Utang o Emergency Fund? Alin Ang Mas Pipiliin Mo? | Chinkee Tan

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  • เผยแพร่เมื่อ 12 ม.ค. 2025

ความคิดเห็น • 111

  • @aldenjamesrichard6727
    @aldenjamesrichard6727 9 หลายเดือนก่อน +1

    Clear😊

  • @sheilometante303
    @sheilometante303 ปีที่แล้ว +2

    Agree po, doon na po ako galing. Grabe ang sakit pala ng ulo.Hindi pa ako nakalabas sa utang, paunti unting bayad lang kasi ako. Mabuti na lang may Sir Chinkee Tan. Dagdag info. Thank you Sir.

  • @marsplanet6734
    @marsplanet6734 ปีที่แล้ว +4

    Thank you sir Chinkee!!! Kaya ko pang humabol, hndi pa huli ang lahat. :) Godbless sir!

  • @edrelyndavid1295
    @edrelyndavid1295 ปีที่แล้ว +1

    ❤❤❤...clear po subrang subrang grabe ang pasok sa puso ko ng mga sinasabi nyo po

  • @arvintroymadronio7298
    @arvintroymadronio7298 ปีที่แล้ว +1

    Emergency funds also preserve relationships built throughout the years, work productivity and maintain a healthy work-life balance. It is easy and comfortable to make better decisions in life if you have sufficient amount of emergency funds. Real talk, wala ka magiging kaaway o hindi ka magiging "toxic" sa grupo o office kung "hindi mo sila uutangan o hihingan mo ng tulong". Hindi na lumalala pa ang simpleng problema at mas madali ka rin makakamove-on after a tragedy or emergency. Mahirap naman iyong magkakasira kayo as friends, officemates, relatives kahit sa mag-jowa, hindi na magawang magkita sa isa't isa di gaya ng dati, nang dahil lang sa utang na hindi mo pa nababayaran.
    Hindi lang "basic needs" ang pinagkakagastusan natin sa araw-araw. Mayroon pang mga utility bills at installment payments na posibleng maremata at maputulan kung hindi ito mababayaran on time. Sa madaling salita, ang obligasyon ay patong-patong na once maputol ang source of income.
    Ang "financial stress" level ay nasusukat din sa kung gaano ka karesponsible sa paghawak ng iyong kaperahan. Walang ibang siguradong makakatulong sa problema mo sa pera, maliban sa iyong sarili. Iwasan ang luho at gusto hangga't hindi napupuno ang iyong emergency fund. Kapag naka-focus ka lang sa "most important needs" at iiwasan ang "unnecessary expenses" every now and then, mas madali nang mag-file ng early retirement, umuwi sa Pilipinas for good, o makakalipat ng trabaho (if necessary), sapagkat alam mong may tiyak na pagkukuhanan ka ng pondo na hindi ka aasa sa iba.
    Ang taong nagipit, kapag nangutang ay lalong nagigipit. Bakit? Ang utang ay hindi libre, bukod sa kailangan mong ibalik ang perang nahiram, babayaran mo pa pati interest nito. Samantala, ang taong nag-ipon at nagpalago ay may tiyak na madudukot. Ang hirap kaya kumilos kapag walang sapat na pera. May maririnig kang hindi magandang salita mula sa taong inutangan o hiningan nila ng tulong, relate diyan ang mga breadwinner. Sasabihin kapag nangutang, toxic ka. Cancel culture. Kaya iiwas na lang sa kanila kaysa sila naman ang mamroblema sa paniningil.

    • @jenelynrojas
      @jenelynrojas ปีที่แล้ว

      hello, thank you for sharing this. Dami ko na learn! ❤

  • @introvert2891
    @introvert2891 ปีที่แล้ว +1

    College friend ko dati pinepressure at inaaway ko na ngayon, ayaw magbayad eh. Marunong mangutang hindi marunong magbayad. Nai-stress ako, grabe. Pero mas naistress sya ng sobra sa akin. Ano yon, ako lang. 😂😂

  • @beemary5142
    @beemary5142 ปีที่แล้ว +1

    5 years paying my car loan sbrng nakakastress wala akong naipon 😢 but finally matatapos na sa july it’s time nman mag ipon ❤

  • @maem911
    @maem911 ปีที่แล้ว +2

    Dami kong realization at learnings s mga videos mo po sir Chinkee. Kaya bumili ako nang mga books mo. Wag po kayo magsawang ulit ulitin ang “EMERGENCY FUNDS” 😂

    • @chinkpositive
      @chinkpositive  ปีที่แล้ว

      Yes naman Mae

    • @arvintroymadronio7298
      @arvintroymadronio7298 ปีที่แล้ว

      Emergency funds not only saves you money and properties, but your relationships and overall health.(Whether emotional, physical, mental and even spiritual) as you can use them to help someone in need even you lose jobs for a while. It is comfortable to make financial decisions if you have enough money to spare.
      Sabi nga, mas masarap at payapa ang buhay kapag hindi ka humihingi ng tulong na may kinalaman sa pera. Maraming kamag anak, magkakaibigan ang nagkakaroon ng lamat sa relasyon nang dahil sa pera. Utang na hindi nabayaran, nanghiram subalit hindi sinauli. Sa huli, sarili mo lang ang iyong kakampi kapag gipit ka na. Kapag sa sarap, nandyan sila. Pero kapag sa hirap na, wala na ang mga iyan.

  • @NoirGab
    @NoirGab ปีที่แล้ว

    Thanks Chinkee. Na-inspire mo ako to be iponaryo.

  • @nanetted1621
    @nanetted1621 ปีที่แล้ว

    Ako Sir Chinkee, i trymy best may maitabi ako na 100 euro every month.

  • @abullamban1704
    @abullamban1704 ปีที่แล้ว

    Salamat idol chinkee sa pag share Ng video marami Po akong natutonan hindi pa Po huli Ang lahat God bless you all the time.

  • @russelindita3835
    @russelindita3835 ปีที่แล้ว

    Clear idol
    God bless po and Jesus loves you and all 🙏🏻

  • @andreaisoreta6725
    @andreaisoreta6725 ปีที่แล้ว

    Thanks po..wlaa akong emergency fund.kya nbaon ako s utang

  • @angelica_mannielet
    @angelica_mannielet ปีที่แล้ว

    Clear po sa akin

  • @reyjeapauya8569
    @reyjeapauya8569 ปีที่แล้ว

    Shout po sir Chinkee from Bicol,, Idol na idol ko po kayo hehe

  • @leaperez6231
    @leaperez6231 ปีที่แล้ว

    Maraming salamat po Sir Chinkee,marami akong natutunan sayo.ingat po lagi and God bless po🙏

  • @renelitalacson9906
    @renelitalacson9906 ปีที่แล้ว

    Thank you sir,first time mapanood ang galing ..tamang tama..😊

  • @kurtangmusikero5194
    @kurtangmusikero5194 2 หลายเดือนก่อน

    Tnx idol

  • @msx.mhaldita2413
    @msx.mhaldita2413 ปีที่แล้ว

    CLEAR

  • @matetaparente7919
    @matetaparente7919 ปีที่แล้ว

    pa review naman po yung bagong tintayo condo gayon sa monumento victoria sport tower monumnet sir chinkee. sana po mapansin nyo po

  • @JennyNuccup-g4z
    @JennyNuccup-g4z ปีที่แล้ว

    I agree Mr chinkee ❤

  • @lhanzlazaro5258
    @lhanzlazaro5258 ปีที่แล้ว +1

    Thank you Sir Chinkee. Sayo ako natutong mag ipon at maging matipid🤗

  • @rhealibreta7580
    @rhealibreta7580 ปีที่แล้ว

    Salamat sa tips Sir Chinkee

  • @florendateodoro3689
    @florendateodoro3689 ปีที่แล้ว

    Agree sir, God bless you always and your family and teams

  • @msx.mhaldita2413
    @msx.mhaldita2413 ปีที่แล้ว

    AGREE sir chinkee

  • @Johntupztv
    @Johntupztv ปีที่แล้ว

    thank you Sir.

  • @dingdongdantes1872
    @dingdongdantes1872 ปีที่แล้ว

    shout out sir chinkee tan
    im marra sio from sta cruz manila im always inspire po sainyo pagdating sa financial po ty po my mentor since lockdown❤❤❤❤

  • @Mr.Hobbyist1315
    @Mr.Hobbyist1315 ปีที่แล้ว

    MAYA savings

  • @ranniebase1634
    @ranniebase1634 ปีที่แล้ว

    Salamat idol..god bless

  • @rosamariatamayo8452
    @rosamariatamayo8452 ปีที่แล้ว

    Thank you

  • @angeliebautista6210
    @angeliebautista6210 ปีที่แล้ว

    Watching always from kuwait

  • @MHARJHO_TV
    @MHARJHO_TV ปีที่แล้ว

    Clear💚

  • @MichaelPolinio-hn7yz
    @MichaelPolinio-hn7yz ปีที่แล้ว

    Knowledgeable ... Content❤❤❤ thanks ...

  • @DarylCagnanTano
    @DarylCagnanTano ปีที่แล้ว

    Clear 😅

  • @iansanguines1656
    @iansanguines1656 ปีที่แล้ว

    Grabe sir chinkee,I learned a lot❤

  • @simplicitygirl8418
    @simplicitygirl8418 ปีที่แล้ว

    Agree 👍

  • @joannalynatilano8065
    @joannalynatilano8065 ปีที่แล้ว

    Agree

  • @CT-gm4qm
    @CT-gm4qm ปีที่แล้ว

    Sir Chinkee, Paano po kapag nagamit na lahat ang Emergency Funds nabuo ko for emergency nun last year? So this year buoin ko namn ulit hehe

  • @busogsisyl
    @busogsisyl ปีที่แล้ว

    Sir Chinkee, ano po advice if walang matabi for emergency funds dahil nagbabayad ako ng utang😂

  • @th3rd_tzy812
    @th3rd_tzy812 ปีที่แล้ว

    I learned a lot

  • @dinadomingo3580
    @dinadomingo3580 ปีที่แล้ว

    Agree☺

  • @cristillesarmiento6059
    @cristillesarmiento6059 ปีที่แล้ว

    Agree❤

  • @adelaidadingaldingal
    @adelaidadingaldingal ปีที่แล้ว

    Hi sir papano poh maka order ng peso plan ofw ako Saudi riyadh

  • @adelaidadingaldingal
    @adelaidadingaldingal ปีที่แล้ว

    Hi poh pa shout out watching from Riyadh saudi Arabia

  • @luisaemmyloudelosangeles9645
    @luisaemmyloudelosangeles9645 ปีที่แล้ว

    Paano po ung piso planner?

  • @bgvlogs13
    @bgvlogs13 ปีที่แล้ว

    Pa shout out po 🎉🎉🎉

  • @maricarsevilla725
    @maricarsevilla725 ปีที่แล้ว

    Thank u sir Chinkee sa mga advice...like ko poh bumili ng iponaryo tshirts..how to avail poh??

    • @chinkpositive
      @chinkpositive  ปีที่แล้ว +1

      To order, go to chinkshop.com

  • @mhendy-c4e
    @mhendy-c4e หลายเดือนก่อน

    ❤❤❤

  • @carlitodupitas3007
    @carlitodupitas3007 ปีที่แล้ว

    🙏

  • @alicemaghanoy1993
    @alicemaghanoy1993 ปีที่แล้ว

    How to order po piso planner

    • @chinkpositive
      @chinkpositive  ปีที่แล้ว

      Get it here: chinkshop.com/products/payaman-book-bundle

  • @pearliedellosa973
    @pearliedellosa973 ปีที่แล้ว

    Agre

  • @joanflo
    @joanflo ปีที่แล้ว

    Clear

  • @aldenjamesrichard6727
    @aldenjamesrichard6727 9 หลายเดือนก่อน +1

    😂😂😂 ha,ha,ha😊

  • @kathjimenezesteban2303
    @kathjimenezesteban2303 11 หลายเดือนก่อน

    Sir legit po ba ang mga nagalok ng emergency fund sa online o fb..

  • @segridlatog1680
    @segridlatog1680 ปีที่แล้ว

    how to buy po

    • @chinkpositive
      @chinkpositive  ปีที่แล้ว

      You can buy it here chinkshop.com/pages/bbb

  • @AndreBARBERSHOP
    @AndreBARBERSHOP ปีที่แล้ว

    nasan po ang link ng piso planner

    • @chinkpositive
      @chinkpositive  ปีที่แล้ว

      Get your FREE Piso Planner today!
      Click here: chinkshop.com/pages/bbb

  • @anonimooo
    @anonimooo ปีที่แล้ว

    jackie chan kaw ba yan

  • @cristelynalamo2128
    @cristelynalamo2128 ปีที่แล้ว

    Hi ser frn korea 🇰🇷 .shout out po family Alamo. ❤ Sana poh add nyo po ng korean language sub para mapanod po ng koring ko? Thnx much😊 your the best ser ❤

  • @andrewlambz1652
    @andrewlambz1652 ปีที่แล้ว

    Saturn

  • @singlemomvlog8773
    @singlemomvlog8773 ปีที่แล้ว

    Agree👍👍 idol chinkee tan
    I learned a lot of your daily vedios

  • @JuggernautPrime-yk4xe
    @JuggernautPrime-yk4xe ปีที่แล้ว

    Boss chink ano po mangyayari pagbagsak ng dolyar dahil sa BRICS na gagamitin na yuan ano epekto sa bansa natin?

  • @ruselvlogs2110
    @ruselvlogs2110 ปีที่แล้ว

    Hello po sir chinkee , pwde po ba maging emergency fund ang gold ? Pra incase na may emergency pwde ma sanla. Thank you po 🤗

    • @arvintroymadronio7298
      @arvintroymadronio7298 ปีที่แล้ว

      Pwede po as long as may iba ka pang source of income para bayaran ang utang. Otherwise, mareremata lang din ang alahas na isinangla mo. Usually, maximum loanable amount sa pawnshop is 30% of appraised value of jewelry. Mas mababa ang appraised value kung electronic gadgets tulad ng cellphone at laptop, sapagkat mabilis itong ma-depreciate.
      Mas ok pa din ang mag reload ng cash as emergency fund na naka store sa digital banks na pwede ma-withdraw at anytime. Mayroon din silang time deposit. Interest starts as 4.5% per annum. Depende sa e-wallet.

  • @pearliedellosa973
    @pearliedellosa973 ปีที่แล้ว

    Clear

  • @kuyaacevlogs4042
    @kuyaacevlogs4042 ปีที่แล้ว

    Agree

  • @likcreativetv782
    @likcreativetv782 ปีที่แล้ว

    Agree ❤

  • @JerichaRosales
    @JerichaRosales 9 หลายเดือนก่อน

    Agre

  • @rowenabartolome3656
    @rowenabartolome3656 ปีที่แล้ว

    Clear

  • @segridlatog1680
    @segridlatog1680 ปีที่แล้ว

    agree

  • @kuyaacevlogs4042
    @kuyaacevlogs4042 ปีที่แล้ว

    Clear

  • @rosamariatamayo8452
    @rosamariatamayo8452 ปีที่แล้ว

    Agree

  • @fernandosequerra8568
    @fernandosequerra8568 ปีที่แล้ว

    Clear

  • @cristinamercado151
    @cristinamercado151 ปีที่แล้ว

    Agree

  • @acylmontillano1835
    @acylmontillano1835 ปีที่แล้ว

    Clear

  • @dadarile7109
    @dadarile7109 ปีที่แล้ว

    Clear

  • @cristinamercado151
    @cristinamercado151 ปีที่แล้ว

    Clear

  • @JennyNuccup-g4z
    @JennyNuccup-g4z ปีที่แล้ว

    Clear

  • @dindogomez5658
    @dindogomez5658 ปีที่แล้ว

    Clear

  • @janetorralba6869
    @janetorralba6869 11 หลายเดือนก่อน

    Clear