Nag-file ng bankruptcy | Buhay Canada

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  • Опубліковано 10 лют 2025
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КОМЕНТАРІ • 71

  • @garybomvlogs4831
    @garybomvlogs4831 3 місяці тому +6

    Tips: have one credit card, do not pay minimum payment on credit card, pay your credit card on time, don’t buy more than you earned lastly don’t maximize your credit limit! I did it for 35 years ang going , I’m 66 retired with 804 credit score.

    • @lillyofthevalley7937
      @lillyofthevalley7937 2 місяці тому

      @@garybomvlogs4831 and pick a cred card with rewards. E.g. I shop for free at walmart. Use credit for points rewards and pay when you go home ASAP.
      I had free hotel and flight too from a points. The trick is not to owe a single cent that accumulates interest.

  • @denhenry124
    @denhenry124 3 місяці тому

    Binge-watching po while video editing, kahit sound sa background parang radio na din, More power po Miss Ina, and congrats for your growing followers! You deserve it!

  • @lillyofthevalley7937
    @lillyofthevalley7937 3 місяці тому +1

    Ina, your content should also focus on successful Filipino careers. There is a lot of inspiration to draw on those whose struggles and sacrifices finally enabled them to reach life goals. Those topics are relevant in this dark times, to lift up the younger generation too.
    Just a suggestion.

  • @kacesor1
    @kacesor1 3 місяці тому +5

    Living below your means involves spending less than you earn, focusing on essentials, and avoiding unnecessary debt. This approach builds financial security, allowing for more savings, investment, and flexibility. By prioritizing needs over wants, you’re better prepared for future goals, unexpected expenses, and financial independence over time.

  • @BanigNation
    @BanigNation 3 місяці тому +1

    Being a single mom with single income, finances is the first thing I learn to manage. Still debt free, managed to send my son to University and saving a little bit for retirement.

  • @KaFarmerJM
    @KaFarmerJM 3 місяці тому +1

    naka subscribe din Ako sa kanya mam Ina,daming mga tips nya na pwd i-absorb Lalo na Yung mga papasok pa lang s Canada

  • @bernadetteprego9951
    @bernadetteprego9951 Місяць тому

    LESSON LEARNED: DO NOT LIVE BEYOND YOUR MEANS!!!

  • @aimeelea77
    @aimeelea77 3 місяці тому +2

    Inuna kc mangutang for business na d nmn naiintindihan. Imbis unahin mag save pra mabayaran lahat ng utang then mag build ng emergency fund then mag save for business or mag invest. Actually ganyan dn ako dati although d nmn ako umabot sa bankrupcy, regrets lng na sana milyonarya na pla ako ngayon, char haha! Need tlaga natin na may financial literacy. It’s not always too late to learn.

    • @daisyregoita5558
      @daisyregoita5558 3 місяці тому

      Perfect mo!bravo!!

    • @aimeelea77
      @aimeelea77 3 місяці тому

      @@daisyregoita5558oh yes kaya nga relate ako sa kanya kc pinagdaanan ko. Perfect ka rin ba? 😂

    • @daisyregoita5558
      @daisyregoita5558 3 місяці тому

      @@aimeelea77 pinoy mentality laging may sinasabi sa kapwa kahit di kilala! Hay naku

  • @cristybin
    @cristybin 3 місяці тому

    Ang alam ko pag first time file sa bankruptcy is 9 months. Yun kaibigan ko kasi naisama niya ako sa pagfile niya sa bankruptcy kaya nakita ko ang history niya and this is her 3rd time to file for bankruptcy at naisali ako. Yun 3rd time na pagfile ng Kumare ko ay 36 months cya or 3 years magbabayad sa Trustee bago grumaduate sa pagbabayaf saTrustee.

  • @marktolbe7510
    @marktolbe7510 3 місяці тому

    It doesn't matter if you have support from family or friends in your marketing endeavors, it's still up to the person if they want to be strong on their own to achieve their dreams of success in life.

  • @birdenlightening5855
    @birdenlightening5855 3 місяці тому +2

    You don’t need credit score. Pay cash and live below your means.
    People care so much about credit score. It would only lead to more debts. Save up to buy laptop!

    • @lillyofthevalley7937
      @lillyofthevalley7937 2 місяці тому

      @@birdenlightening5855 unless need big purchase like a house or car then they check cred score

  • @Betterlifeincanada
    @Betterlifeincanada 3 місяці тому

    Karamihan sa kapwa nating Filipino is kulang sa Financial Literacy. Sana magkaroon ng Financial literacy program pra sa mga kababayan natin lalo na sa mga new comers.

  • @fishyfishytv53
    @fishyfishytv53 Місяць тому

    Hello po pag nag file ng bankruptcy po pwede po ba mag apply saibang bansa? At pag unuwi ng pinas safe na po ba?

  • @Co-MonStories
    @Co-MonStories 3 місяці тому +2

    Ms. Ina kumusta na yung problema mo sa bahay na tinitirhan nyo ngayon at gustong ibenta ng may-ari? Resolved na po ba?

  • @northernlightsjourney
    @northernlightsjourney 3 місяці тому

    pwede po pavlog ng mga recent lang na naPR under teer 4? curious lang po ako kung may naPR kagad na teer po. sabi kc nila mas mabiolis PR pag lumipat ng provnce. alam ko kc yng PR process nagddepend yan sa teer level not sa province.

  • @Nadins-nw6vg
    @Nadins-nw6vg 3 місяці тому +14

    Don’t go BROKE trying to look RICH.. act your WAGE. By anonymous

    • @daisyregoita5558
      @daisyregoita5558 3 місяці тому

      Know the whole story first before commenting nonsense! You're so perfect! Think before you spit!

    • @daisyregoita5558
      @daisyregoita5558 3 місяці тому

      Pa anonymous ka pa jn! Filipino mentality feeling perfect amputah!!!

    • @bernadetteprego9951
      @bernadetteprego9951 Місяць тому +1

      LESSON LEARNED: DO NOT LIVE BEYOND YOUR MEANS!

  • @xylagirl76
    @xylagirl76 3 місяці тому +1

    Such a predicament to be in, lalo na she got into that situation because of starting a business with hopes to supplement her income, di naman para mag shopping and keep up with the Joneses.
    Aside sa mentioned downsides, may ibang jobs din that require credit checks on top of security clearance. Isa na yung government job that I had, because of the role.
    Tapos if seven years nasa credit report, yung opportunity cost nung time na yun malaking bagay specially if you've just started building your life here.
    I wish your resource person the best and thank you for sharing. Marami ang matutulungan nito.
    Debt management is a helpful topic, sana magkaroon din ng interview with somebody who could discuss consumer proposal vs bankruptcy, and on the flipside, how to establish good credit scores.

  • @DianaLeeTTuy
    @DianaLeeTTuy 3 місяці тому

    Yung business ba ni Mimi digital business na lap top at cellphone ang kailangan lang? Then you csn start with the business. You can earn as much up to $20,000 a month which is sounds too good to be true, 16:26

  • @rubz0123
    @rubz0123 3 місяці тому

    Too much kayabangan, I’m glad my husband help me realize not to take out debt. Sinisisi nya pa wla cxa support from her partner 🤦‍♀️

  • @ZendaZerrudo
    @ZendaZerrudo Місяць тому

    Hello po, may Financial Literacy po na offer here sa mgq Newcomers. Kaya lang dapat po magasawa.❤

  • @flammableice9225
    @flammableice9225 3 місяці тому +3

    Enagic dream team yung online business na tinutukoy nila jan…hahaha muntik din ako mabiktima nyan…networking din pyramiding scam.

  • @Redskin0508
    @Redskin0508 3 місяці тому

    Online o digital business. Ito siguro yung mga lumalabas na video ads dito sa youtube na karamihan eh mga kababayan natin na nangeenganyo na sumali.

  • @rodelgrefalda4830
    @rodelgrefalda4830 3 місяці тому +6

    Please, kababayan Pinoy Specially, yung mga bago palang sa US & Can. Never, Never, Never join a Pyramid style of business. It's a waste of time and money. Thank You

    • @domdidomdidomdidom
      @domdidomdidomdidom 3 місяці тому +1

      MLM or Pyramiding never works. Sana ma-realize yan ng lahat ng mga kababayan natin.

    • @juliewisconsin3840
      @juliewisconsin3840 3 місяці тому

      So true yung kapatid ko nasa Italy nag join nyan kahit anong sabi ko na hwag sasali dyan di nakinig.. yun dalawa kung kapatid na scam kasi nyan ako din dati na scam kaya I don't agree talaga sa mlm na yan

  • @yourhonorable-m8e
    @yourhonorable-m8e 3 місяці тому

    Magkaiba ba ang consumer proposal at saka bankruptcy? Kaya ko natanong kasi sabi ng iba halos the same lang daw.

  • @lillyofthevalley7937
    @lillyofthevalley7937 3 місяці тому

    UTANG IS NOT LIFE. Discipline and good monetary habits is power!!!

  • @Sheilajabido
    @Sheilajabido 3 місяці тому

    Anung credit card kinuha mo na 1000 ? Tnks

  • @susanmoreno7389
    @susanmoreno7389 3 місяці тому

    Cguro d nya napigilan ang gumastos nawala sya sa sarili. Buti d sya hiniwalayan ng asawa nya this should be a lesson sa iba nating kababayan. Asa history na nya yun bankrapcy mahihirapan sya kumuha ng credit card kse d maganda credit history nya.

  • @abcdefg12336
    @abcdefg12336 2 місяці тому

    Parang pyramiding scam na yan may mga ngsuccessful sa gnyan meron din hindi. Sana maginvest na lang si ate na magaral ng course kung anu demand sa Canada.

  • @spanishdancer6221
    @spanishdancer6221 3 місяці тому

    Maraming kababayan natin, kahit na professional sa atin, financially illiterate at na eenganyo sa mga pyramiding at get rich quick schemes. Kaya ingat at huwag matakot mag NO sa mga nagre recruit kahit na family at kaibigan pa yan.

  • @sheldonmathewpereira5544
    @sheldonmathewpereira5544 3 місяці тому

    Hi Ina, i would like to get intouch with you professionally. Thanks.

  • @PinayOkie58
    @PinayOkie58 3 місяці тому

    Minsan kasi pati yung iba parang nagbabalak papunta sa North America para mangutang ang plano😅😂😅 mangutang, dito sa US marami ng nagbobongahan, kahit di pa well stablished tapos, pagsasabayin mangutang hanggang loob sa leeg.

  • @marchseven3233
    @marchseven3233 3 місяці тому

    Ang dami kasi dito n filipino galing ng hikayat para sa kanilng benefits hindi para tulungan.

  • @Superfly1979
    @Superfly1979 3 місяці тому

    Bankruptcy will be in your credit history to your name habang buhay po kau consumer proposal is 6 years mawawala po ang history

  • @aubriciasiblings
    @aubriciasiblings 3 місяці тому

    Anong business kaya yan? EnaMAgic business

  • @Maripos143
    @Maripos143 3 місяці тому +3

    Kangen yan kung 11k ang puhunan 12k na yata ngayon ang uutangin mo networking yan 149 US dollar ang registration nabudol din asawa ko dyan buti hind nakautang kaya stop na sya

    • @khaleesit6443
      @khaleesit6443 3 місяці тому +1

      Nabudol din ako nyan pero na refund ang money ko kasi di ako tumuloy kasi naisip ko nagconvince sa akin sabi lalaki check natanggap nila eh parang di nman nagrereflect sa lifestyle nila😂😂😂😂

    • @flammableice9225
      @flammableice9225 3 місяці тому +1

      ako din muntik na mabudol…ng dream team na yan…goodbye sana ang $10k baon din sa utang…

  • @Joeym1655
    @Joeym1655 3 місяці тому

    Seems she was caught up in multi level marketing (aka pyramid) scheme. First red flag is the requirement to buy 11K of inventory. This is usually done with products that are difficult to sell. Para sa lahat less than 1% of those in a pyramid make a profit and it is usually those on top of the pyramid. Lesson learned.

  • @bmacavanza193
    @bmacavanza193 3 місяці тому

    Utang is good. Kung alam mo how to manage finances.

  • @Hope-jeremiah2911
    @Hope-jeremiah2911 3 місяці тому

    Just my 2 cents hindi kaya parang ini encourage ng pag file ng bankruptcy “ since government program” ito. Those people na hindi marunong mag handle ng finances? Kawawa naman tax payers.

  • @CesarSalire-qg8wm
    @CesarSalire-qg8wm 3 місяці тому

    Photobomber behind you😅😅😅😅

  • @CesarSalire-qg8wm
    @CesarSalire-qg8wm 3 місяці тому +1

    Bankruptcy is you don’t have pay your debt. “Consumer proposal” is reduction of debt. I don’t know the exact number but I heard it get reduced down to 10% of total debt.

    • @CresD28
      @CresD28 3 місяці тому

      Upto 80% ang reduction ata

    • @CesarSalire-qg8wm
      @CesarSalire-qg8wm 3 місяці тому

      @ oh ok. I should have said down by 90%. Thanks for the correction.

    • @markreyes1866
      @markreyes1866 3 місяці тому +2

      consumer proposal is alzo bankruptcy pero mabilis ibuild ulit ang credit i did it in two years hehe kaya utang pa more

    • @CesarSalire-qg8wm
      @CesarSalire-qg8wm 3 місяці тому

      @ oh no.

  • @Lump24
    @Lump24 3 місяці тому

    Canada is too generous.....but some don't learned from the lesson katwiran govt will pay for it anyway.

  • @AIi-uo5fi
    @AIi-uo5fi 3 місяці тому

    Ang dami nga nyan mga pinoy may ads sa youtube mga taga canada nagdidigital marketing tapos nagrerecruit nako! halata namang sa recuit recruit ng tao kumikita red flag na agad.

  • @BCPinoy-cf6og
    @BCPinoy-cf6og 3 місяці тому

    Yung successful na yun.. kwento nya lang din yun!

  • @goodtimes6235
    @goodtimes6235 3 місяці тому

    Sobrang yabang pinakita ang fake yaman. May tita ako na adik sa sugal at puno ng utang kaya bankruptcy din ang dating. Mga 6-7 yrs pa daw kayo may forgiveness niyan bago makautang ulit sira din ang credit history mo niyan kabayan😢. Lesson learn sa mga mayayabang😭 spending what they do not have..

  • @butchguerrero9014
    @butchguerrero9014 3 місяці тому +1

    First

  • @nestorpalompo9216
    @nestorpalompo9216 3 місяці тому

    Nagfile ka ng bankcruptcy, ibig sabihin hindi natatapos ang mundo mo? Dont worry!

  • @hotdoggy810
    @hotdoggy810 3 місяці тому

    Will you pls stop saying walang support sa partner!!!!!!!! Langya to oy ikaw ang pumasok dyan inilihim mo pa sa mister mo!!!! Napakalaking pera ang tanong ko ngayon ano pa kaya ang inililiim mo sa mister mo?????

  • @trade2riches126
    @trade2riches126 3 місяці тому

    Parang Consumer Proposal ata yan

  • @trade2riches126
    @trade2riches126 3 місяці тому

    ATTRACTION Marketing ang tawag dyan its a scam po kasi pyramiding scheme iilan lang ang kikita. Kunyare may product para maging legal its playing in a grey zone... Kung baga ang business nayan is to "Teach you how to have an online business" parang igigisa ka sa sariling mantika. Kangen water yan na overprice