- 25
- 122 197
Reflections with Rowena
เข้าร่วมเมื่อ 26 ก.ย. 2024
🌳life reflections
🧠self-development
👩👦 parenting
🧠self-development
👩👦 parenting
Na Adik Sya Sa Online Shopping - the truth behind online shopping addiction - stop wasting money!
Why do we keep buying things we don’t need, only to feel unsatisfied afterward? In this video, we dive into the hidden psychology of consumerism, revealing how brands and social influences trigger our brains to crave, spend, and repeat the cycle. From the dopamine rush of ‘retail therapy’ to the constant pull of social comparison, discover the psychological traps that keep us hooked on consumption - and how to break free for a more intentional, fulfilling life.
---------------------------------------------------------
Makakatulong to sa pagba-budget ninyo: reflectionswithrowena.com/mindful-spending-checklist-download/
Download Budget Spreadsheet: reflectionswithrowena.com/product/simple-budget-spreadsheet/
Join this channel to get access to perks:
th-cam.com/channels/C1bbtAVVpuPAZxlKvEKDOw.htmljoin
---------------------------------------------------------
My website: reflectionswithrowena.com
Gadgets I use: reflectionswithrowena.com/#gadgets
You can reach me at: hello@reflectionswithrowena.com
You can support me by clicking my afiliate links below:
Shopee: shope.ee/7KSUzmpFZ4
CAMERA & MICROPHONE
Sony a7iii camera - amzn.to/3zUTZw0
Sony ZV-1 - amzn.to/3KxTGMr
DJI Pocket 2 - amzn.to/3Uv7fAM
DJI Wireless Microphone - amzn.to/415Ef5b
Rode Compact Microphone - amzn.to/3GE3nHX
TRIPOD
Alta Pro with Grip Head - amzn.to/41oGb8M
Ulanzi Power Bank Tripod - amzn.to/43vTfec
Amazon Lightweight Camera Tripod - amzn.to/3mzKgIf
Manfrotto Mini Tripod - amzn.to/3Uv5bc6
LIGHTING
Godox Continuous Video Light - amzn.to/3KSnMuv
CanadianStudio Photography Umbrella - amzn.to/3UwmcTc
---------------------------------------------------------
DISCLAIMERS
Please note that we are not immigration consultants nor a financial advisor. The information provided by us is for general informational purposes only and should not be construed as legal or financial advice. I recommend that you seek professional advice from a licensed immigration consultant or financial advisor for specific guidance related to your individual circumstances. I do not accept any responsibility for any loss or damage that may arise from reliance on the information provided by me.
Please be advised that some of the links on our videos may be affiliate links, which means that we may earn a commission if you make a purchase through those links. I only promote products and services that I believe are of high quality and value to my viewers. However, I cannot guarantee the accuracy, completeness, or reliability of any information provided by third-party websites that I link to. It is your responsibility to research and verify the information before making any purchase or taking any action based on the information provided. I am not responsible for any loss or damage that may arise from the use of affiliate links or any products or services purchased through those links.
---------------------------------------------------------
Makakatulong to sa pagba-budget ninyo: reflectionswithrowena.com/mindful-spending-checklist-download/
Download Budget Spreadsheet: reflectionswithrowena.com/product/simple-budget-spreadsheet/
Join this channel to get access to perks:
th-cam.com/channels/C1bbtAVVpuPAZxlKvEKDOw.htmljoin
---------------------------------------------------------
My website: reflectionswithrowena.com
Gadgets I use: reflectionswithrowena.com/#gadgets
You can reach me at: hello@reflectionswithrowena.com
You can support me by clicking my afiliate links below:
Shopee: shope.ee/7KSUzmpFZ4
CAMERA & MICROPHONE
Sony a7iii camera - amzn.to/3zUTZw0
Sony ZV-1 - amzn.to/3KxTGMr
DJI Pocket 2 - amzn.to/3Uv7fAM
DJI Wireless Microphone - amzn.to/415Ef5b
Rode Compact Microphone - amzn.to/3GE3nHX
TRIPOD
Alta Pro with Grip Head - amzn.to/41oGb8M
Ulanzi Power Bank Tripod - amzn.to/43vTfec
Amazon Lightweight Camera Tripod - amzn.to/3mzKgIf
Manfrotto Mini Tripod - amzn.to/3Uv5bc6
LIGHTING
Godox Continuous Video Light - amzn.to/3KSnMuv
CanadianStudio Photography Umbrella - amzn.to/3UwmcTc
---------------------------------------------------------
DISCLAIMERS
Please note that we are not immigration consultants nor a financial advisor. The information provided by us is for general informational purposes only and should not be construed as legal or financial advice. I recommend that you seek professional advice from a licensed immigration consultant or financial advisor for specific guidance related to your individual circumstances. I do not accept any responsibility for any loss or damage that may arise from reliance on the information provided by me.
Please be advised that some of the links on our videos may be affiliate links, which means that we may earn a commission if you make a purchase through those links. I only promote products and services that I believe are of high quality and value to my viewers. However, I cannot guarantee the accuracy, completeness, or reliability of any information provided by third-party websites that I link to. It is your responsibility to research and verify the information before making any purchase or taking any action based on the information provided. I am not responsible for any loss or damage that may arise from the use of affiliate links or any products or services purchased through those links.
มุมมอง: 564
วีดีโอ
Kulang Parin Ang Malaking Sahod - walang plano sa buhay kaya broke - break this cycle!
มุมมอง 1.9Kหลายเดือนก่อน
This video explores the reasons why many people are struggling financially, even those with higher incomes. It examines factors such as rising living costs, lifestyle inflation (where spending increases as income rises), and limited financial literacy, all contributing to a “paycheck-to-paycheck” reality for nearly half of high-income earners in Canada. Statistics show that 42% of Canadians ear...
Na-Trap Ka Lang sa Belief na to - biktima mindset - labanan ang ganitong pag-iisip dito sa Canada
มุมมอง 506หลายเดือนก่อน
Templates: reflectionswithrowena.com/shop Free downloads: reflectionswithrowena.com/free-downloads Join this channel to get access to perks: th-cam.com/channels/C1bbtAVVpuPAZxlKvEKDOw.htmljoin My website: reflectionswithrowena.com Gadgets I use: reflectionswithrowena.com/#gadgets You can reach me at: hello@reflectionswithrowena.com You can support me by clicking my afiliate links below: Shopee:...
Trahedya pero Blessing in Disguise pala - kumita kahit nasa bahay lang
มุมมอง 690หลายเดือนก่อน
Hindi lang 9-5 na trabaho ang pwedeng source of income dito sa Canada. My website: reflectionswithrowena.com Gadgets I use: reflectionswithrowena.com/#gadgets You can reach me at: hello@reflectionswithrowena.com You can support me by clicking my afiliate links below: Shopee: shope.ee/7KSUzmpFZ4 CAMERA & MICROPHONE Sony a7iii camera - amzn.to/3zUTZw0 Sony ZV-1 - amzn.to/3KxTGMr DJI Pocket 2 - am...
Gusto Ngayon Na - bili o utang agad dito sa Canada- ano ang ibig sabihin ng delayed gratification
มุมมอง 772หลายเดือนก่อน
Sa mundo ngayon, parang nawawala na ang halaga ng sacrifice para sa mas malalaking bagay. Alamin kung paano nakakaapekto ang delayed gratification sa iyong tagumpay sa buhay. My website: reflectionswithrowena.com Gadgets I use: reflectionswithrowena.com/#gadgets You can reach me at: hello@reflectionswithrowena.com You can support me by clicking my afiliate links below: Shopee: shope.ee/7KSUzmpF...
Watch This kung Naguguluhan Ka sa Tax dito sa Canada - may mga misconception ang mga Pilipino dito
มุมมอง 864หลายเดือนก่อน
Bagong dating ka ba sa Canada? Alamin ang mga tax credits at benefits na pwede mong makuha! Sa video na ito, tatalakayin natin ang mga tax breaks para sa mga bagong dating, kasama ang Canada Child Benefit, Carbon Rebate, at iba pa. Matutunan kung paano mas makakatipid at mas madaling maintindihan ang tax system sa Canada. My website: reflectionswithrowena.com Gadgets I use: reflectionswithrowen...
Mayaman Tingnan ang Bahay dito sa Canada - pero kulang ang pambayad sa bills
มุมมอง 1.9Kหลายเดือนก่อน
Download Home-Buying Checklist: reflectionswithrowena.com/home-buying-checklist 00:04:27 - Definition 01:16 - Market Stats 02:56 - Interest Rate 03:36 - Living in a Golden Cage 04:13 - Financial Strain 04:44 - Consider this 05:18 - Your house owns you 06:35 - Is house an asset? 09:04 - House as a success for Filipinos Other videos you may like to watch: th-cam.com/video/6_41AGtGHRo/w-d-xo.html ...
Maling Akala sa Canada - pero bakit kaya nila nasabi to?
มุมมอง 846หลายเดือนก่อน
Hear my thoughts about sa topic na to kung talagang nang-scam ba ang Canada? My website: reflectionswithrowena.com Gadgets I use: reflectionswithrowena.com/#gadgets You can reach me at: hello@reflectionswithrowena.com
Panghihinayang sa mga Maling Desisyon - alamin kung bakit at paano maiwasan
มุมมอง 7532 หลายเดือนก่อน
Ang panghihinayang ay laging galing sa mga maling desisyon lalo na pagdating sa pera. Budget & Tax Planner 2025: reflectionswithrowena.com/product/2025-budget-tax-planner Simple Budget Spreadsheet: reflectionswithrowena.com/product/simple-budget-spreadsheet 0:32 Immediate Gratification 1:30 Emotional Weight of Regret 3:43 The "What If" Mentality 4:54 Consumer Debt 6:43 Buyer's Remorse 8:29 Stra...
Nakaiwas Kami sa Paycheck to Paycheck na Buhay dito sa Canada - kayo rin kaya gamitin nyo ito
มุมมอง 2.7K2 หลายเดือนก่อน
Makakatulong to sa pagba-budget ninyo: reflectionswithrowena.com/mindful-spending-checklist-download/ Download Budget Spreadsheet: reflectionswithrowena.com/product/simple-budget-spreadsheet/ You can reach me at: reflectionswithrowena@gmail.com
Bakit Di Ka Makuntento - kahit nasayo na ang mga bagay na kailangan mo
มุมมอง 1.4K2 หลายเดือนก่อน
Contentment is a long-term state of being grateful for the things that you currently have. You can reach me at: reflectionswithrowena@gmail.com
Ganito Dapat Gawin Para Maka Ipon at Maka Invest sa Canada - maging frugal sa perang pinagpaguran
มุมมอง 4.1K2 หลายเดือนก่อน
Imagine instead na nawalan ka ng malaking pera, may marami ka ng pera sa investments mo. You can reach me at: reflectionswithrowena@gmail.com
Wag Magpadala sa mga Taong To - how to deal with bullies, haters, or bashers sa buhay nyo
มุมมอง 9892 หลายเดือนก่อน
Kahit saan meron at merong mga tao na ganito. Normal na ma-trigger ka pero alamin kung paano maiwasan at anong dapat gawin. You can reach me at: reflectionswithrowena@gmail.com
Magastos Na Pala, Akala Natin Wala Lang - ano yung tinatawag na lifestyle creep sa canada?
มุมมอง 5K2 หลายเดือนก่อน
May mga expenses tayo na nakakasira sa finances natin na akala natin wala lang. You can reach me at: reflectionswithrowena@gmail.com
Di Namin to Ginagawa sa Canada - dahil we're not feeding our egos
มุมมอง 4.7K2 หลายเดือนก่อน
Your ego will bring you down talaga kapag nagpapadala kayo. Set a goal dahil yun ang tutulong sa inyo para maiwasan ang mga bagay na nakakasira sa inyong buhay.
Bakit Hindi Ako Naging Nurse sa Canada - matagal na daw ako dito (sabi ni marites)
มุมมอง 14K2 หลายเดือนก่อน
Bakit Hindi Ako Naging Nurse sa Canada - matagal na daw ako dito (sabi ni marites)
Buhay ng Isang Pinay sa Canada o Abroad - hindi madali pero kaya
มุมมอง 6512 หลายเดือนก่อน
Buhay ng Isang Pinay sa Canada o Abroad - hindi madali pero kaya
Ganito Ang Nangyari Sa Mga International Students - kaya nagpapanic na sila ngayon
มุมมอง 7K2 หลายเดือนก่อน
Ganito Ang Nangyari Sa Mga International Students - kaya nagpapanic na sila ngayon
Hindi Na Maganda Ang Canada? - kaya maraming umaalis at ayaw ng bumalik
มุมมอง 12K2 หลายเดือนก่อน
Hindi Na Maganda Ang Canada? - kaya maraming umaalis at ayaw ng bumalik
Mga Mali Namin Sa Canada - these will make or break you
มุมมอง 51K2 หลายเดือนก่อน
Mga Mali Namin Sa Canada - these will make or break you
Mahiyain na Vlogger - paano magkaroon ng confidence sa harap ng camera
มุมมอง 1652 หลายเดือนก่อน
Mahiyain na Vlogger - paano magkaroon ng confidence sa harap ng camera
Stay at Home sa Canada, Madali Lang Ba? - confessions, inspiration, reality
มุมมอง 1.2K2 หลายเดือนก่อน
Stay at Home sa Canada, Madali Lang Ba? - confessions, inspiration, reality
Negative Thinking = Negative Life - paano maging positibo sa buhay
มุมมอง 3172 หลายเดือนก่อน
Negative Thinking = Negative Life - paano maging positibo sa buhay
Takot Mag-abroad - here's how to overcome it
มุมมอง 9132 หลายเดือนก่อน
Takot Mag-abroad - here's how to overcome it
Mahirap sa Canada - story of struggles, immaturity, financial hardships
มุมมอง 7K2 หลายเดือนก่อน
Mahirap sa Canada - story of struggles, immaturity, financial hardships
Wag makipagsabayan kung d mo kaya kc mababa on lng sa utang pg nd k marunong magbujet. Nganga ka tlga
Para may maipon sa pinaghirapan na trabaho Income minus savings equals expenses
We have same reasons and your not alone. Stay strong ❤
Hello mam, lagi ako nag aabang ng videos po, thank you sa mga advice Dami ko natutunan about sa pang pinansyal. 😊
Ma share ko lang ang panahon na akoy nasa Europe UK,France,Spain. Isang manga gawa na minsan ay kumita nang malaki at namuhay na sağana sa loob nang humigit na 25-years bago ako tuluyan nang mag retirement dito sa Pilipinas.Masarap mamuhay dito sa pinas kapag may pera kang naipon mula diyan sa abroad.Ang pag ipon nang pera ay depende sayo na kumikita ka tandaan ninyo na ang pag kita nang pera ay may panahon lang kita in kaya habang kumikita ipon nang ipon
Napakahalaga po na na i share mo yun ganyan na experience Mam...so that other Pilipinos there in Canada will learn about How is the importance of Living every.kung paano pahalagahan yun kinikita nila kung ano ang purpose nila bakit cla jan namuhay.salute you Mam😊 God Bless.not only there in Canada also to all Country na mataas ang Cost of Living.
nako agree talaga ako nyang consumerism, guilty din ako, pro I try to limit na these days, para hopefully ma stop na din.l
Mali. Wag mong convert sa piso ang kita mo sa Canada. Pag nag give up sa Canada at bumalik ka sa pilipinas, Ikaw ang may problema. It all depends on you your failure & success
Just to add on what you stated when getting an increase on salary, if the previous budget works dont change it, you can bump up your wants to 35% or even 40% just make sure that whatever is the excess is put it to savings/investment. having a new budget will have a difficult transition and will make you spend more.
Pag wala ka, sabihij mo talagang wala kasi nkabigay ka nga inutang mo lng..ikaw din kawawa magbayad..
I hope many OFW's can watch your videos.
Ipon is the key talaga hindi puro luxury kc mababaon talaga sa utang.Thank u for sharing po
Thank u for sharing sissy its really helpful po talaga.At totoo talaga dapat alamain ang dapat alamin.
Hi....i like how you speak and the infos you share... Btw, unsa imung handmade shop?❤
Tama po ang payo nyo maam, nararanasan ko na nga pro huli ko na napanood tong vdeo nyo 😅… well,tingin ko na 1-3yrs is mahirap tlga pra sa new commers dhil ngsisimula at wlang guide. Pro matututo nlng kpag nlampasan na 😊
Totoo yung lifestyle creep dahil 'I feel like I deserve to spend more when I earn more'. Di na namalayan halos pareho lang yung natitira whether malaki or maliit ang income.
Taga Canada Pl C maam madami n cguro umahon s hirap n kabayan sa canada
I agree with you kabayan ..kahit dito sa Europe mas gusto nila ang mga pinoy kc masisipag tayo , malinis at very hardworking ❤..keep uploading videos like this kavayan ...
❤❤❤❤❤
i do agree mam...financial education..money management is so important
I'm enjoying watching your video's kabayan..it's educational about financial & realtalk lalo na sa ating mga pinoy ..god bless
Thank you! 😊
I am not broke for $245k/year. Applicable yan kahit saan bansa.
Kailangan talaga ang financial education pero maraming mga pinoy ang hindi interesado sa topic na ito.
this is actually what I am experiencing at work, canadian colleagues are hating me so much because of jealousy and insecurity. They noticed that the way how I’m working is different from the way they work. I’ve already been in this industry for 6 years with correct standards while they are working here in Canada is out of standards and they are trying to copy what I am doing. 😂😂😂
Thank you for sharing at reminder to lalo bago ako magiging OFW hindi man sa canda pero applicable talaga to. God bless maam
Thank you, just like you. I have family of 3 too..we live decently but I am also trying to get my mom and sister dito to join us, mahirap pala, my bro is here na pero to shoulder everyone is really tough... may extended family Karin ba dito sis?.. di nmn ako maluho pero minsan gusto ko tlgng mag travel and pamper ng self pero sometimes parang selfish n tingin ko sa self ko kapag pag dating n sa sarili ko.. kapit lng tau,dasal palagi and dpt pala dito positive Outlook din,Tamang galing at hardworking and Tamang pili ng friends.. tnx sis.
Ate, saan ka nag attend ng course para sa taxation
Sa H&R Block. Online lang.
As for me balance lang I invest sa pag save at the same time sa travel kasi ayoko ma achieve ung goal ko na travel pag retired nko mahirap magtravel pag matanda na ung iba nka wheelchair na naglalakad inde na maeenjoy so for me kung kaya ko ibalance why not.
That's good po. Leisure is good as long as yung future is taken care of.
Salamat dto medyo natetempt aq mgbuy ung sa pop mart buti nawatch ko to😂
☺️☺️
Your husband is very lucky to have you.👌
Sana mag collab kayo ni sir @fredz TV
Pareho tayo ng situation dati, ngayon empty nester na kami dahil nasa EU na daughter namin for university. Noong nasa Pinas kami, I resigned para matutukan ko mag-alaga and tutor sa anak namin. Nagpunta kami dito sa UAE when she was 10. Hindi rin ako nagwork kasi di namin kaya na wala siyang madatnan from school. Katulad mo rin na I try whatever I can na maka-contibute sa finances by doing some online business. No regrets at all, kasi na-guide namin siya ng maayos--nakapasok to a good university and she's doing well being independent.
Successful talaga ang pagiging home nanay pag nakikita natin na maayos yung anak natin. Di bali na walang limpak² na pera.
Hi, Rowena. I'm a stay-at-home mom like you dito naman sa UAE. Wala din akong barkada or social life dito, and I'm enjoying it. Sabi ko nga sa husband ko na ang tahimik ng buhay ko dito. Typical na ugali ng pinoy na feasting about others' lives, or worst misfortunes ng iba--napakababaw at nakakainis lang makinig.
Hello! Mas maigi walang ka chismisan kasi may peace of mind tayo. 😊
It's all about the mindset. It's what separates the rich and the poor. Building wealth through delayed gratification involves consistently saving and investing a portion of your income, sticking to a budget, and focusing on long-term goals over short-term pleasures. Avoid lifestyle inflation by living below your means and delaying major purchases. Invest in yourself by gaining skills and taking care of your health, which can increase earning potential and reduce future costs. Reinvest returns to let your money compound and grow. Regularly set and review financial milestones to stay motivated. By developing habits that prioritize future rewards, you set yourself up for financial independence and lasting wealth over time.
Great input! Thank you so much for this!
Same haha 4years na ako dto sa US wala akong friends bestfriend ko mga anak ko😊, meron akong kapit bahay tinuturing kong ate pero malaman laman ko mas marami pa syang alam na tsismis sa trabaho ko😂😅
🥰🥰🥰
I really like this YT channel. Eto dapat un pinanood ng mga kababayan natn sa Canada esp un mga new immigrants dyan. May sense and d kagaya ng ibang vloggers na puro daily vlogs, puro kalokohan lang, and nakikisakay lang sa mga issue and news sa Canada. Oh well madami kasi sa atin gusto lang entertainment kaysa manuod g mga informative videos kagaya nito
Thank you so much, po. I appreciate this a lot! 🥰
Follow KISS method.. kahit anu gawin nyo mag save ng pera never invest with RSPs etc.. they find away to make u pay..or obligate to keep paying tax..
I felt proud I paid my two months bills here in canada and went to Philippines from the savings.not from credit card.cause of my goal 11 years ago na i want to live by my means not through utang.
Your videos are so helpful.for the ones that open to it.
Maraming salamat po. 💖
We bought my used car 9 years ago paid for $2000.found a mechanic friend and now I’m paying mostly on few repairs and $160/month on insurance. So do the math $2000 /9 years.
Oh sorry the gas.thats another trick. Fuel more when you get it cheaper in another city close by.🙏
Super sulit! 👌
Great point about the credit card.
Bakit 700 Ang cp po.
I mean I lived with only cheap phone for 1st 5years dito so both kami is at that’s time $50/month.ngayon both $100-$160/month freedom mobile pero ako iPhone na siya tiklop2x pa rin.so kaya ako nagtaka.
Lahat na po ng utilities yung $700. Ang phone namin ay nasa $160 for both na.
@@BiancaOnabisreplay the video sis. 700 for the utilities and phone bills
@ yes I got the answer from the author.Thank you.
Hi Kabayan. New subscriber po. Pwede po kayo gumawa ng step by step guide to apply for CCB? Salamat po.
I will try this po. Hopefully, I can find a way to show the form legibly thru video. 😬
New subscriber here. Can you try to have a content about calculating tax
True. I don’t need a big house. I would rather spend money on travelling instead of paying house mortgage.
dto sa paris bahay ko 580 € sagot ng gov. ang 305 € per month médecin hosp.lahat gastos ng gov.
ang galing nyo pong mag explain ng taxes. 🎉🎉🎉
Thank you, Cindy! 🥰
Same I only add to cart pero diko naman binibili haha
☺️☺️☺️
Never,Kasi pinapriority ko po ung bills then needs before wants...simpleng tao lives a simple life....ukay lang mga damit ko Kasi pampaimpress lang nmn ung mga mmahaling things....
We all make mistakes, but not everyone is like you who has the guts to admit your mistakes to help people. You inspire people, God bless you!
Thank you, Kairrah. God bless you, too.
Not true...
Which part? Can you elaborate?