Vince Rapisura 2448: Minimum wage earner ako. Paano mag-ipon?
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00:00.0
The magic of savings is in the habit, hindi sa amount.
00:04.0
Magsimula ka kahit magkano, then aim to increase that gradually.
00:08.8
So pag minimum wage earner lang, paano daw ba sisimulan ang pag-i-equal?
00:15.6
So savings for minimum wage earner, ang pinakamaganda dito talaga
00:20.0
is mag-aim tayo na mag-save ng 10% of our income to build your emergency savings.
00:26.2
So yan yung unang-unang mong gagawin.
00:28.8
Sir Vince, yung minimum wage earner, 11,000, 12,000.
00:32.0
So mga 1, 2 every month, emergency.
00:35.4
So kung i-divide natin yan per week, the 4 weeks in a month, 300 pesos.
00:40.2
O i-divide mo na yan yung 300 pesos by 5 days.
00:44.4
So 60 pesos every day ang i-gogol mo.
00:48.2
So nakita niyo yung ginawa natin?
00:49.6
Binibreak down natin yung isang malaking goal into small bite-size pieces
00:54.6
para mas madaling natin syang magagawa.
00:57.0
Remember, it's not in the amount, it's in the habit, yung pag-trade natin ng savings.
01:04.6
Kahit ang sabi ko kanina, kahit 20 pesos a day lang muna.
01:07.6
Basta confident, consistent ka, at magagawa mo ito regularly.
01:15.8
And then, magbukas din tayo ng separate bank account
01:18.8
para sa emergency savings natin.
01:22.0
So yung savings account natin, for emergency, dapat nakaseparate yan.
01:27.0
So ano yung main account mo?
01:28.0
Usually, yan yung payroll account mo kung saan hindi mong pasok yung regular na income mo.
01:32.0
At yun, i-channel mo ngayon sa iba't ibang savings account.
01:36.6
So mag-separate ka, mag-open ka ng panibago ang savings account,
01:39.6
emergency fund account yun, para hindi mo siya basta-basta nagagalaw.
01:45.0
Tapos ang gagawin mo, mag-sell ka na ng automatic transfer in specific dates
01:49.6
para automatic ang savings.
01:52.2
Hindi ka na nagdadalawang-isip at hindi ka na nas-stress-stress pa.
01:57.2
Parang hindi magandang ang iniisip mo parati na mag-save back mo o hindi.
02:01.2
Mag-save back mo o hindi.
02:03.2
That decision should have already been made.
02:06.2
O automatic na yun.
02:08.2
At huwag mo na nilalagay ka sarili mo sa temptation na hindi ka mag-save.
02:11.2
So ang first step para makapag-retire ang mga Gen Z
02:14.8
ay dapat magsimulang mag-ipon at mag-invest kahit magkano.
02:22.8
Kasi sabi nga natin, time is gold.
02:26.8
Yan talaga na sabi bagay na hindi mo mababawi.
02:31.8
At kaya kailangan natin niyang bigyan ng magpapahalaga
02:35.8
and we have to conserve and make the most out of our time.
02:42.4
So now na yan, kahit magkano.
02:44.4
So start saving now any amount for your retirement.
02:48.4
Ang magic ko kasi ito is in the habit, not in the amount.
02:54.4
So regardless of how much you are able to save now,
02:57.4
ay 20-20 pa yan sir, pwede naman na magsimula ka na.
03:02.4
And every peso saved is a step closer to a worry-free retirement.
03:08.4
Handa ka na bang lumevel up sa savings mo?
03:11.4
Join the SEDPICA Sosyo Community and get started to be a social investor today!
03:16.4
Step 1. Umatend ng Self-Based Online Pre-Membership Education Seminar.
03:21.4
Mag-sign up sa bit.ly slash SEDPICO or PMES now na!
03:26.4
Step 2. I-deposit ang iyong Initial Share Capital,
03:30.4
Membership Fee, at Joint Venture Savings sa Gcash,
03:33.4
BDO Online Banking, BPI Online Banking,
03:36.4
Maya, EasyPay, or Direct Bank Deposit.
03:39.4
Daming options, di ba?
03:41.4
Sundi ng simple instructions sa bit.ly slash SEDPIPAY para makapagsimula.
03:46.4
Step 3. Mag-login sa iyong SEDPISRI online account at ipaalam ang inyong deposit.
03:53.4
Go to bit.ly slash SEDPIONLINESRI at kami na ang bahala sa iyo.
03:59.4
Ano bang inihintay mo?
04:00.4
Sali na sa SEDPICA Sosyo ngayon and let's start building a brighter financial future together!
