Day 212: Paano Kung sumosobra na ang lahat?

Speaker 1 Dapat network ang pertained. Day two hundred twelve paano kung sumosobra na ang lahat? Hi i'm joel i talked for a living and i'm an over thinker. Life keeps going and the questions keep coming but i hope you find comfort in the fact na hindi ka mag isa. Ang dami nating overthinker no sa ups and downs, twist and turns ng buhay. Paano kung ituloy lang natin ang paghanap ng kasagutan? Ready tara this is joel's podcast paano kung powered by the pot network? Hey hey over thinker kamusta ang puso? I'm not gonna lie. It took a while trying to decide on today's title and i know it feels a little big kasi like ano yung sumosobra na ano yung mga bagay na yon? So if you clicked on this, maybe hindi ka sure what you're in for exactly. But if you're not tiny voice in your head, parang just feeling overwhelmed in an unexplainable way then maybe it was a sign or baka na miss niyo lang tong chikahan natin today. We're actually having our first guest. Of this season of this year, if you've been around here long enough, alam niyo na. I always try to be intentional with the guests i have and i always make it a point na you pick up something valuable na pwede niyong i apply agad sa buhay niyo. Whatever stage you may be in your life and ako personally, i'm so excited to learn from this conversation and i just love how things fell into place for all of this to happen right now. So as i prepared for this episode and stino ko syempre ng bonggang bongga ang ating guest ay. Realize that i've actually seen a few of her videos na on my feed through the years and i i would see snippets of her o f w story and then another video of her when she came back home to the philippines and certain decisions there, but something that really caught my attention and intrigue me is her current journey and this decision to deflate her lifestyle. So yun yung sumusobra in the sense in the literal sense actually so ano bang ibig sabihin no when you deflate your lifestyle, what does this involve? Ginagawa ba to pag sumusobra ang mga clutter sa bahay or this? Does it apply sa clutter din in our head? Our guest today actually creates content. Then there's a lot of things she does that we're gonna hear more about. But generally if you've seen her online, she shares a lot about personal finance, money habits and her journey on frugal living, but i'm happy to have her here dive deeper into this journey. So paano kung usapang pera at lifestyle tayo with? Jane rivera, popularly known as jane wonders hello hello. Speaker 2 Much for inviting me? Speaker 1 Thank you so much. I'm so excited to meet you here and ang saya ko that you said yes. I am honored to be your first podcast. Speaker 2 Guest yes so nag chichikahan kami kanina and i was so happy na na meet ko siya and i told her na i'm quite nervous kasi this is the first time ever that i've said yes to upload cast guesting kasi naturally i'm introverted. So, this is a huge step for me na mag attend ng events interviews kasi sanay ako. Nakakaharap ko lang camera pag nagsasalita ako about my lifestyle about personal finance. I talk to a camera so that's okay and i think madaming introvert din na makaka relate dun kasi for us finally we have a platform where we can share our thoughts, our ideas, pero we don't have to deal with people so that's good for us pero hindi ko na realize na oo nga no. Pano pag may mga nakarinig talaga nung ideas mo and they want to approach you. They want to hear more about it so this is me stepping out of my comfort zone and um realizing na pag nag no kasi ako ng nag no i'll miss out on opportunities like this having nice conversations, meeting new people so thank you for inviting me and just let it be known that im nervous. Speaker 1 Yun yun ang unang question natin lagi pag with your guest is kumusta ang puso cause i always ask that so ang puso mo ngayon ay nervous. Speaker 2 Tas kinakabahan sya pero kinakalma natin sya. Speaker 1 She's there was what she doesn't. She is really good so just show up kahit na hindi ka sigurado cause there's always a lot of magic there and that's crazy. No speaking, i'm hearing that from someone who literally said yes to big opportunities outside the country pa di ba? So ang ganda, i'm so excited that our schedule sa lined and we we have this right now ah but yeah, back story time para sa mga tao who may be singing for the first time or. Perhaps parang schools role nakikita ka here and there. How was your lifestyle in your formative years na parang rewind tayo to baby jean? Speaker 2 Yeah. Growing up ah yung buhay ko. Very simple kasi lumaki ako sa probinsya probinsyana ako dahil both my parents nagtatrabaho sila at that time nung elementary days ko so kinailangan nila kaming iwan sa lola ko yung mom ko o f w siya so dun ko nakuha yon and then yung dad ko naman katrabaho siya dito sa maynila so laki kami sa lola pero i distinctly remember na kailangan naming maging responsable at independent at an early age. Kasi si lola at that time matanda na rin siya. So ang bilin samin talaga ng parents ko. Wag magpaasikaso kailangan tumulong ka kailangan hindi mahirapan si lola na nandyan kayo. So ganun siya and yung household namin hindi kami hirap pero hindi rin naman kami well off so whenever merong pera merong extrang budget na mabibigay samin ang bilin lagi ng lola ko. Ingatan mo siya kasi pinaghirapan niya ng parents niyo. That's why wala sila lagi dito kasi. They're working hard to support you. So yun yung tumatak sa utak ko na every time kahit limang piso lang hindi ko siya ibibili ng laruan. Ibibili ko siya ng food. Ibibili ko siya ng treat para sa sarili ko na mawa candy yung pero pagkain pa rin talaga basic need. So i think isa yun sa mga tumatak talaga sakin na mahirap kitain ng pera and you should value and respect it every time magkakaroon ka. That's why ganun yung naging upbringing ko and ganun ako. Speaker 1 Ngayon. Di wow, that's. That's really special to hold on to that. No, to have that ingrained na agad bata pa lang na kailangang an hindi to parang you dont spend it everywhere and stuff and honoring that even having your lola there as well na na ano you don't like take that for granted also hindi lang yung pera but also that time and the effort na nilalaan sayo ng mga primary care givers niyo ganda so at that time what were your big dreams non? Speaker 2 At that time since yung family namin parang magkakalayo nga kami kasi yung parents ko wala dito. Ang gusto ko lang talaga nun makauwi si mama so hello kasi um since yung sister ko nasa maynila na kasi yung papa ko andun so magkahiwalay kami tas yung mama ko nasa abroad. So yung big dream ko lang talaga nun is to finally mabuo kami and um eventually nangyari din naman siya through hard work ng parents ko. So right now. Kahit papano mas buo na kami yung sister ko nasa ibang bansa pa rin sya pero nakakauwi naman sya from time to time. So kahit papano mas bonded na kami right now kesa dati. Speaker 1 So yung parents mo or finally together na rin. Speaker 2 All so since may mga trabaho naman na hindi na hindi na kami watak watak ngayon. Speaker 1 Tas mas intentional na rin yung panahon like you and your sister also na choosing to come back home and spend time with them kasi yun yung very valuable as well. Wow. Ang ganda. Thank you for the all that. That's a that is a very special dream that sometimes parang we we forget na especially as anak ng o f w or even the fact that your dad was in manila as well. San isang province ba? Speaker 2 Bicol. Speaker 1 Okay i see okay not to malayo pa rin eh. Malayo it's still a. Speaker 2 Treat hours na yes yes. Speaker 1 Okay sya i see so you had those money. Beliefs were primarily like, would you? You talk pa rin naman consistent with your parents nun throughout, even if they were far and then you had your. Grandmother lola and your parents sila yung main na nag ano ng money beliefs na nag build ng money belief niyo. So all of that the fact na your mom was also ano o f w was that something that? How did that influence the way you choose? Kung pano ho magtatrabaho din? What the lead you to the work na ginagawa mo din ngayon? Speaker 2 Yung mom ko kasi since ofw siya parang nung una ayoko siyang gawin kasi kumikita naman ako dito. Tapos ang nakakapagtrabaho naman ako ng maayos and naisip ko hindi ko kailangan mag abroad kasi ayun nga maayos naman yung kita pero na realize ko din na parang. Gusto kong magkaroon ng mas madaming opportunities. Gusto ko pang ma explore yung ibang parte ng mundo. Hindi lang dito sa pilipinas and alam ko na yung parents yung mom ko o f w siya. So tinatanong ko sila nung ate ko kasi yung ate ko nag o f w din sabi ko is it something na i should explore? I should try and sabi ng ate ko yes kasi mga broaden nga yung horizon mo, mas magiging independent ka. So if there's an opportunity why not? And then yung opportunity na yun dumating so nag take ako ng advice from them tapos. Ginawa ko sya. So inspired pa rin nung journey ng parents ko. Speaker 1 And the fact that ginagawa din ginawa din siya ng sister mo as well. So your first experience was in dubai was that the first time na nag. Speaker 2 Nag abroad, mag abroad guy and then one year lang ako doon tapos hindi ko kinaya yung weather dahil sobrang init nga tas ang baba ng sahod and kinailangan kong mag commute every time papasok ako from dun sa apartment namin. Tapos hanggang dun sa office. Actually kaya ko siyang lakarin walking distance sya pero since sobrang init sa dubai, hindi siya kinaya ng katawan ko kasi sobrang init talaga to the point na pagdating ko sa office para akong naligo. Speaker 1 Ganun siya tapos bear con pa sa loob ng. Speaker 2 Office no nagka na ospital ako nagkasakit ako and then after nun sabi ng sister ko thats enough. Okay na yan na experience mo na balik ka na ng pilipinas and then i shared that with my bestfriend na nasa malta so sya naman sabi niya wow wag ka umuwi sayang. Speaker 1 Hindi. Speaker 2 Yan na yung di ba parang art ng mga story of filipinos na nag o f w andyan ka na huwag ka munang umuwi tas sabi niya why not try it here? Dito ka muna sa malta tingnan natin kung may opportunities then for you tapos yun tinulungan niya ako na makarating sa mahalta and then dun na nagtuloy tuloy yung career ko as an ofw tas five years ako don bago ako bumalik. Speaker 1 Dito in malta, ah, and then you decided to come back home. Yes, because. Speaker 2 Para sa iba siguro is a crazy idea. Speaker 1 It feels like that for so parang andun na ang ganda na ng. Tas ng space there, the the environment and the benefits, i'm sure andami. Speaker 2 Kong na receive na ganyan ang mga feedback na ano ka ba euro na yon? Bakit ka pa umuwi? So para sakin kasi um yung goal ko kasi right now it's something na hindi ko ma achieve nung nasa malta ko and hindi talaga ako masaya nung nandun ako and i know na in this day and age yung success naman hindi na siya defined sa kung ano lang yung nakikita mo online or nakikita mo sa parents mo di ba? It's something na masaya ka talaga yung gusto mo talagang gawin sa buhay mo. And i saw an opportunity sa ginagawa ko sa online content and digital marketing na it's something na i can do then kahit nasaan ako so tapang tapangan umuwi para i pursue yung mga side projects and yung mga bagay na hindi man ideal para sa iba. Para sakin, feeling ko mas fulfilling sya kaysa pag nasa abroad ako. So yun yung dahilan kung bakit ako finally umuwi ng pilipinas. Speaker 1 And to have that power of choice. Speaker 2 Also. Speaker 1 Onder full like. Ah anong sinabi nung mga ng your parents and your sister? Were they against it na bumalik ka? Speaker 2 Ng filipinas. Yung mom ko syempre gusto niyang makumpleto kami. Syempre gusto niya lagi nasa bahay ang mga anak nya. So supportive sya. Yung sister ko na isa medyo nag hesitant sya na mag agree sa idea ko pero nung sinabi ko naman sa kanya na don't worry, meron pa rin namang trabaho. Hindi naman tayo fully zero pagbalik sa pilipinas kasi may remote work pa rin naman ako so parang kahit papano mas napalagay sila kasi they know naman na hindi ako yung tipo na uuwi lang tas walang plano alam nila na merong. Kumbaga back yon ng something that i really want to do into want to pursue. So hindi lang siya basta basta na uwi na lang tayo. Speaker 1 Iniwan na. Speaker 2 Lang ako feeling mo anak mayaman ka bigla ka na lang umuwi ng pilipinas. Hindi naman po ganon. So in explain ko naman sa kanila na um. May mga plano naman tayo sa buhay. Hindi lang basta random decision. Speaker 1 And swerte also with your boss that allows you to do remote work. I think that's key as well. Speaker 2 No yung binigyan nila ako ng tiwala na i can do it while i'm here in the philippines. So thankful din naman ako don. Speaker 1 Ni you mentioned earlier na parang early on in your life na meron ka ng mga certain money beliefs na na pinaghihirapan ng pera dapat alagaan siya ah. Where their things that changed in your time. As an o f w as well? Speaker 2 Para sakin ahm na realize ko talaga lalo na nung nasa malta ko na nawalan ako ng trabaho. Money is security talaga eh. Minsan kahit na sobrang well off mo na hindi mo masabi yung panahon kasi for example that happened to me. Feeling ko okay na ko nasa mahalta ako, meron akong trabaho, may savings ako and then biglang nagka pandemic biglang nawala lahat yung income mo zero yung savings mo unti unting nauubos. Tas dun ko na realize na hindi talaga siya magiging desisyon mo kung magiging secure ka. Kung hindi mo aayusin yung finances mo so it's for money for me is security. So dun yun yung realization ko nung nasa abroad ako ay na pag hindi mo siya inayos, madali lang siyang mawala eh. Eh di ba? Speaker 1 It's all. It's not just about. Parang income and cheap, but it's also there is an art and a science din to being able to keep it and even make it grow then. So what led you? Bakit ka nag decide na mag content and to focus on finance as well? Um kasi hindi naman finance yung industry as well, right? Yun yung hindi rin yun yung industry ng. Speaker 2 Pinagkakataon ko. Nung umpisa, i was just sharing my life as an o f w and what led me to doing content boredom to be honest. Speaker 1 Pandemic. Speaker 2 You know kasi nung nasa malta ako madali ang transportation pero matagal. So as a mo naaligaga hindi pwede sa akin yung nakaupo lang ako. So okay yung utak ko talaga na stress dahil madali sumakay ng bus pero sobrang haba ng biyahe mo one and a half hours minsan so what i would do i would listen to podcasts. Like this one so napapansin ko sa sarili ko kapag nakikinig ako kila ali abdal mel robbins yung utak ko nagbabate din na parang oo nga no pero what if ganito? So parang sabi ko uy may idea sya. Baka pwede nating i share online then let's see if may makikinig. At first nagke create lang ako ng content sa kwarto ko nag edit. Edit, ganyan pino post ko siya privately kasi wala pa akong confidence to post it publicly tas um kini critic ko yung sarili ko. Pinapanood ko siya para akong baliw parin. Na pinapanood ko yung sarili ko tapos ire reshoot ko sya tas dun na siya nag start. Speaker 1 Ganun ka kadaming time no yes ganun. Speaker 2 Ako ka board kasi syempre pag nasa abroad ka di ba parang konti lang naman yung time mo to socialize kasi limited lang yung friends mo dun tapos wala rin naman yung pamilya mo so dami mo talagang time to do to experiment to try things out so dun siya nag start. Speaker 1 I see, but but then so it started with your personal life journey abroad, but then. Shift siya to talking about primarily about finances or parang it went under that umbrella like we did. It just feel naturally or wether like questions kasi marami pong nagtatanong about it. Tas you'd parang may leaning parang your hand a leaning towards. Speaker 2 That tanong kasi lagi magkano yung ganito? Magkano yung budget mo para umuwi sa pilipinas? Magkano yung um amount na dapat meron ako pag savings? So nung nag start ako mag share ng isang video about ipon na ang target audience ko is o f w dun na siya nag start. Kasi nag viral din yun. Parang ang dami ring comments about it. Tas na realize ko na. Yung mga tao parang nagki crave sila ng more information about finance so. Nung nakita ko na sobrang daming comments. Dun ako nag start na magkuha ng idea na ano ba yung madalas nilang tinatanong. Ano yung gusto nilang malaman na feeling ko naman parang may confidence naman ako to talk about it. Speaker 1 Your personal experience as. Speaker 2 Well yes so lagi lang ganun yung ginagawa ko para grounded yung content based on experience so that way um may makaka relate man. Alam ko na yung sinabi ko or in advice ko based sa experience ko and hindi dahil gusto ko lang mag viral. Gusto ko lang tong pag usapan kasi ito yung pumatok sa inyo. So ganon ko sya nasimulan? Speaker 1 I see parang may calling ka na talaga towards that and that deep understanding and passion then. So i i love that now. So we go to today's topic which is paano kung sumusobra na ang lahat? So it is in the literal sense kasi it is about what you do. Yun naman yung main but i kinda wanted to talk about the figurative side of it first. So can you talk about yung mga certain points sa buhay mo na naramdaman mo na shock? Sumosobra na to. Ang dami and how did you handle those yung mga critical moments na parang teka nagkasama sobra na to ganyan. Speaker 2 Back when i was still in malta na adik ako sa online shopping talaga yung pag. Speaker 1 May ano din sila dati meron din. Speaker 2 Naman meron din naman. Hindi kasing accessible dito sa pilipinas na tatlo. Tatlong applications yung naka open sa phone mo. Pero yes meron. So pag bored ako scroll ako hanap ng mga pwedeng damit at gamit sa bahay to the point na napapansin ko. Add to cart. Ah, check out and then all of a sudden every other week may parcel. Tapos ang saya ang saya mag open ng parcel nawawala yung borda tapos parang all of a sudden bago lahat ng outfit mo. And then napansin ko na yung dalawang malaking cabinet ko sa malta puno na siya ng damit. Ganun na ako kilala. Tapos nung pauwi na kami dito sa pilipinas. Kailangan kong. Ilagay yung lahat ng yon sa dalawang suit case kasi hindi ko naman sila pwedeng dalhin lahat pabalik dito eh. Tapos nung ilalagay ko na sila sa suitcase hindi kasya syempre kailangan mong i declutter lahat. Kailangan mong i donate kailangan mong ipamigay kailangan mong mag decide kung alin dun yung ile let go mo tas dun na parang na realize ko na hala ito fifty euros to ito one hundred â euros so ang sakit kasi pinaghirapan mo siya dun na siya nag start mag sink in na. Hindi pwedeng ganon, hindi pwedeng basta ko na lang gagastusin yung pera ng hindi ko sya pinag iisipan. So i started auditing kung pano ko mina manage yung finances ko and kung pano ko siya. Ginagastos online. Speaker 1 I i like how you mentioned no kasi parang galing nga produkto din to ng board of. Speaker 2 No yun talaga a good. Speaker 1 Thing of all, the good thing of boredom is nakapag muni muni ka and decided to create content but also. Speaker 2 My cons din. Speaker 1 Pala nakapag shopping ka ng mga yan. So much time para mag shopping and it was very different from kung pano ka pinalaki dati na inaalagaan ng pera. So was there a shift na parang wait lang? Hindi ako tol. Speaker 2 Totoo may ganon kasi parang sa bahay kasi namin masinop talaga pagdating sa pera hindi siya basta yung. Pag may pera tayo mag shopping tayo hindi ganon so hindi ko rin alam kung ano nag click sakin bakit check out ako ng check out at that time naaliw lang talaga ako dun sa instant gratification na uy ayan meron kang gagawin mag unbox ka? Check mo yung mga damit tas galakaw with friends so yun yung na realize ko na yes may instant gratification is masaya mag unbox mag check ng check out ng parcel ay ng mga damit pero at the end of the day it doesn't really solve anything for me. Personally kasi board pa rin naman ako. Hindi pa rin naman na okay yung finances ko so dun na sya nag click na kailangan ko yatang i audit kung pano ko ginagastos yung pera ko kasi hindi na sya okay para sakin. Speaker 1 Yes so dito mo to na realize after the shopping or when you had to come home to pack for. Speaker 2 Help to come home yung kailangan ko siyang pagkasyahin sa dalawang suit case. Speaker 1 Kasi na nag e enjoy. Speaker 2 Oo parang masyadong magastos kapag dinala ko to lahat sa pilipinas and to be honest eighty percent lang naman. Eighty percent dun sa mga yun. Hindi ko naman talaga sila nagagamit. Parang masaya lang siyang isukat. Masaya lang siyang effect sa bahay. Pero to be honest, hindi ko naman talaga sya nagagamit. Hindi ko siya halos nasuot yung mga damit ngayon so ang swerte nung mga napamigay yan ko din talaga kasi halos brand new sila and for me at that time. Nakakapanghinayang na yung dalawang box na yun na pinamigay ko. Dati siyang pera yun lagi ang tumatakbo sa isip ko dating pera yan tas ganun na lang siya ngayon so yun dun siya nag click sakin. Speaker 1 And i like how you mentioned that no na parang these were all small things eh? And i think doon dun din kasi na fall na trap the it's a that's the trap that people fall in like ah, maliit lang naman to na orderin mo lang and it's made kasi to be so easy for all of us so we're like, ah okay ano ano lang parang ano lang naman to onti lang ganyan. But then when their moments in time that we're faced no kailangan nating harapin kung gaano karami na yung na accumulate pa. Hay hindi sya onti marami sila okay. Speaker 2 Kasi ang advertisement satin lagi mura lang di ba? Parang maliit na bagay lang siya kumpara sa sahod mo. So bakit hindi mo na gastusin yan ng ganon? Ganon lagi yung pitch eh. Speaker 1 So how was that? Nung nung binibitawan mo? Parang did you have a hard time letting go of these things? Then kasi process of that. Speaker 2 As much as possible. Gusto ko silang iuwi. Dito sa pilipinas kasi baka sakaling magamit ko pa sila so medyo mahirap ilet go yung mga damit. Yung mga gamit na ilang taon mo rin namang pinaghirapan para mabili. Pero eventually na realize ko na kung hindi ko sila inisip na ilagay dun sa dalawang suit case na yun, it means wala talaga silang value. Para sakin kasi bago ko naman sila nilagay sa donation box or dun sa mga box na ipapa ibebenta ko, parang pinag isipan ko rin naman talaga kung okay pa ba to. Pwede ko ba siyang dalhin sa pilipinas? So may ganun naman? Speaker 1 So nag naglaan ka rin ng panahon talaga para upuan sya at mag decide no? Hindi hindi lang siya parang ganun. Mabilisang thing talaga. See also worked hard for these things and parang physical manifestation din sya of like how far you've come. So i think yun yung emotional. Ano din nun noh? So. Now and nakauwi na nauwi mo na yung dalawa. Did you end up buying again? More stuff na pag uwi mo na ng. Speaker 2 Pilipinas nung una nung una yes kasi meron pa ring excitement. Speaker 1 Eh mas mura. Speaker 2 Din oo tapos gusto mo na yung mga style? Iba pa rin naman kasi kung ano yung mga nakikita mo sa ibang bansa eh. So kahit papano yes pero mas naka catch ko na yung sarili ko na wait lang parang sobra na so mas careful na ko sa kung ano yung binibili ko and i make sure na yung binibili ko magagamit ko talaga sya. So yes i still do shop online. Namimili pa rin naman ako. Hindi naman ako yung tipong ay hindi pwede bawal yan kasi pinagdaanan mo na yan. So yes i still do it. I shop online. Mas intentional na lang ngayon. Mas careful na ako na may value talaga dun sa mga chine. Check out ko kailangan ko talaga siya magagamit ko talaga siya. Speaker 1 Okay, so you you have now been talking much about the lifestyle deflation and what brought you to actually doing this and making that. Parang nag start na ba yung deflation nung lumipat ka here or was this more just nung lumipat ka na to the one bedroom. Speaker 2 Nag start sya nung nag move out ako from my one bedroom apartment and then downsize to a studio so doon siya nagsimula na parang na realize ko kasi na yung one bedroom apartment ko para ko lang siyang studio. Ginagamit ko lang siya kapag kailangan ko mag work, may meeting ako. Create ako ng content pero most of the time nandun ako sa bahay ng parents ko. Umuwi ako sa kanila. Dun ako kumakain doon ako nagdi dinner so na realize ko na bakit ako nagbabayad ng ganung kalaking monthly rent na hindi ko naman sya na uutilize. Hindi ko siya nama maximize and when i yes minsan may bisita ako pero that's every other month so on a daily basis hindi talaga fully maximized yung apartment and nanghihinayang ako dun sa pera so nag start akong i audit i compute kung magkano ba yung matitipid ko and my sex. Is ba if ever mag downsize ako so doon ko siya sinimulang pag isipan and dun nabuo yung lifestyle deflation. No idea. Speaker 1 So for those who are maybe hearing it for the first time. What is lifestyle deflation? What does that involve? Speaker 2 Yung lifestyle deflation kasi is intentionally lowering your expenses even if your income increases para yung matitipid mo dun sa process na yun, pwede mo siyang gamitin to fund things that are actually adding value. To your life. So for example, if you want to start your emergency fund, you want to. Um, you want to have financial freedom. Pwede mo syang gawin through lifestyle deflation and may mga nare receive ako na comment saying na. Bakit mo ide deflate? Yung sarili mo ba yung lifestyle mo? Bakit mo siya ire restrict? That's why you're working. That's why you're trying to um increase your income para mabili mo yung mga gusto mo. And for me that's why doon sa definition ko, i make sure na laging merong intention. Intentional kasi. It all depends sa kung ano yung gusto mo eh ano yung intensyon mo sa buhay kung bakit mo siya dini deflate kasi kung ang intensyon mo talaga is to upgrade your lifestyle and you are sure that you can maintain or sustain it then by all means upgrade your lifestyle kasi it's something na sustainable for you. Speaker 1 Tsaka yun yung gusto mo sya. Parang choice mo yun eh. Speaker 2 Right kaya pero if you're someone na wala pang emergency fund tapos hindi lagi umaabot yung sahod mo sa susunod na sahod then maybe you should look at your finances in a sense na. Baka kailangan kong i deflate yung lifestyle ko kasi hindi sustainable. Yung lagi akong nag a upgrade kahit na tumataas yung sahod ko. So yun yung ibig ko sabihin dun sa lifestyle deflation. For me, that's the definition of it. Speaker 1 Right kasi inversely we hear lifestyle inflation a lot na iyon pag kumikita kita na pag nakakaluwag luwag na yun yung ah okay dagdagan na natin yung mga binibili natin yung shopping fund whether that food or travel pa tayo some more or we're gonna buy. More premium things? No. And i'm sure parang you've reached that point in your life din lalo na nung parang mas naka ano na nakaangat angat na po tayo ganyan in as you advanced in your career no. So would you say parang this choice na mag lifestyle deflation hindi do you see yourself doing this for the rest of your life or just because parang it may goals ka lang that are more. Speaker 2 Important right now. Ahmmm my goals ako that are more important right now and i know that if i keep upgrading or inflating my lifestyle, it's not something na sustainable para sakin. Hindi ko sya kayang i maintain so alam ko na ngayon pa lang kailangan ko ng ayusin yung finances ko. If you if i want to reach my goals so hindi siya something na plano kong gawin forever kasi ganun naman yun di ba? Parang kung parang sa marketing lang may strategy ka lang kung pano mo aabutin yung next goal mo so that's what i'm doing right now. Speaker 1 Hm, okay, and i, i think because a lot of people tend to have this dream. Ang malaking pangarap lagi ng mga tao no? Ay parang magkaroon ng bahay ganyan but sometimes people forget na sige you get your dream house. But kasama din dito yung paglinis at up keep at pag alaga ng mga bagay and that is a lot of work. So yun yung that came with your intention as well na nung sinimulan mo i audit yung mga bagay sa buhay mo na ah. There the place you live in right now. Ito yung purpose na siniserve nya, right? So right now ano saan napupunta yung priority? Ano yung main priority mo now with i like, how did that change as well? Speaker 2 As harry. Speaker 1 Like pano nagbago yung mga priorities mo and where it goes na instead because you're in this area of lifestyle. Speaker 2 Deflation okay, so right now kasi ang goal ko talaga is to make sure na stable na yung um lifestyle ko. Hindi siya nagfa fluctuate kasi i think it started then with content creation na i noticed na yung income hindi siya stable eh paiba iba siya the same then with freelancing which i also do so since nagfa fluctuate siya. I need to do something about ted to make sure na sustainable yung lifestyle ko so kahit na nagi increase minsan yung income ko or bumababa siya kaya ko pa ring i sustain kung ano yung monthly expenses ko so doon siya nagsimula kaya deflate kayo. Lifestyle ko kasi napapansin ko na parang masyado na siyang tumataas eh and hindi hindi ko sigurado sa sarili ko din kung kaya ko syang i sustain the following month or the following year. So just parang to level everything lang to make sure na. Hindi ako mahihirapan na i maintain yung savings, investments and other things. Other expenses sa buhay ko. I had to do that. Speaker 1 So what were those first things that you had to let go of? Speaker 2 Yung apartment okay medyo masakit siya i let go kasi syempre isang taon ka na tumira don um yun yung unang apartment namin ng husband ko and we felt at home na talaga dun sa space na yon. So medyo mahirap siyang i let go pero at the same time. Bumabalik lang ako lagi dun sa intensyon ko kung bakit ko siya ile let go kasi i know na if i keep um if i keep that apartment, hindi siya beneficial sakin in the long run eh. So that's why kahit mahirap i had to let go of that apartment. Speaker 1 But how does it feel now that you actually did the thing and let go of the apartment? Speaker 2 Sobrang nakahinga ako. Okay kasi um i'm someone na ayoko ng clutter. Ayoko ng madami akong kailangan asikasuhin kasi madali akong madistract. So pag nakikita ko na hindi ko pa naliligpit ko hindi ko pa naaayos yan ang gulo ng bahay. Hindi rin ako makapagtrabaho. Speaker 1 Naramdaman ko yun in my systema. Speaker 2 So parang baka wala kang concentration din. So now na kahit maliit yung space ko at least kaya ko syang i maintain kaya ko siyang ayusin ng kahit isang oras lang sa isang araw. So yun naman yung final. Speaker 1 So you feel that talaga because that that is something i'm trying to work towards them, cause um, having to accumulate a lot of things in case na ganito in the line of work that i do. O baka kayo. Tangang ko to baka magamit ko to for something ah but i could already feel it physically in my body. Parang kinukwento mo pa lang yung cutter. Parang amg gumana na yung katawan ko and like because there are still things that are like kailangan ko na ngang bitawan pero ako first yung nahihirapan pa rin um but i love that you said after just making the choice to let go of these things parang. Hindi mo na siya hinahanap hanap parang may ganun ba? May hinahanap mo ba yung cravings ko today? Yung one bedroom ko ganun yung mga ganung. Speaker 2 Moments ba kasi kahit yung mga damit na ni let go call before sa una mahirap siyang i let go pero eventually parang makakahinga kayo na finally hindi ko na siya kailangan isipin. Hindi ko na siya nakikita araw araw sa cabinet ko na andun ba to? Andami hindi ko naman nasusuot so ganun din yung pakiramdam ko dun sa apartment. Yes, merong sentimental value. Nakakalungkot kasi hindi ka na dun uuwi pero yung kapalit naman noon yung peace of mind yung. Mas madali na yung araw araw mo kasi wala kang masyadong kailangan effects. I upgrade i upkeep so yun naman yung pros nung paglipat ko. Speaker 1 Hey there alex calleja here. Bakit ako nandito kasi gusto kong ipaalam sayo na may podcast din ako. It's called punch line with alex calleja. I talk about everything serious, happy sad pero sa dulo may funds line or may comedy again its funds line with alex calleja available on spotify kung saan ka man kumukuha o nakikinig ng podcast namumukhaan kita lilista ko pangalan mo kaya see you there. Where their other things na nahirapan kang bitawan din dito sa pag deflate din ng. Speaker 2 I think yung space space din kasi syempre mas maliit na so hindi na ako masyadong nakapag accommodate ng guests kasi syempre before anytime yung buong barangay dalhin mo sa sa hindi naman buong barangay yung buong family. Yung buong family mo don nag stay overnight ganyan so ngayon medyo nale lessen na yun. Yun lang pero aside from that. Speaker 1 But other than that, parang the proste still outweigh the cons more. Especially nga yun nga yung pina prioritize mo sa ngayon. So since you have goals and it's very clear for you na okay ito yung ano lang to like this is an era of our life lang. We want to be able to have more sustainability and stability as well. Ano yung mga bagay that? You decided not to spend on muna. Parang ay hindi yung hindi muna natin paggagastusan ngayon that you used to spend so much easily before. Speaker 2 Right now yung shopping okay yun talaga and um i think yung rent kasi isa siya sa mga biggest expenses ko din on a monthly basis yung rent ko so parang nire re allocate ko lang naman siya. Hindi naman ibig sabihin na ideflate mo yung lifestyle mo. Sobrang i shrink mo na sya. You can also reallocate it if you want so instead of um using the money sa rent. Na hindi mo naman na utilize totally. Pwede mo syang gamitin sa ibang bagay if you want to travel more or if you want to use it to start your investment portfolio, pwede mo rin syang gawin. So ganun yung ginagawa ko right now and same with shopping right now. Ang goal ko is magkaroon nung capsule wardrobe. Ganun yung gusto kong gawin kasi mag iinvest ka sa mga quality pieces pero magagamit mo talaga siya. Yes so ma hindi mo mararamdaman na yung closet mo, madaming gamit pero hindi ka di mo alam kung ano isusuot mo. So. Right now yung dalawa na yon sa rent yung. Speaker 1 Major thing i see are there other myths and assumptions yung mga comments that you get na mga assumptions about this life style choice na pwede nating i debunk also. Speaker 2 May mga nagco comment asking kung yung lifestyle deflation ba sa pera lang yan or pwede ko ring i deflate yung mga toxic people sa buhay ko and i i remember commenting na yes if those people are toxic na sayo ang nararamdaman mo they that they don't add value sa buhay mo. And there is stressing you out why not di ba? Try using lifestyle deflation din emotionally and socially kasi you can also do that kung makakagaan sa pakiramdam mo na the following month, hindi ka na around these people that you feel na parang hindi ka nage excel. Hindi mo magawa yung gusto mo. You can also do that with lifestyle deflation. Speaker 1 Okay, what? What else are other other stuff pa. Speaker 2 Um na, it's about restricting yourself. Speaker 1 Okay. Speaker 2 Kasi yun lagi yung nare receive ko ng comment na bakit mo nga ire restrict ay bakit mo ideflate yung buhay mo? Na ang goal natin ay magtrabaho kumita at maging masaya. I enjoy yung pera natin and i have nothing against that. You can enjoy your money kasi pinaghirapan mo yan. Ako personally i have a joy fund. Dun ko kinukuha yung fund ko kung gusto kong gumala with friends mag travel and ah eat out with my family. Hindi siya about restricting yourself. It's about removing excess yung sobra na para sayo pero wala namang added value sa buhay mo. Speaker 1 I think that's what is really crucial having that allocation ina allocate mo pa rin kaya hindi ka parang hindi hindi nagtitipid tayo ito ni. Hindi sya gailangan nun ay kailangan ng onting pagkukuhanan ng mga bagay na pang yeah for your favorite treat lang here and there occasionally. Pero yun yung trap na nahuhulog din yung maraming tao eh pag walang ganon because yun yung nangyari sayo when when you went on that full on shopping spree also in multo just checking out and everything if you don't have that that allocation yun yung trap no, that's what we would that were avoiding. Speaker 2 Kumbaga. Kumbaga may extremes din naman kasi talaga siya. Parang may tinatawag din sila na extreme. Nanggagaliti yung magsa start ka ng frugal living and then all of a sudden ayaw mo na bumili ng tissue kasi sayang yung pera ganon ayaw mo na magpa check up kahit may sakit ka so yun naman yung tina try nating i avoid kaya mayroon akong joy fund kasi ayokong i resent yung idea ng ginagawa ko dahil kapag pakiramdam mo masyado kang restricted parang every time maiisip mo yung idea ng lifestyle deflation, saving budgeting i resent mo siya kasi hindi ka masaya dun sa ginagawa mo. Ginagawa mo sya dahil. Kailangan mong magtipid kailangan mong i restrict yung sarili mo na parang lagi kang may limitasyon. So para hindi mo maramdaman yun balance lang. Lagyan din natin ng budget for fun. Speaker 1 Okay, i love that. Very important pa rin na may joy pa rin ang pinagkukuhanan nga ng joy. Would you say is the difference between lifestyle deflation and yung scar city mindset? Speaker 2 Um i think yung lifestyle deflation kasi more of intentional. Parang may goal ka talaga kung bakit mo siya ginagawa. Gusto mong emergency fund? Gusto mo ng savings? Pero yung scarcity i think nagsystem siya from fear eh na parang ngayon lang ako kumita ng ganito. Gastusin natin sa ganito ganyan kasi minsan lang tayo may pera baka next month wala na to. So i think yun yung difference niya na. One is out of intention. The other one is fear na. Baka hindi na ulit kumita ng ganito kalaki baka next month iba na. So yun yung difference niya for me. Speaker 1 I think i see, so it helps to catch yourself sometimes kasi yun din yung conversation about it. Eh di ba parang abundance ganyan but then there there are many there. There's like a lot of new ones to it also and it can go there but the difference lang is in the way you look at it and the why and the intention. Okay, i love that. Thank you so much for walking us through that. All your choices actually now. Typically in the podcast kasi i would ask a paano kung question na related sa ating main topic which i would ask my guests like to answer based on their experience. Pero since hindi pa actually masyado napag uusapan ang lifestyle inflation since ano mas pinag uusapan yung pag increase and stuff like that? Ah at hindi pa siya masyadong napag uusapan. I don't have a specific question about that pero nung nag scroll ako sa aking kaban ng mga questions, i did find this one question that might be something that you could answer it. I'm super curious to hear from your experience bilang isang tao na naging o f w as well. So we have this question from jojo, paano kung first time mong mag ibang bansa to work? Hi ate joel so first time ko pong umalis ng bansang sinilangan ko and to work ah in the states been here for a month na and i really miss being home lalo na may dads cooking cause food here is not as great as my dad's still adjusting the things here. Sobrang culture shock sa lahat ng nangyayari i do wanna make friends or some makuwenta. Ces so that i have someone to talk to or hang out with, but the problem is, i'm an ambivert, i don't know or i'm shy to interact with other people or even approached them sometimes. Can you give tips or advice that i could do? Kasi gusto ko na ng may kausap at ka chismisan and i'm at the point na naaawa ako sa sarili ko. I'm used naman to being alone especially when i go out pero this time parang it's just different and it's saddens me. Thank you po so much been listening since day twenty. Take care always, thank you now we are outsourcing this question bilang hindi ko naman masasagot bilang hindi ako naging o f w. So thank you. What can you suggest? Speaker 2 First nakakatuwa kasi may parang na mention niya don na okay siya na mag isa lang siya and strength kasi yun kapag o f w kay dahil most of the time talaga mag isa ka mahirap para sa mga social butterfly mag abroad kasi imagine dito sa pilipinas magsimula ka lang ng panibagong trabaho. Ang hirap na di ba? What more kung dadalhin ka sa ibang bansa na pag uwi mo hindi mo rin kilala yung mga kasama mo. Speaker 1 Pero ano tayo dun sa community? Speaker 2 Eh. Sinabi ko rin daw yun sa friend ko na very maka community kasi ang mga pilipino. So that's somewhere. We tried talaga kapag merong mga kakilala ka chikahan. So i get that and napagdaanan ko din siya before um i told you earlier di ba na minsan isang linggo wala akong kausap ang lungkot talaga. So for me ang ginawa ko personally as i went to places na interested ako and where the conversation is already happening. So for example, first you can start sa workplace mo. So kung meron ka naman na don na makakilala nakakatrabaho mo. Nakakatsikahan mo. Start there build up. Start communicating with them. Start seeing kung sino dun yung makaka jive mo kaya para mas madali for you and same kayo ng schedule di ba? And then on the other hand, pwede rin naman sa filipino community ang mga pilipino. Madalas yan kahit saang ibang bansa ka mapunta may community. Speaker 1 Basta may filipino community all is. Speaker 2 Eh kahit saan naman may pilipino di ba? So start searching online social media usually may mga communities sila diyan na where nagmi meet sila every weekend tapos yung mga activities nilang ginagawa kapag. Ah independence day natin may mga pagganap yan sila. So try there. I'm sure may mami meet ka na mga kapwa mong pilipino or kung wala pa din try mo din yung activities if interested ka sa um gym, sa pagpunta sa gym, mga gym activities gusto ko mag zumba. Try mo din yung mga ganoong community baka may ma meet ka din na like minded people na makaka jive mo at makakausap mo kapag medyo dahon. Speaker 1 Ka put yourself out there kumbaga and kasi marami namang tao and i think. I guess if you just put out the energy na, you're ready to meet people go, pero. Speaker 2 Very important din yon na maramdaman nila na willing ka kasi minsan hindi nagre reflect eh gusto mo ng ka chikahan gusto mo ng kaibigan pero nahihiya tayo mga pilipino mahiya eh di ba? So dapat maging visible din na interested ka to connect with other people. Speaker 1 And i mean you, you met your husband as well, right abroad in in multa as well, right? Was that through like a common friend or very meet cute moment? Ganon. Speaker 2 Common friend so yung friend ko na na mention ko earlier na nag invite sakin. Sa malta mag magkaibigan na sila. So doon ko naman siya na. Speaker 1 Meet wow grabe naman tong bestfriend na to. Fight the best friend na tinulungan ka sa career mo pati na rin sa love. Speaker 2 Life di ba hindi na natin ile let go yung mga ganyang friendship? Speaker 1 Okay, so these are helpful tips and talaga namang hindi mawawala yung culture shock. But i guess and o f w life it is not for the weak. Some people don't even have that choice. Parang out of necessity dun talaga um but if the if the opportunity presents itself then grab. It and it's already there. What would you do? How would you manage the days na nagke crave ka ng mga specific ito? Parang ganito yung cooking ng dad ng tatay or that na na miss mo ba yung luto ni lola ganun when you were working? Speaker 2 Problema ko yun kasi nung nag abroad ako hindi ako marunong magluto tapos nag pandemic sa sarado lahat ng restaurant. So i had to learn how to cook filipino food na kailangan talagang ma diskarte ka kasi yun yung kalaban mo pag nasa abroad kaya yung homesickness. So you have to learn how to cook sinigang adobo kasi yun yung craving natin. Madalas pag nasa abroad tayo so yun nakatulong din naman siya sa boredom kasi nag start akong mag aral ng pano magluto online maging resourceful so hindi siya totally magiging kalasa ng mga pilipino food na luto na ang dad mo pero somehow mababawasan yung home sickness. Speaker 1 Or, and i think that's a nice opportunity din to connect. No? If i may add to that parang oo learn. And hindi kasi ako nagluluto as a non cooker rest but obviously kung wala ka ng choice gagawin mo and what would be a nice opportunity pag namimiss mo yung dad mo is tawagan mo siya and have him like help you cook and walk you through the recipe and like that's a way to bond overseas din di. Speaker 2 Ba ganun din ako sa mom ko before maya't maya maya hindi parang hindi ganito yung luto mo ma iba. So tawag ako sa kanya video call kami so ito na ilagay mo na exp ganyan so it's a nice so cute way to bond with your parents. Speaker 1 Din the most out of foods available sa technology. Speaker 2 And they appreciate din naman eh yung maramdaman nila na kailangan mo sila. They do appreciate that so wag kang mahiya magtanong hindi yun pabigat or pakiramdam mo na aabroad abroad ka dapat independent ka. So if you need help dapat matuto ka ring mag reach out diba? Mahirap siya sa iba pero. Speaker 1 Gutom ka babalik ka sa intensyon mo. Gusto mo ng masarap na sinigang na kalasa eh di go magtanong ka. Speaker 2 Humingi kakilala tanong eh di. Speaker 1 Ba love that hay paano kung sumusobra na ang lahat? You said that this isn't like you. Don't plan naman to do this for the rest of your life. No so asan ka na sa journey mo? With this goal in mind, parang meron. Meron ka bang timeline na sinet or may mga certain okay pag na ano ko na to? Okay back to ano na tayo? Mas lose na natin. Speaker 2 Ganun wala naman akong sinet na timeline. Ang gusto ko lang right now is ma achieve ko yung mga financial goals ko kasi for the year twenty twenty six syempre meron tayong financial goal and for as long as hindi ko pa siya na achieve, i think gagawin ko yung lifestyle deflation and i as long as nag naka align pa siya sa goal ko right now kasi minsan um if you feel like it doesn't align din naman with your goals and life, then there's no need for you to do it. Ang pinaka importante doon is yun nga intentionality para hindi mo maramdaman na bakit ko ba to ginagawa kung wala ka namang purpose behind it, mahirap siya i sustain. So for me. As long as. Pwede ko siyang as long as ah hindi ko pa na achieve yung goal na yun. Gagawin ko sya. Speaker 1 Okay ah, is there a set of parang questions na binabalik mo sa na binabalikan mo sa sarili mo? Barang to check where you're at if and then making like this major decisions ganyan or when you have to let go of certain things. Speaker 2 Questions. Speaker 1 Na tinatanong mo sa sarili mo. Speaker 2 Lagi kong ina audit yung sarili ko okay so on a monthly basis na share ko na rin to online na meron akong planner wherein jina jack down ko talaga dun yung mga expenses ko. And. On a monthly basis din at the end of the month i audit myself. Kung aligned ba siya sa long term goal ko so parang nakikita ko kung tama ba yung sine save ko ng amount. Tama ba na nagde deflate ako ng lifestyle ko? So i do that by auditing myself din hindi naman ganun ka restricted na maya't maya nag shutdown ka ng gastos mo pero just enough data for you to check kung tama ba yung ginagawa mo kung naka align ba siya sa year end goal mo so that's what i. Speaker 1 Do, what are you? What are things you check? Would dun sa audit na yan no monthly audit na. Speaker 2 If monthly expenses ko yung rent. Groceries bills tapos yung joy fund din yung mga gastos ko when it comes to ah meeting with friends gala coffee with them. So yung mga yon as much as possible din na jack town ko sila or at least i have an idea kung magkano yung na spend ko. Speaker 1 And then kung sumosobra parang nag aadjust ka ba in the next month? Speaker 2 Ganun adjust ko siya the following month. So pag napansin ko na parang masyado yata tayong nag enjoy sa shopping or sa coffee dates so ilessen ko muna yon the following month. So ganun ko lang sya ginagawa. Parang recalibrate thing lang na. Sobra tayo this month when it comes to this category next month. Ayusin natin. Speaker 1 Are there things that you also still constantly tried to let go of or na or generally parang yung meron ka ngayon, yun na yun sa ngayon. This is all i need and it's enough. Speaker 2 Ganon rent na naayos ko na yun nga parang na nasa stabilize ko naman na. So i think okay naman na ako right now um basta maging consistent lang ako. Wag lang babalik ulit sa online shopping and stuff like that. Yung overspending sa mga bagay that doesn't align with my goals. I so ganun ko siya ginagawa. Speaker 1 Paano kung gusto kong i deflate ang lifestyle ko? Where should i start? Speaker 2 Hm i think ah start dwin start din with an audit. Check mo kung san ba sa buhay mo yung parang pakiramdam mo masyadong mabigat for you. So for example i mention earlier, hindi lang naman siya about finance so kung pakiramdam mo masyadong mabigat when it comes to um. Yun nga yung social life mo yung pakikipag socialize mo. Yung schedule mo yung rent mo or yung shopping mo so check mo kung saan category ka. Pwedeng mag adjust ang. Speaker 1 Dami. Speaker 2 Sobra so hindi kailangan sabay sabay. You can start with just one and see how it works for you. Tignan mo kung makakatulong ba siya sayo the following month kasi hindi naman lahat mag apply hindi laman lahat magwo work. Di ba pwedeng sabihin natin na ginawa ko yung sinabi mo? Hindi naman nag work for me so i'm not saying na lahat to magso solve ng problem mo pero you can start there, you can check, you can audit yourself and see kung saan ka pwedeng mag adjust. Saan ka pwedeng mag deflate? Speaker 1 And when it comes to auditing na when you call this auditing, it feels like ano eh parang a foreign word it for some people din na ano? What does that mean? You sit down and right things like, do you have a white board? Ganyan tas inaano mo siya vini visualize mo or pinagmumuni han mo lang sya tas si jino journal. Speaker 2 Journal journal ako and then meron akong tracker ng expenses ko so naka um nakalagay na dun yung mga categories ng mga gastusin ko. So ano monthly basis meron ng category for rent bills um. Joy fund and everything else na ginagastos ko every month tapos it only takes me half an hour to do it dahil oo kasi para baka naman isipin ng iba ay grabe. Very tedious naman kasi everyday kailangan mong i shoot. Speaker 1 Yung feels overwhelming kasi to say parang ino audit ko yung mga bagay. But if you say na thirty minutes lang ng araw ang na a lot mo. Speaker 2 Hindi naman kailangang ah every detail ng gastusin mo eh micro check mo kung saan ba napunta yung peso ko so as long as. Na nakikita mo naman may general idea ka kung saan napupunta yung pera mo. That should be okay. Okay, doesn't have to be super. Tedious na. Speaker 1 Full kasi some people i've heard parang when they think about like listing down every expense merong mga tao parang down to the last centavo which obviously pwede niyo namang gawin kung yun yung calling kung kaya ng grade nyo. Pero kung hindi kaya parang just at least writing something done versus completely being in the dark noh and not knowing where everything goes noh. Speaker 2 And ngayon kasi madali na sya dahil lahat naman nasa phone na. Pwedeng technically hindi mo siya kailangan alalahanin. So kung nakalimutan mo man sya ay jot down for this week. You can always check your app di ba kung saan ba ako gumastos this week ito? So ganon lang hindi kailangang um komplikado uhin yung mga bagay bagay. Speaker 1 Kung hindi ka man yung tao na parang every time right agad pwedeng balikan. Ano nga ba yung transaction statement ganyan so gamitin na rin ang technology might as well even ano kahit yung mga pictures lang ano ba tong ano na to? Ano ba tong charge na to papunta puntang gallery out pumunta tayo dito ito yun. Speaker 2 Di ba? Kaysa yung mas mahirap kasi yung hindi mo alam kung saan napupunta yung pera mo. Nagulat ka na lang parang ang laki ng gastos ko don di ba? Speaker 1 Ang hate ko when i cause i'm very diligent with writing down kung ano yung expenses ko pero may mga few times bilang sa kamay yung parang ano to least naman na lang kung magkano man yun kung di mo alam kung ano yun. Pero basta ginastos mo lumabas siya sa wallet mo. I love that um what are things? Ah so if anyone is listening tas gusto niyang i deflate ang lifestyle niya ah you mentioned. Being clear with the goal. Bakit ba bakit kailangan mag deflate muna kasi kailangan malinaw hindi lang para magde deflate ka lang tas parang ano lang para makatipid well per para makatipid that is one why either to save up for something big to maybe lessen muna the expenses for emergency fund or kung ano man and then starting with the kind of re capping kind of starting with where it feels heavy noh kung saan man nakakaramdam ng parang ah overwhelmed and so masobra and listing down and auditing. Monthly if not weekly kung ano man ang nagwo work sa rythm ninyo ano? What would you suggest? Ah the people should not do. Speaker 2 When the plating. Speaker 1 Their starting. Speaker 2 Oo, i think doing everything at the same time when you start to audit your life. Tapos napansin mo na pano yun kapag mabigat yung bills ko tapos mabigat din yung sa family namin tapos mabigat din yung shopping addiction. Speaker 1 Ko naman talaga. Speaker 2 Yun happens i think ma ooverwhelm ka kasi kapag lahat yung sinabay sabay mo na ideflate kasi ang laking change namin sa buhay mo. So i would recommend na don't do that to start with just one parang. Speaker 1 Pag nagda diet ka lang no tapos tatanggalin mo lahat to one meal a day ka lang. Speaker 2 Ganon, and if you catch yourself na parang hindi yata ako nakakasunod dun sa goal ko. Always go back to your intention din na bakit ko ba to ginagawa? So ayun lang para lang hindi tayo um magsimula ng isang bagay na hindi naman natin kayang ituloy tuloy. Dapat may intensyon talaga and don't do everything at the same time. Don't deflate everything at the same time. Speaker 1 That's a great reminder. Ah ano yang advice mo for people who may feel bad about having less or may tendency to compare with other people? Na oh sya kami ganito ganyan tas parang ako kailangan ko munang tiis dito and it feels it can't feel bad sometimes, right? Speaker 2 Pero isa yun sa mga bagay that i had to unlearn din kasi ang hirap na mas mararamdaman mo talaga na you have less if you keep comparing yourself sa ibang tao kasi of course lagi kang may makikita na mas okay kaysa sayo. Mas mayaman kaysa sayo. Mas successful kaysa sayo mas matalino kaysa sayo so mahihirapan ka lang mag keep up so i would always compare myself sa sarili ko din kaysa sa iba para lang hindi ako mahirapan at hindi ko maisip na i have less kasi i understand what i'm why i'm doing that. Bakit ko dine deflate yung buhay ko kasi ito yung goal ko, ito yung intention ko behind it rather than comparing it with other people na hindi mo naman alam kung ano yung financial stability na meron sila. Ano yung financial status nila? Di ba mahirap mag compare dahil kung ang comparison mo lang ay base sa social media hindi mo naman alam kung totoo talaga yon. Alam mo naman natin these days. Speaker 1 Then sometimes you can look at people with these halls pero hindi naman pala sa kanila o di kaya its fake or di kaya one soured, sponsored or ah. They have a lot of death. They have accumulated a lot of death which is also another nightmare on its own. So tama naman that it's always best to go back to ah to what your goal is no pero so it's still happens. Na nangyayari pa rin ba in your life na minsan nalulungkot ka sa parang gusto ko mag ganito or parang may mga ganung. Speaker 2 Mabilis pa rin naman talaga. Perfect na parang okay nag deflate siya ng lifestyle niya. Perfect na. May mga times pa rin naman na ganun when especially when it comes to traveling. Ako kasi na enjoy ko talaga siya. That's something that i love doing with my husband and right now, nilimit ko siya ng three times a year na lang. Dati kasi grabe talaga ako kapag maisip sale uy tara book tayo. Tara gala tayo kahit na. Meron ka ng naka book na tatlo so umabot din ako sa ganung point and yes minsan nakakafrustrate din kasi gusto mo na kapag may seat sale gusto mo rin mag pook. Gusto mo ring mag travel pero ayun nga you always have to go back to recent the reasoning behind it eh bakit mo siya ginagawa? Speaker 1 And the fact that it's not like forever din. Parang there's always that bigger goal that's very like that will be worth it because pinili mo din naman yung goal na yun. Ideally, no choice mo naman yung goal na yun so parang i think as someone who is in the travel area then and then i'm planning a big trip now if i'm like. Ah hindi ako maka book ng mga biglaan kasi i have this picture pero may mga ganun na parang hindi but it's for that bigger trip that you're planning out so it should be. Parang pang balance lang but i appreciate that you're also saying that it's not perfect. Syempre may mga panahon na parang. Speaker 2 Oo lalo na kapag pakiramdam mo pagod na pagod ka na gusto mo namang i reward yung sarili mo di ba? So may mga times pa rin naman na ganun and kaya nga ako may joy fund kasi gusto ko na pag dumating yung mga ganung pag nagre relax tayo na ganun pagkukunan tayo ng pera kasi hindi naman perfect na. Parang dahil na sustain mo na yung ganoong lifestyle. Hindi ka na gagastos ng biglaan. May mga panahon pa rin talaga na ganon ang importante, mas kontrolado mo na siya ngayon. Di ba may control ka na sa money mo kung pano mo sya gagastusin kung saan mo siya ina allocate. Speaker 1 I love how about this conversation. We have just been basically going back to the reason why you're doing it. The intention behind it, that big, important goal. So i think in in choosing a goal noh, parang it's really. It has to be something na gusto mo for yourself. No, not because sinabi ng society at ng ibang tao. No parang yun yung kailangan natin i underline because it's not easy as nice as it is. Parang when you talk about it online and you know that may mga maraming tips that have been very helpful but there will be days na kalaban mo. Pinaka kalaban mo ang sarili mo na parang gusto ko to. But if you go back to the why then it will always bring you back towards the. Speaker 2 Direction, and that's not for everyone. Parang hindi naman lahat applicable yung ganong strategy ng pagde deflate ng lifestyle kasi yung iba they tried talaga sa ibang process. So kanya kanya rin lang naman talaga yan and depende sa kung anong strategy yung magwowork sayo para ma achieve mo yung goals mo. Speaker 1 Love it. That's the beauty of options and having people like you online to share their unique journey. So yeah, if if it's your first time coming across this ah lifestyle choice and you wanna hear more, where can our listeners find you online? Speaker 2 Um, so you can follow me on social media, i have a youtube channel and i'm on tiktok and instagram. Just be very careful on tiktok and instagram kasi ang daming fake accounts right now. I also wanted to address that kasi laging may nagme message sakin na jane you also have this account. Alin ba dito yung ifa follow so just be careful so make sure po na yung fina follow niyo is jane wonders j e and j a and e j u a n d e r s kasi nagki create sila ng account fake accounts and then magme message nila dun sa mga followers na nagco comment asking for money. So medyo nakakatakot. Speaker 1 Be wise with that as well. You also have some digital products din no, i'm so i've seen. Speaker 2 And i have an upcoming digital product na ilalaunch ko soon it's ah balikbayan guide, so it's something that's very useful sa mga balikbayan natin na gustong umuwi ng pilipinas pero nahihirapan sila. Pano planuhin kasi yun lagi yung tanong sakin, magkano ba dapat? Kailan ako dapat mag start mag plan? So kinompile ko na po siya sa isang guide that i'll be sharing soon. Hopefully next month. Speaker 1 Ayan very you go and. As usual naman, a lot of the guests we have is a treasure trove of information. If this lifestyle resonates with you and there's something, there's a big goal na you wanna work towards, then it helps to know that you're not alone. Jane is here as the as she shares her story. What's worked and then you can find also the formula that would work for you as well. Maraming salamat jane sa kwentuhan today and you did it. Speaker 2 Despite the kaba did it. Thank you. Speaker 1 So much maraming salamat sa but yes this is where we aim for now. How are we feeling na inspire but tayo i mean. March na pag makikita nya na to and not january but you know we could always start. I hope it's giving you an inspiration to take time to sit down and audit your life. Kung hindi niyo pa nagagawa this first two months. Ah. If you want more of these conversations, comment kayo. Kung may questions kayo, comment lang kayo dyan and syempre for more deep dives on the topic and to see where jane is sa journey nya, you can follow her at jane wonders everywhere i'm at joel. Oh well too, but thank you so much for being here. Kwentuhan ulit tayo soon. Always remember may kasama ka lagi sa paghanap ng mga sagot sa mga paano kung sa buhay you are valid, you are growing into different seasons. Sometimes you have to let go to create space for all these new things and experiences coming into your life. It's all part of the kind of life and the kind of love you want and that you always deserve. The opinions of podcast creators, hosts and guests are not necessarily reflective of the official stand of the pod network entertainment, its host or other network programs. The content created by the people behind the podcast is personal and not meant to harm any religion of listening, group, organization, company or individual.