PAANO MAKAKAPAG-IPON NGAYONG 2025?
Gusto mo na ba maging financially healthy this 2025? Alamin kung paano ma-a-achieve ang iyong ipon goals kasama ang Financial Coach at Content Creator na si Alyssa Jhoy Dajay!
Hosted by the country’s top anchors and hosts, 'Unang Hirit' is a weekday morning show that provides its viewers with a daily dose of news and practical feature stories. Watch it from Monday to Friday, 5:30 AM on GMA Network! Subscribe to youtube.com/gmapublicaffairs for our full episodes.
Gusto mo na ba maging financially healthy this 2025? Alamin kung paano ma-a-achieve ang iyong ipon goals kasama ang Financial Coach at Content Creator na si Alyssa Jhoy Dajay!
Hosted by the country’s top anchors and hosts, 'Unang Hirit' is a weekday morning show that provides its viewers with a daily dose of news and practical feature stories. Watch it from Monday to Friday, 5:30 AM on GMA Network! Subscribe to youtube.com/gmapublicaffairs for our full episodes.
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FunTranscript
00:00Meanwhile, you can add 1,000 pesos to the Ipon Goals to start the Ipon Goals this 2025.
00:07A lot of people want to achieve that every year, Kaloy.
00:10Everyone has their own plan to achieve it.
00:12Kaloy said, I don't want to save money.
00:14This is like a segment for me.
00:17This is how the calendar is used for the Ipon Challenge.
00:20Let's show it.
00:24There you go.
00:25The amount is consistent for each month in the calendar.
00:29There's 100 pesos per day.
00:30That's great.
00:31There are also people who used the Classic Tube Ipon Challenge
00:34and the amount dropped to 1,000 pesos.
00:40You know, I have an Alcancia from a segment like this last year.
00:43I didn't fill it up.
00:45Do you have coins?
00:46It's like bills.
00:48I didn't fill it up.
00:50Of course, there are also the Alcancias that we're used to.
00:54There are the ones that drop to 20, 50, 100, and 1,000.
00:59That's a lot of coins.
01:00You know, especially the ones that drop to 20.
01:02That's a lot.
01:03That's also expensive.
01:04Yes, but this is what's really different.
01:06Rolly Priego put the Ipon in the motor's compartment.
01:11Is that safe?
01:12The neighbors might find out.
01:16Your motor might be out of balance.
01:18It's heavy.
01:19It's heavy.
01:20But for those who are just starting their Ipon Challenge,
01:24how do we start our Ipon Goals?
01:26And this is the hardest part.
01:27How do we become consistent?
01:29To talk about that, we have a financial coach and content creator,
01:33Aliza Joy Dahay.
01:35Good morning, Aliza.
01:37Good morning, Aliza.
01:38Good morning.
01:39The financial coaches are probably thinking that they're rich.
01:41Yeah, because they're very wise with money.
01:43Correct.
01:44Aliza, the first question.
01:46How rich are you?
01:48How do you start saving?
01:51First, actually, we need financial education
01:54because we have wrong mindsets when it comes to money.
01:57For example, I need to have a higher salary before I start saving.
02:02But actually, you can start small and consistent
02:05because no one started small.
02:08That's true.
02:09You just need to start.
02:10They say that if you don't have a peso, you don't have a hundred.
02:13Every peso counts, right?
02:15But how can you save if you don't have a lot of money?
02:19Regardless of how much you earn.
02:22Actually, our normal formula is 100% income,
02:26less the expenses.
02:27Correct.
02:28And save.
02:29Correct.
02:30But the question is, do you save?
02:32Yes.
02:33Because you need to buy things, right?
02:36You can't save as long as you have money.
02:39You can buy things that you need.
02:41Yes.
02:42You need to consider if you really need it
02:46or if you're just going for the form rather than the purpose.
02:49So it's really discipline, right?
02:51Yes.
02:52On handling your money.
02:53Yes.
02:54And identifying.
02:55Yes.
02:56What is the need or necessity versus the wants.
02:59Wants.
03:00Of course, there's no set percentage for money
03:05that goes to your savings and to your expenses.
03:07It really depends.
03:08There is.
03:09There is a formula.
03:10That's the formula.
03:11Go, Eliza.
03:12Go ahead.
03:13Show it to Ikaloy.
03:14She said there's no formula.
03:16I accepted it.
03:17No.
03:18You're the one who's going to save.
03:19Right.
03:20Actually, our income is 100%.
03:22You're going to write that?
03:23Yes.
03:24I didn't know that.
03:25100% of our income.
03:26What we call here is the abundance formula
03:28which is the 10, 20, 70 formula.
03:32So 100% of our income is a blessing, correct?
03:35Absolutely.
03:36Yes.
03:37So let's start with the 10% which is tithing.
03:39So that's what we give to the Lord
03:41or to any foundation that supports us.
03:43Church, foundation, community
03:45organization.
03:46Yes.
03:47It's very important because
03:48who is the one who gives us the blessing?
03:50It's still the Lord.
03:51We give back.
03:52We give back.
03:53Yes.
03:54The more generous we are,
03:55the more generous the Lord is.
03:56Yes.
03:57But don't forget to pay yourself also.
03:58So pay yourself doesn't mean
04:00that you have to pay what you want
04:02but you need to pay yourself.
04:03It means you have to save.
04:04Because for the longest time,
04:06we've been spending on bills,
04:08electricity, water.
04:10But we're not strong forever
04:12to earn money.
04:13So we need to save the 20%
04:15so that when the time comes
04:16when you can't work anymore,
04:17you'll be able to save.
04:18Can that be transposed to like insurance?
04:21Yes.
04:22That's where you get your savings,
04:23your insurance, your investment.
04:25Because sometimes,
04:26the income of the insurance is bigger
04:27than the savings.
04:28Yes.
04:29So don't put it on the savings.
04:30Yes.
04:31Then the remaining 70% is the expenses.
04:36That's it.
04:37That's it.
04:38That's your expenses.
04:39My equation was wrong.
04:40I thought it was 90%.
04:42No, in fairness,
04:4390% is a big percentage.
04:4490% goes to travel expenses.
04:46In fairness.
04:47If ever the 70% is not enough,
04:49that's where we assess.
04:50So where does our income really go?
04:54For the record,
04:55it never went short.
04:56It didn't go short.
04:57Wow!
04:58It's your turn.
05:02If the 70% is not enough,
05:04that's where you look.
05:05That's where you'll see
05:07that you're getting more
05:08from Milktea,
05:09Shopee,
05:10or something.
05:11Right?
05:12From our bills.
05:13Yes.
05:14From Bisho.
05:16Bisho.
05:17Bisho.
05:18Bisho.
05:19So it means
05:20if our income is 10,000,
05:22so that's 1,000 is the tax,
05:252,000 is the savings
05:27or investment,
05:28and 7,000 is your income.
05:30So don't look at your income
05:31as 10,000.
05:33Right.
05:34Because if you look at it like that,
05:35that's the mindset
05:36that you'll lose.
05:37That's right.
05:38But what we need is
05:39to look at it as a 70% losser.
05:41So that your lifestyle
05:43is below your income.
05:44So that it's not easy
05:45to save.
05:46And the less you spend
05:48on your expenses,
05:49of course you'll save more,
05:51you'll invest, etc.
05:52Yes.
05:53Okay.
05:54It's really all about managing
05:55your expenses.
05:56Absolutely.
05:57Earlier, we mentioned a lot
05:58of savings challenges.
05:59Is it really effective
06:00to save?
06:01Can we go back to Liza?
06:02Let's go.
06:04And thank you for discovering
06:05us.
06:06You can write our board.
06:08It's already a year here.
06:09I didn't realize that
06:10you can write that.
06:11Is it okay?
06:12Is it an effective way
06:13to save?
06:14Yes.
06:15The challenges we showed earlier.
06:17Yes.
06:18Is it okay?
06:19It's motivation for you to start
06:21and also to be disciplined.
06:22Yeah.
06:23Because saving
06:24is not hard.
06:25It's like you're not
06:26depriving yourself
06:27when you're saving.
06:28It's rewarding yourself.
06:29That's right.
06:30Because every peso you save,
06:31automatically,
06:32your responsibility will decrease.
06:33Automatically,
06:34you'll reach
06:36your financial goals.
06:37Right.
06:38Do you have a psyche?
06:39For example,
06:40when you start saving,
06:41it's continuous.
06:42Because sometimes,
06:43you don't need to.
06:44It's more consistent.
06:45Suddenly,
06:46you're saving
06:47an alcance.
06:48Hopefully not.
06:49So, you shouldn't
06:50as much as possible.
06:51You should be disciplined.
06:52You should focus
06:53on what you're doing.
06:54For those of us who are
06:55starting,
06:56the kids there,
06:57you can use those
06:58saving tips.
06:59The ones from earlier,
07:00the calendars,
07:01and also their alcance.
07:02As your motivation
07:03to start and become
07:04bigger.
07:05Thank you so much.
07:07Thank you so much.
07:0870%.
07:09Remember,
07:10that's how much
07:11our expenses are.
07:12Later,
07:13we'll have more
07:14tips to help you
07:15save.
07:16So, wait for
07:17Boodle Fun.
07:18Boodle Fun.
07:19Are you saving?
07:20I mean,
07:21Ipon Goals Edition.
07:22So,
07:23these are their
07:24references.
07:25Yes.
07:26Wait for it.
07:27Don't miss
07:28Unang Girip.
07:29Wait.
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