Mga Mali Namin Sa Canada - these will make or break you

[@notyourbestie]

Overall, run the numbers mga kabayan. Most of the mistakes are financial na napag usapan dito sa video. To avoid them, run the numbers instead pairalin yung gusto. Here or sa pilipinas, you cannot just have whatever you want ng ganun nalang. Wag masisilaw, wag lang bastang sunod sa trend or dahil yung kasabayan nating dumating may ganto or ganyan na. We have to be wise where we put our money since hindi biro ang mag work. Di nag ffall ang cad from the maple tree guys 😂. And when I say wise, di naman din ibig sabihin wag ienjoy ang sarili. Live within your means. Kung mas fancy ang gusto, edi mas mag work hindi isstretch yung credit. Love you all!

[@reflectionswithrowena]

Tumpak! Thank you for your valuable input. This is so helpful!

[@lah_bang2179]

SUBRANG WEAK ANG EMOTIONAL CONTROL NG KARAMIHANG PILIPINO - YONG SINASABING “PARANG NAKATIKIM NG KUNG ANO”. IILAN ANG KAYANG ICONTROL ANG TEMTASYON OR EMOTION! KAYA NGANGA! OK LANG KUNG KAYA EH, AKO MARAMI AKONG UTANG PERO KAYANG BAYARAN AT YONG UTANG NA YUN… INVESTMENT KASI NO CHOICE WALA AKONG MILYON UP FRONT! Bought a house hindi ko kayang i-cash ang bahay lol kaya may mortgage pero need maging smart, kaya i rent to international student. Sa location ng pagbili ng bahay was planned to para makapagpa-rent at hindi mabigat ang gastos. Credit card is for emergency and to build your credit score (proof mo na ikaw ay good payer para in case bumili ka ng bahay or sasakyan na hindi kayang i-cash, kailangan talaga proof na credit score. Sa taxes naman… oh well, no choice kailangan magbayad ng taxes, ok lang na magbayad ng taxes kasi may services naman kesa Pinas na walang balik sa tao halos ang taxes ughhh! I just hope na hindi aabutin ng 60 ang edad bago magising! Good job kabayan for explaining all these! Keep it up!

[@ireneminoncia3826]

I totally agree!!

[@TeresitaSaleina]

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[@DeliaGatan]

Thank you po s mga tips na shinare nuo at keast msy mga nstutunan mga kspatid n magaabroad

[@gemmatransfiguracion4402]

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.

[@emgedzcanada]

Nasa tamang direction pala kami. sardinas at itlog lang with dahon ng spinach ok na. and nasa room (800 for couple) lang nakatira which is napakalaking save compare sa apartment or condo. kumuha man ng sasakyan (320 by weekly) na nagagamit namin sa work at car insurance (270) groceries for 1 month 500 with 50 pang gas na yun kaya parin dahil 1900 a month lang ung gastos namin all in. at lease ung 1900 with car and insurace na compare sa naka condo na nagbabayad ng 1500 monthly para lang sa bahay. Nasa tao lang din tlaga kung panu magcocontrol ng budget.

[@OmiTzukiyono]

Best advise for all the people that come here in canada, on top of everything she explained is to make sure all the relatives know na di pa kayo settled to help them for at least 8 years. Mahirap tumulong kung kayo din e naghihirap. Also have a mindset to treat your credit card as Cash on Hand. if there is no cash do not use it.

[@reflectionswithrowena]

Yes, definitely! Isa din to nakakahila pababa pag wala kang extra pero expected ka magpadala buwan².

[@ßhopkins]

May tanong lang ako sa ilang mga OFWs, sis. Bakit laging issue yung sustento sa pamilya sa Pilipinas tapos may panunumbat? riba you control your finances? Diba may right naman kayo na tumanggi? Diba may option naman kayo to SET YOUR LIMITATIONS AND BOUNDARIES na parang " hanggang dito lang ang kaya ko itulong. Period!" Lagi ko kasi ito naririnig sa OFWs. and I always wonder why. Kasi nagsusustento namn ako pero i make sure im in full control. Hind ko kasi pwede isisi yun sa kultura sa Pilipinas na palaasa dahil ACCOUNTABLE AKO SA PERA KO. at di ko maatim na tumulong na labag sa kalooban ko. Pako explain po.

[@UKRN85]

Thank you for sharing this video Rowena. Financial Literacy is key kahit san po tayo. 🇦🇪🇬🇧🇵🇭

[@GondiZalvus]

Kabayan, Thank You for the real talk for our Kababayans. We who have really experienced life in North America, know the truth. Too many vloggers, put emphasis on how this person succeeded and vlog about them, without letting those people tell the mistakes, the negatives that happened in their lives. Especially those vloggers who are practically new in Canada. Canada is not a Bed of Roses(without thorns). What you do is a great service to people. You are telling the truth and this sets many people free, because they get to prevent such mistakes from happening to them. Obviously, they have their free will, if they still do such things, well…Anyway, you are also like Kuya Puto on his channel(Pinoy who has been in Canada for at least several decades). He tells the truth about Canada, the good, the bad, the ugly, and does not hold back his punches. God Bless You.

[@reflectionswithrowena]

My pleasure po. Thank you sa napakagandang comment. I appreciate it.

[@ramosfamilyvlogs1093]

nice share! I am also here Canada. Life is tough here but if we spend what you only have then should be fine and if you want to save, higpit pa ng sinturon.

[@leonoralao4164]

Always have a realistic budget, wag na muna mag dine out para makatipid at mag baon sa school at work. That’s how we survived with 2 kids, living here in Toronto for 30+ years

[@emelpa6323]

Thank you for sharing at reminder to lalo bago ako magiging OFW hindi man sa canda pero applicable talaga to. God bless maam

[@bucudfamily7423]

I don't even live in Canada but this video helped me. Now praying to do this financial planning for our family too. Thank you so much po.

[@reflectionswithrowena]

You can do it! 😊

[@emiangantobala3047]

kahit san ka kung malohu kasa bawat pamumuhay mo, hinde ka talaga aahon sa buhay...

[@Maryann0207]

Thank u for sharing sissy its really helpful po talaga.At totoo talaga dapat alamain ang dapat alamin.

[@mimiweepinay]

This is so true sis dito rin sa USA ang sahod nmin mostly sa bills lng napupunta.

[@KairrahNicole]

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!

[@reflectionswithrowena]

Thank you, Kairrah. God bless you, too.

[@Cha-lc2mn]

Kelangan talaga proper budgeting. At saka don’t buy unnecessary things. Ang mentality ko is being a minimalist. Like dalawa lang ang paa ko so I don’t need 10 pairs of shoes. Isa lang katawan ko so I don’t need tons of clothes. Huwag maging hoarder. Ang importante yung basic needs provided for.

[@reflectionswithrowena]

This makes sense. 👌

[@maloudelosreyes661]

Wow.. One of the best comments.. You're 100% right... Hoarding is one main culprit of bankruptcies... And its a real addiction.. Especially bolstered by soc media "influencers"

[@Rosie_0878]

Very nice insights

[@floridaaguada4216]

Thanks ❤my mga relatives din ako jan,Di sila maluho.thanks gor sharing❤😊

[@ghurlthatrocks]

same goes here sa US!! love the transparency, I made the same mistakes din

[@stayingstronger]

Wow, kabayan natapos ko talagang pakinggan ang video mo. Thanks for the insights on your reflections. What can i say?? Saang lupalop ng mundo man tayo dalhin ng kapalaran always stick to our main goal na mapaayos ang situation natin sa buhay, open minds and eyes to the real world around us, learn the trade, save money and let it multiply/grow, be healthy don't be materialistic, help family back home (not too much that you end up borrowing money that you can't afford to pay) invest in something that appreciates in value overtime. While doing all these, treat people around you especially kabayans with respect, humility and care. ❤

[@dancedricarevalo5326]

Great job and love the focus on financial literacy. If you're a viewer and have no intention to move to Canada, all these info are still valid and applicable in your life

[@reflectionswithrowena]

Thank you, Cedric!

[@Aries-q4i]

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 😊

[@roxyroxy9860]

Galing ako sa middle east ...malaki expenses ko sa food halos wala matira kahit free accomodation ako and transport...i can say malaki na save ko dto sa canada...as of now minimum ako...for me tipid is the key kahit san bansa ka...bumili k lng ng kelangan mo at mauubos mo...

[@aalberto4961]

I totally agree with you!! Thank you for sharing this good information to others.. great video 👍👍..

[@BiancaOnabis]

Great point about the credit card.

[@imeldageneroso8369]

Dito rin sa US pareho lang . Okay lang maraming utang but living like a king and a queen. Life is always a choice .

[@_melodyy.b]

very informative and relate ako sa magsave for emergency pra sa pamilya sa pilipinas lalo sa mga parents and mga kapatid na need talaga magbigay.

[@AninaSabry]

save for urself & secure po dapat na maging stable ka para for the long run meron ka masasabi na sayo wag din bigay ng bigay lahat na wala sayo matira kasi pano pag ikaw na ang may need then sila walang ma i give back sayo??? may cases na mga ganyan na kahit gano ka generous ka sa family mo thenpag ikaw na may need di kaya mag giveback so san ka pupulutin???

[@Anabanana868]

I appreciate all your sharings.❤

[@sydmarte4682]

Tama yang advice madam...

[@fathersjoy1934]

Hi po! 2 months pa lang po ako here in Ca and napangalanan ko ang Ca (for me) as "the land of reflections" kasi andamidami kong reflections here. The good thing about it is may opportunity pa ako to do something about those realizations. Student here and have a job on the side, too. I appreciate real talks like this from someone who's been here for quite a while. Vlog on po...Here in SK din.

[@reflectionswithrowena]

Hello! Welcome po to Canada! I'm glad that you found my channel. If you need guidance on anything, ask away. 🥰

[@finaflorsalamanca3211]

I am a conservative regarding to my finances that's why i am ok here.i am wise spending.

[@lah_bang2179]

SA MGA IMIGRANTE… makikita mo mga Pinoy ang thinking pag kumuha ng car eh yong pang-SHOW, pang yabang! Ngeks! Ako i bought a used car, tapos cheap na brand - pag nagge-get together, parang ako yong below minimum ang sahod base sa mga naka-parada na sasakyan. Pero nakakatawa kasi ako lang may bahay at may farm sa Pinas sa kanila. Not bragging pero iba ang priority ng maraming kabayan kasi. After 13 yrs kailangan ko na palitan yong 2nd hand car, gusto ko pick up na maliit para maayoa ko yong garden oasis ko sa likod ng bahay. Kaya ko naman bumili ng mamahalin kasi ok naman ang work pero bakit ako bibili ng mamahalin? Pang-show? Hehe sabi kasi ng tatay namin, yong pa-show off, yun actually walang pera.

[@juvydijamco1536]

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.

[@triplevhome]

Nice to share your experience po. at least meron guide po yung bago. new subbie po.🙏🏼

[@reflectionswithrowena]

Thank you, Cindy!

[@drawde3838]

Totoo kasi yung sinasabi na "The more you earn the more you spend" importante talaga marunong kang mag budget.

[@lynnsierra3187]

Thanks sis, appreciate all your inputs. Nasa pinas lang ako ha, and very relate na ako jan. hehe.

[@reflectionswithrowena]

Thank you sis!

[@brianbriones7180]

Kaya habang nasa pinas pa dapat mag research maiigi..hindi nyo titignan yung maranyang buhay ng mga tao na nsa canada na..yung filipino mentality kasi isa dyan yung jelousy..hindi tayo makuntinto kung ano meron tayo..dapat hindi padalos dalos yung desisyon..for me canada is not the answer to have a better life most of the times yung character and attitude natin towards life goals

[@reflectionswithrowena]

I agree!

[@riafeniza6431]

So true...wala talaga sweldo, nasa pagbbudget. Thankful ako na same kami ng mentality ng partner ko. We are in our 40's and able to have 3 rental building and a house. Parehas kami ng mindset, never buy a new car, walang luho. We make sure na we take vacation once a year, yon lang luho namin. Hopefully, we can retire at 55 years old.

[@reflectionswithrowena]

Love this for you! 🥰

[@SUBANENTRIBE]

Madami ako kaibigan nasa canada na iba d kona alam saan na iba nman parang ayos na ayus ang life.they neveer say na nag hihirap sila hehhe.siguro nhihiya.but one of my friend sabi wag nadaw ako sumonod sa knya.mag save nlng daw ako sa hk.

[@blairmosquito3605]

Thanks for the info..

[@furherurher3217]

Yung pag nag overtime ka sa tax mapupunta is based on if you earn more you might belong to the higher bracket. Progressive ang tax but if you belong to 20% bracket then nag over time ka baka yung total income mo hindi na belong sa bracket na 20% but sa 24% or 32%.

[@allanatinado1383]

Sqlamat sa info kabayan.

[@KiaNgan-ni9ud]

Additional tips: pag may work na kayo lalo na sa mga nasa health care: pag sumahod na kayo, punta lang kayo sa HR ask nyo kung may RRSP ang company. Tas mag apply kayo dun. Kasi Ang RRSP ay isang additional savings yun for the future. 2. Maximise your TFSA, pag di nyo maintindihan go to your bank ask about it. Nasa website namn yun eh. Additional personal savings din in case of emergency. 3. True yun mag ipon kayo kahit 2k sa account nyo for emergency sa Pinas. 4. Live within your means... ilang beses na sinasabi ito sa karamihan sa mga kabayan dito sa Canada matagal man or baguhan. Mahirap kasi mayabang bang. Utang ang bagsak pag di nagtipid. 5. Car : aside from the car payment never forget the insurance too. Plus gas thus if you have access to public transpo. Laking tipid po.

[@reflectionswithrowena]

This is valuable. Thank you for your input!

[@BigWide3297]

Ty ❤

[@jonglyneful]

You can invest part of your money through life insurance policy accumulation ang rate of return.Hwag nyo hayaan na matulog ang pera nyo sa bank na di naka invest ng tama.Invest in higher risk but and better rate of return.Because everyday in our life is a risk todo na natin.

[@AnotandMelot]

Thank you so much Ma'am for the informative information.

[@reflectionswithrowena]

My pleasure. Thank you for watching.

[@beck_realtruth]

Sa mga new comers po talagang mahirap mag decipline regarding sa personal finance kasi sa Pilipinas mostly sa atin we rely sa mga rich and other family member to pay for their own lifestyle and expenses 😊Lalo na kung rich ang magulang na spoil ka nila kaya mahirap to face the reality sa ibang bansa na tayo lahat ay responsible sa expenses natin.I really love your valuable content sana all ma realize din nila how to manage their lifestyle at huwag masyadong flex lang ng flex online 😊

[@reflectionswithrowena]

This is so true! Thank you for your input po. I appreciate it.

[@beck_realtruth]

@@reflectionswithrowena thank you din po for sharing your knowledge hard to find yong may makasakit sa kapwa 🥰more power to you 🙏

[@edzmunoz7727]

Credit Card could help you in terms of Cash Back and to increase your Credit Score. I used my Credit Card for my family's Dental and Medical transactions, then reimbursed that amount using my Insurance. So basically, we got the services for free PLUS cash back for using my Credit Card. Bottom line, it all depends on the way you look at things. Living in Ontario, Canada.

[@andymendez5252]

Thanks sa valuable info Kabayan new subscriber here.God bless

[@reflectionswithrowena]

Maraming salamat 💖

[@a_reyes1859]

I am not from Canada, pero I think halos pareho ang cost of living sa US and Canada. Like you, we used credit card din dati, but I realized that using plastic requires a lot of discipline. Ngayon, we pay everything in cash and I told my kids as well not to use a card, if they have to use it, that means they can’t afford it, then save muna sila. Sa car naman, mas maganda bumili ng slightly used vehicle and pay it within 3 years or 5 pag mahirap talaga ang 3 years. Hindi din tumataas ang value ng sasakyan, kaya ndi maganda bumili ng mahal na sadakyan. Put your money where it will grow in value, like a house. To sum it up, mas maganda cguro yung mindset na live within your means para huwag ma stress.

[@catherinecariazo8963]

I think nasa proper mindset sa pag gamit ng credit card, when you kaskas make sure meron kang pambayad next month ng whole price nun not installment. Dito sa Pinas madami ng gumagamit ng cc na may ganitong mindset. Madami kasing perks when you use credit card. Kaskas wisely lang talaga.

[@annalisagomes2743]

Thank you!

[@CindysBisvlog]

Siguru masasabi ko lucky ko at lumaki ako sa hirap na pinaaral ang sarili dahil pgdating dito abroad , ako pa nagturo sa partner ko paano mghandle ng pera .

[@charliedumalasa6381]

common sense lang, kung ano lng ang kita mo huwag sumobra ang overall expenses mo, magbudget tayo, kapag maluho tayo, magkakaproblema tayo, kmi nga d2 sa Vancouver mataas ang cost of living dito pero awa ng Diyos ok nman ang financial status namin.

[@LYZASTABLE3428]

The secret of a good life in Canada is don’t spend more than what you earn po. Kasi kahit gaano pa kalaki ang kinkita mo is not enough kung maluho ka . Get things that you needed and don’t get more than you cannot afford.

[@pauljoseph3081]

The goal is, live below your means. Work until you get your PR and become a dual citizen. Then retire back in the Philippines. When you're a dual citizen, in case na magka gulo man like gyera sa China or PH ecomy finally collapse dahil OFW at BPO's lang naman ang bumubuhat dyan, hindi rin self-sufficient ang bansa, panay imports kahit bigas, at least umabot na dun makakaalis kayo at makabalik sa Canada.

[@reflectionswithrowena]

Yes! This should be the ultimate goal! 👌

[@vernanddeguzman540]

Wow si kabayan bigtime!!!!

[@becaandbelawonders9822]

ThaNks po❤

[@eurolefty]

Learn to budget is the key. Kahit dito ka sa Canada or nasa Pinas ka. Kung talagang ayaw mo na dito, yes pwede ka na naman umuwi. Ang tanong pag uwi mo ba e mag kakaro. Ka ng mas better oppurtunity sa Pinas. Yes mahirap talaga dito sa Canada, but kahit papano e mas mataas naman quality of life dito kesa sa Pinas. So san mo gusto mahirapan, dito or sa Pinas?

[@maeliiac]

Valuable info po talaga.. Pano po mg reach out sa inyo

[@reflectionswithrowena]

Thank you! Ito po email ko: [e-mail]

[@timsuarez8044]

Free hospitalization? Parang galing din yan sa soaring taxes or health insurance canadians have to pay di ba. The housing, 1300cdn/month , tumataas ang rent annually di ba. Mahirap sa pinas, yes, mahirap naman pamumuhay all over the world. Kailangan tlga mag budget, tiis tiis😢

[@AninaSabry]

aq ung naging mistake q ung almost half ng sahod q pinapadala q sa pinas 😢 tapos on & off pa ang work ko kaya walang natitira sa akin buti lang mabait asawa q sahod q kasi is akin lang expenses sa bahay is sa kanya so ginagawa q pag may work aq nag help aq sa groceries at pay ng mga utility bills para fair naman pero at the end of the day may naririnig pa rin aq sa mga sibs q sa pinas pag di aq nakakapag bigay 😢 kaya sv q sa sarilu q Insha Allah the next time makapag work ulit aq magiging wise na q sa budgeting wag puro bigay at need q mag save na

[@reflectionswithrowena]

😥 You will be blessed, ate!

[@lillyofthevalley7937]

Always Pay yourself first! Automatic deduction set up with bank every pay day. Dont make utang!!! Buy in thrift stores! Magtipid!

[@MariaBusybunny8]

Kong hindi ka mag bibigay sa pinas kahit wla kang pera..ikaw pa masama..so, walang magawa use credit card hahahahaha..bad idea talaga..I went home 3 wks ago..i cascas my debit card 😂😂 the best feeling na may freedom ka gumastos kasi alam mo may pera ka! I love it. Yan ang reward sa sinasabi mong "save, save, save".

[@reflectionswithrowena]

Soo true!

[@ourownopinion604]

Most Immigrants bring what they are used to from wherever they come from and apply here in Canada. The problem is it doesn't work that way. Each province have different laws, and most don't know how to balance their finances.

[@LakaySigabVlog]

same here in saudi..expensive na din..new friend po

[@reflectionswithrowena]

Thank you for watching po.

[@team_h21]

Nku kabayan mas ok parin jan sa Saudi jan kmi galing 1 year na kmi dito sa Canada kung dati nkaka ipon kmi ng 150k per month nang jan pa kmi dito sa Canada wala kmi ma ipon sa sobrang mahal ng cost of living.

[@AninaSabry]

aq naman andito sa MENA region partnwr ko is lokal before like q mag punta ng UAE pero partner q ayaw nya kasi dun mahal ang cost of living tapoa dun mag start kami into scratch then mag rent pa ng hauz at least dito may own flat kami, stable sa work at ok naman sahod nya kaya i i realize na tama sya kasi kahit may inflation at recession we survive kasi we live a simple life, minimalist, di kami both maluho bilib lang din aq sa partner q kasi magaling mag save ng money aq on & off ang work so pag may work aq nag share aq sa expenses namin sa bahay then nagpapadala minsan sa family q sa pinas di kami bumibili ng hnd needed ,inuuna namin ung needs kesa wants talaga nowadays maigi talaga maging budgetwise kahit san ka pa naka base lalo pa inflation talaga mostly ngayon

[@isntthatamazing3836]

Learn the skill of contentment and you'll be happy and okay here in Shionada. Buy everything in cash. If you can not afford it through cash...then you don't need it. Simple as that.

[@furherurher3217]

Yung pag nag overtime ka sa tax mapupunta is based on if you earn more you might belong to the higher bracket. Progressive ang tax but if you belong to 20% bracket then nag over time ka baka yung total income mo hindi na belong sa bracket na 20% but sa 24% or 32%. Kaya sounds logical pa din hehe

[@reflectionswithrowena]

Yes, pero pag ganyan, baka matakot na yung iba sa tax na infact hindi pala ganun talaga. Baka $1 lang ang napasok sa next bracket. 😅

[@furherurher3217]

@@reflectionswithrowena but with nag increase na ang main bracket mo kasi na belong ka na sa next level.

[@reflectionswithrowena]

Yung $1 lang po ang ma belong sa next bracket, hindi lahat.

[@Joeym1655]

@@furherurher3217 it’s not your entire income that is taxed at the higher bracket pero Hindi bale the simple truth is someone who is in the 32% bracket has more money and lives better than someone in the 20% bracket.

[@jenefercasido3455]

No credit card for almost 14 year right here in US it’s a no no for me!!!

[@Rm-wg4ot]

Compare sa Pinas mg kakubakuba k sa trbho wlang asenso ..mababa sahod mahal din ang mga bilihin ..it means be wise always learned everything ...but still Canada is better kysa sa Pinas...

[@reflectionswithrowena]

Maganda sa Pinas pag marunong ka magnegosyo.

[@roseann565]

Sino po yung fnfollow ninyo na vlogger regarding cars? Naghahanap po kasi kami now ng car so baka makakuha po ako insightsb😊

[@reflectionswithrowena]

Si Pinoy Car Talk. Nasa facebook sya.

[@jonglyneful]

We should have financial letiracy para di tayo lugmok sa utang.Hwag natin hayaan ang pera at credit card magmanipula sa atin tayo ang master nila.Tamang financial planning kahit gaanu kaliit ang sahod kung marunong mag budget meron at meron maitatabe.Napakahirap kaya pag na NSF doble utang mo sa nagkaltas at sa bangko.

[@reflectionswithrowena]

Naka experience ako ng NSF nung bago ako dito. Dalawa pa, masaklap talaga. Easy $90. Dun ko nalaman na meron palang ganun.

[@msj3394]

1k credit limit for 1 month? Di po ba napakaliit naman nun. Ok lng na magpa increase ng credit limit up to 10k basta credit utilization is less than 25%. At bayaran whole payment every month

[@reflectionswithrowena]

It's just an example to simplify the explanation. Pero the bigger your credit limit, the bigger your exposure to more and more utang. Only a few can discipline themselves para less than 30% lang talaga ang magamit.

[@lourdesdeguzman6646]

my son is a canadian citizen na,kasama niya family nya sa canada,kino-convince niya daughter ko to go to canada & work,pero maganda at malaki na din salary ng daighter ko d2 at comfortable ang buhay,so hinde na interested daughter ko.

[@kabrasotv1017]

Better to go home dami reklamo😊

[@reflectionswithrowena]

You need to open your mind if you this video as "reklamo". Unless di mo pinanood ng buo.

[@Pidol.Chichi]

Having multiple jobs just to keep up with your basic needs is already a red flag 🚩 how can you enjoy your retirement years if you are stretched out on your younger years.. The Canadian Government is greedy..

[@reflectionswithrowena]

Indeed!

[@supermamon]

Kung papapiliin ka, kapag lumubog ang economy ng Canada, babalik ka pa rin ba sa Pilipinas? Isusuko ang PR or citizenship ng Canada? Or titiisin ang recession, economic condition at tatahimik na lang kesa magreklamo? Ang kasagutan po ay magre-reflect sa inyong behavior and decision making as matagal na sa Canada and also malaking tulong sa mga baguhan and planning na pumunta sa Canada.

[@reflectionswithrowena]

Planning should be the priority lalo na sa mga international students at tfw.

[@fritzlucero11]

Helo po. Ano ang rationale at mangyari if more than 30% ang ginamit mu sa credit limit?

[@reflectionswithrowena]

Sa overall po na credit limit kaylangan 30% or below lang ang nagamit dahil minus po sya sa credit score. Pag mababa ang credit score, mahirapan makakuha ng halimbawa bahay o sasakyan, or makakuha ka man pero malaki ang interest kasi you're considered as "risky borrower".

[@halliytetragrammaton7316]

Kaya much better kung may utang sa credit cards o anomang loan, bayaran muna bago mag apply ng new loan. If ever naman na hindi mabayaran ng buo yung balance, at least pay the minimum o bit higher than minimum on time and never miss payments.

[@AIKA-mp8bx]

thank you po sa informative content❤❤ sana po madiscuss nyo po how taxes works..and ask ko po kung worth it bang kumuha ng bahay dito sa Canada?..sana po mapansin..thank you❤

[@reflectionswithrowena]

Thank you po! Topic on taxes is definitely in my mind for content. Sa bahay naman, yes worth it pa naman in my opinion pero maraming bagay na dapat iconsider bago bumili gaya ng price, interest rate, location, status dito sa canada, financial status, etc.

[@AIKA-mp8bx]

@@reflectionswithrowena thanks po sa pagrespond..i'm looking forward and waiting for taxes din po..new subscriber here po💖💖

[@mrsmichaelz]

May tanong po ako about sa contract work pano ang pag file ng tax. Kc this year lang ako nag umpisa bali work from home ako mananahi ang work ko. Hinahatid ng boss ko ang mga pagawa nya.

[@reflectionswithrowena]

Magbibigay yung amo mo ng T4a. If hindi, that's fine, pero kailangan parin ideclare yung income mo pag magfile kana ng tax.

[@alvillanueva3953]

Wrong financial decisions are caused by emotions. Stop watching social media. Stop wanting what others have. We already have more than enough

[@reflectionswithrowena]

Accurate!

[@jinnyjavier4300]

Saan ka po sa canada?

[@reflectionswithrowena]

Saskatchewan po.

[@andrew1470]

Naumay ako kakaadvise ng ganito kasi sinasabihan akong gatekeeper. Tinatakot ko daw mga Pinoy na mag migrate.

[@reflectionswithrowena]

I feel you. Majority kasi ayaw tanggapin ang katotohanan.

[@gaia4251]

Pag wala ka, sabihij mo talagang wala kasi nkabigay ka nga inutang mo lng..ikaw din kawawa magbayad..

[@lolitabergado5247]

Kausapin ninyo mga oldtimer na marami kayong matututunan

[@AninaSabry]

kami di kami nag aavail ng credit card debit card ang sa amin tas sa bank din nag se save to avoid utang same what happened sa pinsan q sa UAE sya nag sponsor sa asawa nya then merong credit card swipe ng swipe ang asawa nya then nag hiwalay sila nalaman nya ang laki pala ng bayaran nya kasi naka name sa kanya ung credit card 😢 ending sya nag bayad ,wapakels naging partner nya

[@reflectionswithrowena]

😔

[@BiancaOnabis]

Bakit 700 Ang cp po.

[@BiancaOnabis]

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.

[@reflectionswithrowena]

Lahat na po ng utilities yung $700. Ang phone namin ay nasa $160 for both na.

[@NecktallOfficial]

@@BiancaOnabisreplay the video sis. 700 for the utilities and phone bills

[@BiancaOnabis]

@ yes I got the answer from the author.Thank you.

[@ßhopkins]

May tanong lang ako sa ilang mga OFWs, sis. Bakit laging issue yung sustento sa pamilya sa Pilipinas tapos may panunumbat? Diba you control your finances? Diba may right naman kayo na tumanggi? Diba may option naman kayo to SET YOUR LIMITATIONS AND BOUNDARIES na parang " hanggang dito lang ang kaya ko itulong. Period!" Lagi ko kasi ito naririnig sa OFWs. and I always wonder why. Kasi nagsusustento namn ako pero i make sure im in full control. Hind ko kasi pwede isisi yun sa kultura sa Pilipinas na palaasa dahil ACCOUNTABLE AKO SA PERA KO. at di ko maatim na tumulong na labag sa kalooban ko. Paki explain po.

[@reflectionswithrowena]

Everyone kasi has different levels of "boundary setting", some have barely any boundaries set. I believe because we grew up with "dapat tumulong" mindset conditioned by our society. So most OFWs tend to give even though sometimes it already feels like they're only being "loved" because of their money. Good for you for being in control. Most kababayans are overpowered by the shame and guilt they feel rooted in our cultural mindset and history of trauma.

[@ßhopkins]

@@reflectionswithrowena Thanks for the reply sis! Yes I agree. If you havent touched on this subject, magandang topic ito for your channel. Sometimes kasi hindi lang siya guilt. Baka may kasama rin na ego. And I hope you can spread the message to our kababayans na its okay to set limitations. Walang masama doon. And we shouldnt blame it on the culture. Let us be accountable sa mga decisions natin. Salamat. all the best and ingat kayo jan! 💜

[@reflectionswithrowena]

@kristinhannah001 Yes, I have this in mind, kasi. I can totally relate to this, and I have a lot to say based on my own experiences. Salamat sis! 😊

[@AninaSabry]

​@@reflectionswithrowenaung mindset din po ng kapamilya natin na pag abroad ka tas asawa ka ng foreign national ang tingin sayo is world bank 😢 kala nila di ka nakakaranas ng inflation at nawawalan ng pera or trabaho or di ka nagkaka sakit 😢 pag di mo mapa utang or mabigyan i guilt trip kana... while still u can give pa kahit without them asking or even simple hi or hello di nga magawa sayo

[@reflectionswithrowena]

This is very common. Takot na yung iba pag may nangamusta kasi alam na daw ang kasunod. 🫣

[@Joeym1655]

If you need 7 years to pay for a car you cannot afford that car

[@Chen-se4eu]

Subbed @81

[@mjventura4420]

in short wag MALUHO🙄🤨

[@jessekiac9625]

Kaya dapat isa lng credit card Kami ng wife ko isa lng card namin tska may limit kami… sa USA pala kamj nakatira kayang Kaya naman nakakasave na kami Kahit 5 months pa lmg Kami dito

[@reflectionswithrowena]

Keep your momentom po. 🫡

[@lah_bang2179]

If you’re in GTA na tax preparer, let me know, kailangan ko ng magaling na accountant. I have an accountant pero ang layo niya sa akin.

[@reflectionswithrowena]

I'm based in Saskatchewan po.

[@BiancaOnabis]

@@reflectionswithrowenahi Weng I Completed this clip,and you did this great.i hope atleast 1 Filipino will follow your lead.

[@teekbooy4467]

Hindi malaki 25$ per hour

[@reflectionswithrowena]

$15 lang po ang minimum sa SK. It's $10 more kaya malaki laki na.

[@lillyofthevalley7937]

I finished mt mortgage in 14 yrs instead of 25 yrs. You need discipline! Live below your means. No utang!

[@reflectionswithrowena]

Love this!

[@markreyes1866]

join na lang kau sa online business lol

[@RapunzelBustillos]

D ko Alam pero d mashadong useful saka on point

[@reflectionswithrowena]

Hi! You can add your own input, na you feel like significant for people to know in this comment section that others have not mentioned yet.

[@cecilleb3969]

Sis, masyado kang maluho eh, try to live simple, bawasan expenses. Then you’ll be okay. Kami hindi naman mayaman, simple lang buhay pero masaya. haha! At kumuha ka insurance at investments para. Umuwi ka na lang sa Pinas kung hindi ka masaya. Kung mistake sayo ang Canada🤣

[@reflectionswithrowena]

Gagawa po ako ng video on insurance para maliwanagan po kayo kung para saan yun. Kasi base sa comment nyo, hindi po ninyo naintindihan.

[@marvinatienza2851]

Your phone is to much 700 for 2 person my phone bills for 4 person almost 600 only

[@reflectionswithrowena]

700 po kasama na lahat ng utilities, phone included. Yung phone is nasa $150 lang sya for two people.

[@reginegracegalicia6575]

Anu pong job niyo?

[@reflectionswithrowena]

Self-employed po.

[@kpopbillionaire]

Accountant po ba kayo?

[@reflectionswithrowena]

Hindi po.

[@furherurher3217]

Ang mahal ng groceries mo. Pati utilities.

[@reflectionswithrowena]

Magkano po groceries nyo and where in Canada are you?

[@aliciabaty3242]

Wag makipagsabayan kung d mo kaya kc mababa on lng sa utang pg nd k marunong magbujet. Nganga ka tlga

[@angelzaldo3018]

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