:00Ako,
08:00gastos na naman.
08:01Yung pag-asama ko si Dain Pamandit,
08:02puro palibre.
08:03Ay,
08:04ganun talaga.
08:05Ako bilang receiver ako.
08:07Hindi,
08:08pero,
08:08natuha ko kanina kasi,
08:10modern breadwinner siya.
08:11Ano bang diff nito
08:13pagiging traditional
08:14at unconventional breadwinner?
08:16Okay.
08:17So,
08:18ang traditional breadwinner
08:19kasi nakasanayan natin
08:20is talagang uutang
08:22just to say
08:23nakapag-provide.
08:24Okay.
08:25And,
08:26yung modern naman
08:27is
08:27being able to give
08:29without sacrificing
08:31your own future.
08:32Kasi kundi,
08:33uulit yung cycle na yun,
08:35lalo na kung may plans sila
08:36magkaroon ng anak,
08:37mapapasa mo yung same cycle
08:39na,
08:40ay,
08:40sorry anak,
08:41ikaw yung retirement.
08:42Oh,
08:42ilan yung pinapa-aral ka pa ba?
08:44Um,
08:45right now,
08:45I support my mother
08:47and my brother.
08:49Ayun.
08:49Pero,
08:49in order to set boundaries,
08:51kailangan mo i-communicate
08:52sa family members
08:54na makakatulong sa'yo,
08:55yung usual kasi
08:56na clients
08:56na nakakausap ko
08:57and asking for advice
08:58is,
08:59napansin ko,
09:00wala naman talagang
09:01nagsabi na
09:02ikaw na lahat,
09:03inako lang talaga nila
09:05the responsibility.
09:07They,
09:07they'd rather
09:08own
09:09the responsibility
09:10than communicate
09:11or seek help.
09:13Ayun.
09:14Will social media accounts mo
09:15para mapollow namin
09:16yung account mo
09:17about finances?
09:18ayun.
09:18So,
09:18follow me on
09:19Modern Breadwinner
09:20on all social media accounts
09:23tapos,
09:24can I mention
09:25yung mga
09:26platform?
09:27So,
09:27sa Instagram
09:28and threads,
09:29it's
09:29dini.modernbreadwinner.
09:31Paano po?
09:32Dini.
09:33Dini.
09:33Okay.
09:34Dini.
09:34Pero nalabasin niyo.
09:35Dancer ka rin pala,
09:36no?
09:36Ayun.
09:37Dini.
09:37Iba yun.
09:38Bini pala yun.
09:39Iba yun.
09:40Well,
09:41thank you so much,
09:41Geraldine.
09:42Thank you,
09:42Diane.
09:43At syempre,
09:43gusto natin itong
09:44holiday season
09:45masaya.
09:46Oo.
09:46Pero hindi naman
09:47butas ang bulsa.
09:49Ayun.
09:50Maraming salamat
09:51sa pagbibiging
09:51and tips
09:52para syempre
09:52tayo ay
09:53maging ready
09:54para sa ating
09:55darating na holiday
09:58ganap.
09:58Di ba?
09:59Thank you very much,
10:00Thank you so much.
10:01Bye.
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