Money Matters, Mars! Saving, Spending & Marriage Real Talk with Camille, Iya & Suzi

Pera, pera, pera! Lahat tayo may kanya-kanyang kwento tungkol d’yan. 💸

This episode, usapang money matters tayo, pero Mars-style: this is not your typical boring finance talk!

From childhood experiences to growing up with different money mindsets, malalaman natin kung paano nag-evolve ang relationship nila with money.

Kasama rin sa chika ang pagiging gastador vs. saver, investing early, at kung paano nga ba nagbabago ang pag-handle ng pera kapag may asawa at pamilya na. Real talk din sa dynamics ng couples: joint account ba dapat o hiwalay? Paano pag magkaiba kayo ng spending habits?

Plus, honest confessions about impulse shopping, peer pressure, at yung mga “toxic habits” na natutunan (at unti-unting iniwan).

At the end of the day, walang iisang tamang formula. Pero isang bagay ang clear: kailangan pag-usapan ang pera, hindi iniiwasan. 🎙️

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Transcript

Note: We use AI transcription so there may be some inaccuracies

Camille: We live in a time and na talagang you only live once. The pressure is so high because of the things that we see on social media. We have to be smarter than that. me, important to be liquid. Okay lang yun na gumastos ka to do things for yourself. Pero always save for the rainy day.

Suzi: My mom is very frugal in a lot of ways, my dad is the exact opposite. yun ang talagang Habang may pera Love you dad R.I.P Pero yung habang may pera niya yan Either ipapamigay niya Ipanglilibre niya Siya yung classic na Ako na to Ako bala guys Libre ko kayo Ganyan So half of me is that Half of me is my mom

Iya: I also highly recommend that while you're still young and without a family to support, it's... The best time to you already start investing even if it's small because the moment you have a family the moment you have children and a husband you're paying for all that. You're paying for a home you know you're paying for rent.

Suzi: Hey girl! 

Camille: Bakit ganyan? Hindi alam kung paano magsisimula Paano ba sinisimulan yung mga ganitong bagay?

So 

Suzi: pag ganito, nag-iisipin natin kanina ano ba yung ating magiging topic for today. Tapos yung mga outfit natin may mga green lahat So napag-usapan natin greenback dollars. Pera pera pera 

Iya: Oo, pera pera pera pera pera pera Why not? 

Suzi: Pero gusto ko lang banggitin na ang gaganda ng mga suot ninyo. Ay, bakit kaya 

Iya: Mars?

Gusto kong banggitin din kasi napilitan ako na huwag mag... Plain t-shirt dahil nga ang ganda ang ganda-ganda kasi ni Sif nung suot 

Suzi: ko nung una nag-taping tayo tapos nun 

Iya: nagmukha akong underdress nagdress talaga 

Camille: kami ni Mars EA 

Suzi: sobrang casual so minessage naman ako nung dating boss ko sa full-time moms na naging boss mo din dati si Miss May si Ate May sabi na nag-PM siya kasi sa ako nagmimesage siya unless napadala ko yung link nung vodcast natin PLEASE Nag-PM siya sabi niya, Susie, yung outfit mo, parang i-dress down mo ng konti kasi naman yan.

pagdating, sige mag-short sige medyo casual lang. Pagdating ko, oh my God, ang ganda ng suot ninyo. So eto 

Camille: na nga Dahil sobrang ganda niya nung first episode. nag-effort kami ni Mars. 

Iya: Nag-effort man lang ako na hindi ako mag-t-shirt. Oo. 

Camille: So 

Iya: nag-sando naman ako. 

Camille: Na crop mas 

Iya: dressy mas dressy 

Suzi: o 

Iya: yung t-shirt uy lahat ng kulay kumpleto yan i-establish 

Camille: na nga daw yung look niya Mars kasi nararamdaman niya as big 

Iya: shirt oo 

Camille: na magsastruggle tayo sa outfit eventually Mars yung closet ko nanginginig niya hindi ko kaya paninigil nakatakot na siya Mars panganget pa lang natin ayun na nga problema like I realized there are colors there that I don't have 

Suzi: yes that's True.

Sa amin naman, dahil doon sa morning siya, sa unang hirit, lagi kami may color of the day. So hindi talaga ako magtatanggal ng, kasi naalala nyo yung nauso dati yung sa closet, yung Marie Kondo. Yes Only the ones you like. 

Camille: When 

Suzi: I started doing that, ang may iwan lang sa akin puti at saka blue. Tsaka beige.

Pero I had to keep all the colors because meron kaming color requirements on the show pero meron pala kayong mga bet na colors talaga na mas attracted talaga kayo. 

Camille: Actually, Mars, kailangan mo lang din i-keep kasi minsan yun yung requirement. 

Suzi: Totoo, totoo So, yun 

Camille: lang din 

Suzi: So, ang bagong topic namin today ay 

Camille: Outfit na pala 

Suzi: How 

Camille: to style 

Suzi: yourself.

During a vodcast. Hindi, hindi Balik natin to sa pera pera pera 

Iya: Ang gulo nito. Hindi hindi May connection naman yun Kasi nga you're trying to declutter. You're trying to make wiser clothing decisions. Kasi nga gawa nga ng pera. Oo. 

Suzi: At 

Iya: syempre, wala kang nang... 

Suzi: Space. Diba Bumili ka ng bago or nag-acquire ka ng bago Or hindi siya uso.

Hindi mo na siya bet. Then, i-declutter mo siya. So, part din yan sa malaking expenses na ginagawa ng mga tao paminsan to keep up with trends. That's true. Tapos katapus-tapusan, you're stuck with so many things. You don't know how to nakinabang o sa pag-declutter nito ng mga sportswear. 

Iya: Correct! Doon tayo sa ano.

Ibang topic na yung guilty pleasures. 

Suzi: Sige! Sige, tama. For 

Iya: the nano. O yun. That's gonna be another episode. But yeah, in terms of like, money matters. But you know, the thing with money, way it matters changes as you get older, di ba? Absolutely true. Oo, and where we are now, I'm sure very far from what it used to be for us as kids like before.

Wala akong alam wala din akong pake. 

Suzi: Totoo Oo, 

Iya: pero, salamat sa Diyos my mom was really good with money. In 

Suzi: terms of like investing 

Iya: Investing Taking care of my money Saving Saving Because For someone that didn't know And didn't care Everything that I've worked for probably wouldn't be able to feel Because I wouldn't have known anyway So 

Suzi: thank 

Iya: God I had a mom Who came Humble beginnings Very humble beginnings And so she didn't want me to go through What she had gone through And so she was really careful about watching!

money. Investing in things that I never would even thought of doing. 

Suzi: Eto, iba-iba yung structure namin, syempre Iba din yung sa inyo. Diba Yung paano kayo nag-iipon. Yung pagkita nyo ng pera sa inyo, siya nilalagay siya nilainvest. Iba-iba Yung upbringing, syempre Kung saan galing 

Iya: yung pamilya 

Suzi: Of course.

Paano 

Iya: meron kayo. 

And 

Suzi: then these two also started working young. Especially yung Mars. So ibang-iba siya So, in terms of what Ia said of how that changes, how we view money, how we save money, how we invest money, changes through the years as we get older. Lalo na yung sa'yo. Kasi simula patodler ka pa lang.

no, no Grabe ka naman, Mars. Five years old ka ba nagsart? 

Camille: I joined Little Miss Philippines I was five Pero yung talagang Nag showbiz na Mars Seven Seven Yung mga bata eh Bang ibang 

Iya: And when you started Making money Mars Like did you know You had money 

Camille: ko Mars Na sumisweldo ako Siyempre Pero hindi ko alam Kung magkano 

Iya: Okay But 

Camille: But remember as a child Did money 

Iya: mean anything to you?

No I think you were doing it Because you were just enjoying it 

Camille: Yes I was enjoying it At ang trip ko lang na Reward from my mom Ay kitty Anything na Sanrio Masaya na ako Mars Gift 

Suzi: gate 

Camille: Yes Mars talaga Ipalit gift gate Ang gift gate sa akin Ay para siyang Disneyland Mars So pag pumunta Kunwari may event Sabihin ng mommy ko, may work ka, ito yung budget mo.

Ganun din yung mommy ko. Very ano din siya dahil nga hindi naman kami o nagsimula na. well off. We really started as a very simple family. We were renting a home. My dad was working abroad. So talagang ramdam ko rin yung namin financially. And

also remember there was a time when I was a kid na nag-birthday ka ako, Mars. I think I was 4 years old. Na walang cake.

Tapos yung kandila, yung kandila ng pang-brown out na dilaw. 

Iya: Oh! I 

Camille: remember that. Yung D-Mars parang ilaw o mataas mataas at saka medyo 

Iya: magdapa 

Camille: at either pang deads or pang altar correct basta hindi pang birthday for sure for sure I remember 

Iya: that but 

Camille: ko siya para i-emote you never 

Iya: felt awawawaw hindi talaga Mars 

pero

Suzi: Simple lang talaga ang life namin.

Camille: So siguro ang view ko sa money, nung medyo nagkakaisip na ako, ay syempre para mabili ko yung mga gusto kong gawin. Di ba yun naman pag bata ka Mars eh. Your goal, wala kang pamilya sarili mo lang iniisip mo. Ang goal mo lang eh Mabili mo yung mga bagay na feeling mo, deserve mo, kasi pinaghirapan mo.

Or makapunta ka sa mga lugar na pangarap mong puntahan Diba? 

Suzi: Ako naman, grown up from a rich family, ibang-iba naman yung... Nag-iisip si Ia. 

Camille: Wow! 

Suzi: Mahiyap mo ba talaga siya? 

Camille: Well, that's very humble of you. Kailangan na iba-iba yung dynamics, 

Suzi: guys. Okay? Hindi pwedeng isipan Pwede rin tayo ng kwento Pwede pa nung Hindi, para ma-iba lang. Mayaman kasi kami. As a yamanin. As a 

Camille: yamanin. Paano pa ang buhay ng isang yamanin Mars? 

Suzi: Ganito, ha? So, parang normal, middle class. Myhad a gasoline... Station business which was doing much more Ay? Mars. Lalo na sa panahon na to Ayun pa rin yan Mars. saka hindi pa deregulated dati Kunti lang ang mga gasolinahan noon.

Camille: Correct. Totoo. At ilan lang ng mga pangalan yan, Mars. Pati lang dati 

Suzi: The big three 

Camille: The big three. Correct. At loyal ka sa isa dyan. 

Suzi: Yes of Hindi pwedeng lilipat-lipat. Doon doon. Hindi lang alam Pero syempre, we were four kids. We were all going to school, et cetera. So it was also a struggle for my parents to make sure that we all Sabi nga yung sister ko na si Maggie, sabi niya Sina mami, daddy, kasi pinalaki na lang tayo parang mayaman, pero hindi tayo mayaman.

Bawal ka naman tumute. Although kayo din man medyo ganun eh, Ganun yung parents mo yata na parang Bawa lang a lot of things So hindi kong naka-ipo na May driver kami May van namin Kung ano-anong project Ginagawa ng tatay namin Para pag hinatira kami Ng food sa tanghali May table na bubukas Ganun Tapos doon kami maglalat Ay talaga ba?

Ay ganyan naman Pero hindi lang kami mayaman Kaya parang Tawat-tawat yung kapatid ko It was so funny the way she Figure that out Meg na was saying na para tayong pinalaki ng mayaman pero hindi naman tayo lagat tayong totoong mayaman. Pero pwede naman. Can afford, can afford naman. Parang can afford naman.

Pero yun so my mom is very frugal in a lot of ways. My dad is the exact opposite. So yun ang talagang Habang may pera Love you dad R.I.P Pero habang may pera gastos niya yan Either ipapamigay niya Ipanglilibre niya Siya yung classic na na to Ako na to Ako bahala guys Libre kayo So half of me is that, half of me is my mom na nagtatry naman mag-ipon mag-invest.

Mom ko, maaga pa lang naniniwala na siya sa insurance even when it wasn't a thing yet. It had a negative connotation in the beginning na yung mga insurance companies or lugi ka naman dyan kasi yung mga types of insurances din before dati napaka-limited. Yung parang ganyan Yung habang buhay ka, nagbabayad Mga ganyan sa...

Pero yung nanay ko, dati palang naniniwala na siya doon. Naka-fire insurance kami, naka-life insurance siya naka-ging-ging. Samantalang yung tatay ko, kabalik tara naman. 

Camille: Ubus 

Suzi: ng ubus ng pera yun 

Camille: Siguro kasi Makikita mo yung principles nila Na magkaiba 

Suzi: No, 

Camille: Mars? Na parang siMore of like You only live once Yes, 

Suzi: very YOLO 

Camille: Correct Very 

Suzi: YOLO si daddy Tapos si mother 

Camille: naman Yung parang Ay, teka lang Paano na 

Suzi: bukas?

Correct Paano na bukas? 

Camille: O paano tong mga bata Lumalaki sila Paano mga pangangailangan And 

Iya: I think it also depends on Which generation you are Like are you the generation that That Had to start making the big moves? Are you the generation had a hard time? So, you know, I'm sure they came from two different places where, you know, your mom was a lot more careful and your dad was more like...

Hanggat meron sige like enjoy it I mean what are we gonna do if we save all of it anyway right right di ba so 

Suzi: it's really marrying those two parang ideologies or concepts in terms of money yun yung parang feeling ko I happy to get the best of both worlds yun parang magiging galante kung maganda pagkakataon orchance kang tumulong, that's what money is for.

Kaya kami pera para matulungan mo rin yung ibang tao. Tapos at the same time, aba, teka, paano na bukas? Et cetera, et cetera. But that being said, madalas lamang ako dun sa side nung tatay ko. Kaya enter frame Ang 

Camille: saya! 

Iya: At 

Camille: dahil din, magpapalibre si Suze! Yes! Kapi, kapi 7-11 to ah. 7-11. Pero huwag kayong mag-alala, prima tayo Yes 

Suzi: Free ba, 

Amerikano?

So now it's really marrying all those concepts ofgrowing up with those two different ideologies and also Paulo. Because that gets thrown in the mix. When you have a husband, 

Iya: when 

Suzi: you have a partner, na. So yun gusto ko malaman sa inyo. 

Iya: When 

Suzi: you first got married or before you got married, Nagkaroon ba ng time na pinag-usapan nyo yung pera?

Like, how are we gonna handle finances in the house, et cetera, et cetera. 

Iya: And how, the two, do you become one? 

Suzi: Yan. 

Iya: Nice. Umars, mauna ka na. 

Suzi: Go. 

Iya: Ayan, sa two pa rin kami. 

Suzi: Meaning magkahiwalay. 

Iya: Wait, magkahiwalay We have magkahiwalay but we also have a joint. Togetherness. 

Suzi: Okay. 

Iya: really lucky with the combination of my mom, And my husband.

Yes. So like my mom was very careful and then yun nga when I was about to get married, she sat me down and said, okay, so anak. Kasi there were times She'd be like Okay anak ko yung pera mo Dito sa ganito And I'd be like Yeah yeah yeah whatever It's like okay yeah mama As long as I Basta may prepaid ako Okay ako Tapos pinagtatawa na pa ako dati Na prepaid yung phone ko I know Pati yung nami mo natawa din Hindi Yung unang basher Yung unang basher Of course Parang awa mo na Magline ka Yung mami ko sa akin Anak Siguro nga dapat nga mag-postpaid ka na Kasi pinagtatawan ka ng mga kaibigan mo Ako naman parang well Napuputulong 

Camille: ka ba kasi Mars?

Hindi Mars 

Iya: So ngayon 

Camille: postpaid ka 

Suzi: ba o prepaid? 

Iya: Post-paid na. Umasenso na tayo guys. Okay. That's 

Camille: how you know. Yes. Pag ang number mo nagsimula sa five or eight, alam mo na. Not dati dati After yung first 

Suzi: four. 

Camille: Oo, after yung first four. Oo, kapag naman doon sa isang network, usually nine. Di ba, Mars? 

Iya: Pero okay na rin kung may mga limit tayo.

Tama. Basta Hala proud ako dati na prepaid ako no kung hindi nga lang dahil kay Luis Manzano 

Camille: hindi 

Iya: ako malihiya na prepaid ako paano 

Suzi: ba nilalaman hindi 

Iya: naman nilalaman sa number Mars yun nga yung sinasabi yung sinilaman mo yes 

Suzi: that's 

Iya: how you know from the beginning of the number I'm pretty sure it was like 300 pesos 

Suzi: I 

Iya: can't that part I cannot remember baka nag-only call and text ka pa ng network Mars ha okay na 

Suzi: yun 

Iya: okay 

Camille: yun ha kaso every 15 minutes lang napuputol siya totoo ba?

oo 

Iya: Mars tapos 

Camille: tatawag ka lang ulit 

Iya: oo eh lalo na ngayon I'm sure kung only ka oh my gosh could you imagine? oo 

Camille: nga 

Iya: Unlead din yung gastos mo Okay so yun nga So Eventually when Duran and I Got married She sat me down And said okay So anak is where Did 

Suzi: you have access To your own money Before June?

Iya: Yes I did So 

Suzi: you could take Whatever amount of money That you want Buy whatever you wanted 

Iya: But also Because the bill Was coming to the same home That I was living in With my mom My mom would also know So syempre When you know that Someone else is watching And someone's aware Where also kind of get more conscious about like how you spend.

Suzi: Na-napapagsabihan ka ba niya? 

Iya: Well, she would just question or ask. Like ano to? Or medyo malaki to? Butmy mom was also the one that would encourage me to spend. Na anak, o, ayaw mong bumili ng bag? ayokong bumili ng bag. Pero sige, kung gusto mo bumili ako ng bag, bibili ako ng bag.

Suzi: Maligtad? 

Iya: Oo. Pero 

Suzi: pagdating tapos pagdating yung bill, anak, bakit ang mahal naman ng bag na to? 

Iya: Nag-canny by yung sila! Kasi ayoko siya ne. Ibigay niya yung mga ko. Ang lito 

Camille: ko. 

Iya: Actually, now that I think of it, Maybe there were just a times that she would probably question a purchase that I've made.

But other than that, I guess because she knows that I'm not naman talaga kind of a spender. And 

Suzi: that maybe you need it for your job. Kasi yun yung part ng job din natin yung maayos yung itsura mo. May gamit ka namang maganda pag lumalabas ka. 

Iya: yung pwede mong gamitin din sa tax, di ba? 

Suzi: For work.

That's right. It's 

Iya: related to your work So there's also that. But yeah, and then... I was really pleasantly surprised now, oh okay, that mom was able to do this with my money without me giving a care in the world and I was so grateful that she did. 

Suzi: Meaning investing. 

Iya: Yes What would she invest in She invested in property.

She, oh my gosh, she got a loan and I have no idea how she even, managed to pay that off with the money that I was making because I had no idea. When I think about it, no, wow mom. for those na first time na maglo-loan, medyo 

Suzi: nakaka-nerbiyos 

Iya: siya talaga. Especially 

Suzi: doon sa type of job na meron kasi tayo Kasi wala na hindi naman tayo empleyado, wala tayong security of tenure.

So if you take out a loan for 10, 20 years, paano kung wala nung ganap by then? 

Iya: Exactly. You might be good for like maybe the next 3 months, but then lalo na kung serie kasi 3 months, 3 months I mean matagal na kung 2 years, but that's not the case anymore. So yeah, I was surprised that you courage to get this loan.

Tapos ang galing pa ang ginawa ni mommy. She got a loan. affordable property. Because if you much, then you too big. You start with something small. 

Camille: Kumbaga mag-invest ka lang sa alam mong kaya mong bayarin. 

Iya: Yes so she was able to purchase something small. And then, she was able to use equity, ba yung tawag doon And put it in as collateral.

And then, she got a loan. then, when she purchased another that had rent. So the rent was already paying off the loans. 

Camille: Ang 

Iya: galing nito! Nice one, tita Ellen! Ang galing! 

Suzi: Iba ka talaga. Yung kawit-kawit siyang ganun tapos this piece for this and that then... 

Iya: Yes, and she did it during a time where I didn't have a family so I didn't have other things that I needed to pay for.

That's true. And so by the time I was gonna get married and settle down and have a family, mom was already able to send me up Invest yes. 

Suzi: May 

Iya: lupa ka na. 

Suzi: Yan ba yung sa... Nuvali ba yan? ba yung bumalik kayo ni 

Iya: Drew? Bukod pa yun Nung kaming dalawa ni Drew yun Nung medyo pa serious na kami ni Drew sa future namin.

Suzi: So dun pa lang, sa umpisa pa lang na, and it's all under your name. 

Iya: Yes. 

Suzi: Ang galing nung mom. 

Iya: Well, actually, my mom. course here in the Philippines because I am an Australian so it had to be under her name but of course pag in Australia because the purchases that she made were in Australia under my name.

Suzi: So dahil do namanan mo ba yung mga skills niya or are there still times when you want to invest something that you ask her to do it for you? 

Iya: That's where I was very blessed with Drew because Drew naman, coming from... Business 

yan, 

Suzi: si Drew bata pa lang. 

Iya: I wouldn't say a well-off family, but family had money growing up 

Camille: comfortable 

Iya: but Drew was also very independent so he made it a point which I think is the struggle nowadays because you if you are in a place where you are fortunate enough to take your kids on trips and you know to have big home but a comfortable lifestyle and then feel like your kids are growing up feeling entitled but it gets so hard to find that balance and to teach them but you can't blame them because that's the kind of life that they were born into.

Suzi: But 

Iya: with Drew, although he was born into a comfortable lifestyle, he also made it a point bumukod siya. Ng maaga and then he took up business pa and so he really matters and talks to him so maaga pa lang he was making mistakes with business figuring things out early through business and so was able to apply with Vamos or even 

Suzi: before pa rin 

Iya: he started out with Q-Sticks yung billiard-billiard yung asin ganoon bata yung mga 

Camille: investments nagtatry

Iya: nagtatry 

Camille: na 

Iya: talaga yung nagtatry and he started also when he was he Not yet married when he was still single when he had money to spare and money to risk kasi syempre when you're mom when you have a family medyo nakakatakot na yung 

Camille: risk medyo dapat calculated na hindi 

Iya: na 

Camille: pwedeng sobra-sobra so 

Iya: he learned all these things when he was young made the mistakes when he was young and so it was really perfect na when We got married.

So, I am still learning. I'm also gaining more courage through him. Especially with loans. Yeah yeah. So,. So 

Camille: ngayon Mars, kapag meron kayong mga big decisions when it comes to your finances, do you talk about it? 

Iya: Paano nangyayari yun? Absolutely, Mars. And before, if I would talk to my mom about it, and mom also gets scared pa rin na, anak, ano, bayaran niyo na lang itong loan na ito, tapos okay na kayo. Yung gano'n may gano'n si Nininervous na 

Suzi: rin siya 

Iya: po just in case. She gets nervous, but you know, but really Drew and I that really know you know, what are like. Drew and I sit down and we talk about under love, you think it's time for this?

Or do we like kind of, a bit or what are the things that we are looking to pay for in the coming weeks or in the coming months or mukhang okay tayo. 

Camille: So 

Iya: yeah, nice to be able to make these big decisions. your husband, yes. 

Camille: And maganda din dun Mars kasi yung dynamics nyo ni Drew pareho kayo ng goal ng gustong mangyari pareho kayong maingat sa pera alam mo yun pareho kayo na parang mindful when it comes to spending kasi yung iba Mars ang struggle nila e kapag hindi talaga pareho yung the way they see money.

Like one can be like a shopaholic while the other is like super naman practical. Then doon magkakaroon ng conflict. I think you were sharing with your parents na si daddy ganito si mommy. So it's hard when you don't see eye to eye at medyo mahirap sa planning eh. So I think yun yung importante before you get into like a serious relationship.

Kailangan siyang pag-usapan. 

Suzi: Kayo? Paano niyo napag-usapan ni Vijay yung tukol sa money? 

Camille: Kami naman siguro ate. Dahil kami ni Vijay, pareho kasi kami when we came together, nagtatrabaho siya, tas nagtatrabaho ako. So, ang kaming dalawa na in common is that we both work hard for our money. Hindi kami nakadepende sa iba.

So, ngayon coming together, syempre may mga plano, may mga pangarap but our goal was was From the get-go, yung pera namin iisa. May mga allowances kami. Siyempre may separate bank accounts. But we have our own allowances for my spending, forspending, and then all our accounts are in just one joint. And every decision that we have to do financially, we have to talk about it.

Pero para sa akin, ang pinakamalaking natutunan ko, or I would say talaga Mars, na Nag-shift yung the way I handle money because of Vijay. Kasi dati when I was single, gastador talaga Mars. 

Suzi: Totoo ba, Bi? Oo 

Camille: ate. Parang 

Suzi: naalala ko naman na medyo kalma ka naman. 

Camille: Ate, parang ano pa yun eh. Yun medyo nakaisip-isip na kasi nandiyo si Nathan sa buhay Nag-ma-join na siya kasi nasa nanay 

Iya: na siya.

Camille: Nung nandiyo na si Nathan, medyo syempre So medyo may konting pag-iingat na konti. Pero Mars, I would remember Remember? Every month, mahilig akong mamili ng damit. 

Iya: Ang 

Camille: hilig kong mag-shopping Tapos pag ko na, pag uwi ko, feeling ko wala akong nabili. Yung hindi ko alam kung hindi ko sila nagamit.

Iya: Gusto ko kung ano yung nasa uso. 

Suzi: Oo. Siyempre 

Camille: Di ba Siyempre bilang Siyempre-gets 

Suzi: ka nun eh. 

Camille: Correct. Atista ka pa. And then so naramdaman ko din talaga Mars yung parang halos naging wala. Of 

Iya: also by people who probably love to also dress up, love to buy things as well. 

Camille: Tapos meron akong toxic na ugali na hate na hate ko Mars.

Nabibili ako ng isang damit tapos gagamitin ko siya pagkailangan. 

Iya: But 

Camille: that moment never comes. 

Iya: Like, 

I 

Iya: never use inamag na siya. O, 

Camille: tas kunwari diba nabili mo na Nabili mo na, Mars. Oh, 

Iya: guilty. 

Camille: Gagamitin ko to kapag may kasal May perfect to kapag may event O ko to 

Iya: kapag may event. 

Camille: Yan O, bibili mo ngayon Mars.

Kapag may 

Iya: dance product o ng ganito 

Camille: Pagkabili mo, okay, naitago mo na sa closet mo. May event ngayon. Okay, may event. Bibili ka ngayon ng damit kasi wala kang masuot para sa event na yun. 

Iya: Tapos nakalimutan . 

Camille: Kasi nakalimutan mo na na meron ka na. 

Suzi: Yes, to begin with. 

Camille: Yan ang mga toxic things that I used to do with my And then Mars, yun kahit hindi ko afford, bibiling ko. Ipangungutan ko yung Mars Paano Like? Talaga ba, Mars? 

Suzi: Mamahaling 

Camille: bag. Kasi uso eh Yung peer pressure, guys, deadly yan. yung bagay na sobrang grateful ako, eh dumating ako dun sa point na na-realize ko yun Kasi ang hirap kung pa rin ako.

Yes Mars. Hanggang ngayon Mars Nakakaalpas kasi naman 

Suzi: at some point 

Camille: I Oo, pero hindi I know some people who do Hanggang ngayon Mars. Na parang know 

Iya: why? Because... really a joy for 

Camille: them. Na-fleeting din Mars, ha? rin contentment. 

Iya: is why, Mars, I just want to correct what you were saying a while ago that Drew and I were mindful about our spending.

Actually, we're not. not very mindful. It just so happens that big spends aren't our thing. 

Camille: Buti na lang. 

Iya: It's just not our thing. Once upon a time, yun nga because my mom would be like, anak, do you want to buy a bag? Because yeah, all your friends have bags. And I tried that, but... Mars, sa totoo lang, hindi ko pala siya happiness.

Yun. Ako 

Suzi: for 

Iya: a 

Suzi: time, Mars, akala nila, nalilibre sila Kaya bet namin kasabi, mga Arillano eh. Kasi lalabas kami na na-Drew mag-i- At ending, si Drew nung 5G yes Yun yung joy nila na parang, oh nagsama-sama tayo 

Camille: nag-enjoy Ang na kinabang di ba? you, guys. Oo, 

Suzi: mga ganun lang. Ganun yung 

Camille: time nila Ako ganun ako, Mars.

Kunwari may isang bag, di ba? O, bag. Bibiling ko yan. Alam ko, ang pera ko, aabot Mars. Pero hulugan eh. Hindi hulugan Ah hulugan nga 

Suzi: pala Hindi ko 

Camille: naman literal, Mars. Nauutang ako sa'yo Tapos bibigyan. Hindi naman, Mars. Siguro isang bagay na ano, never akong natutong mangutang Mars. 

Suzi: Ah okay.

Camille: Siyang-siyang akong mangutang Kasi parang kumikita naman ako eh. So ibig sabihin may pangbayad ako. Ang kailangan ko nalang... Siguro, di ba common sense na lang ba ibang 

Iya: tao? 

Camille: Oo, umuutang sa ibang tao Kasi yung 

Iya: learn sa bank at 

Camille: iba yung utang sa 

Iya: ibang tao 

Camille: Pero yung umuutang sa ibang tao para sa luho, hindi ko yan nakasanayan kasi parang siguro kahit pa pano may sense naman yung ano mo naman, mali 

Iya: na yun 

Suzi: Mars.

Oo 

Camille: ito naman kasi yung 

Suzi: mga ganyan na options na layaway, ba yun yung tawag dyan? 

Camille: Ano Mars, ang lakas makaano yun. 

Suzi: True, unti-unti parang kung nga hindi mo maramdaman yung 50,000 na ipambibili mo nung bag, at least di pa 5,000 lang siya At the end of those, 10 months meron ka na nung bag I think a lot of people do that and it's a great way of investing in something that you've always wanted yes exactly something like 

Camille: a reward for yourself 

Suzi: and 

Camille: there are some people Mars na yes Napapaikot kasi nila yun Kunwari bumili sila ng bag, di ba?

Or kunwari mamahal yung bagay. At some point, they sell that to acquire a new one. Hindi ko naging skill yun Mars. Si hoarder lang kasi ako eh. Bilis bilis si bilis si bilis So I realized, it's not a smart thing for me to do. So when VJ came into my life, siya naman si sobrang lahat bago bibilhin. Talagang pag-iisipan 

Suzi: Doble triple yung 

Camille: pag-iisip.

Sobra Mars. Merong isang specific store that he loves to go to buy clothes there. Kasi lahat plain. Ganun ang style niya. Plain para pwedeng ulit-ulitin. Yung may mga ganun siyang strategy, Mars. That's 

Iya: my parse. 

Camille: Yes. Tapos Mars 

Iya: Mga sure 

Camille: tata na 

Iya: yun. 

Camille: Siguro pupunta kami doon kasi alam niya na kailangan niya nang bumili ng damit.

Lalagay niya yan sa basket niya. Mars, katapos-taposan, aalis kami sa store na yun nang walang binili. Ni 

Suzi: isa? 

Camille: Ni isa Kasi pag nakita niya na kung magkano yung natotal, hindi ko pala kailangan. So babalik na naman kami on a different day. Nasanay na nga ako eh. On the third or probably fourth that we go to that shop, yun may mati-check out na siya kasi kailangan na talaga Mars.

Pero, napag-isipan niya ng 

Suzi: three 

Camille: times, four 

Suzi: times. 

Camille: Pero yun yung natutunan ko na parang Yung asawa ko, hindi pa uso yung capsule wardrobe. Ganun na siya Tapos yung ano niya tapos mahilig siya na kapag yun na kailangan tatanggalin niya. So yung closet niya ang ganda kasi ang luwag. Para siyang store. Para 

Suzi: siyang closet ni David Beckham.

Yung parang konti lang. May mga lang Oo, may spaces yung hanger. 

Camille: Sukat yung spaces. 

Suzi: Anip 

Camille: Oo. Tapos sabi mga anak ko, Mommy, look at your closet. It's so sikip. Why don't you put your other clothes in Daddy's Sabi ko, sabihin yan. Siyempre, makakaano naman. Oo. Makaano naman si Vijay na, oh love. And he would remind me, oh magde-clutter ka na.

I'm sure may mga hindi ka na ginagamit dyan. Tanggalin mo na so you can make space. Ganon Mars. Mars. 

Iya: Ah hindi sige tsaka ako na ichichika kapag nasa guilty pleasures na tayo tsaka ako na ichichika oo 

Camille: so yun parang para sa akin Mars ang laking factor din kasi na yung mapapangasawa mo o yung mapipili mong magiging partner mo, eh alam mong iingatan din yung mga pinaghirapan mo.

Diba Kasi ang daming horror stories ng mga ganyan Mars. OFWs na lang, Mars. Ang tagal na sa ibang bansa. Pinaghirapan Akala nakapuntar ng mga bahay ng mga ganito. Pag-uwi, nilulustay pala pamilya And you know, there are so many stories and it's heartbreaking. Kasi imagine mo, Mars, being away for so long and hopefully, with all hopes na pag-uwi mo, at least man lang komportable ang buhay mo na pinaghirapan mo, only for you to find out na nauwi rin pala sa wala.

Ikaw ate? 

Suzi: Ako naman parang... Mostly sa the dark side ako lagi nagre-refer. Ibig sabihin yun, parang naisip ko, if there was one thing I remember during the pandemic, remember the pandemic. Yung parang minsan may times na nakalimutan na natin that we actually went through that. And parang it feels like we're going through that again with the oil prices, et cetera, because of this war that we didn't start.

time na yun naisip ko shock sana yung mga tao natuto na silang mag-ipon 

Camille: kasi 

Suzi: nung time na yun lahat walang trabaho tama 

Camille: oo 

Suzi: kasi dati nagkaroon ng time na kung nanay na walang kang trabaho pero yung pinsan mo may trabaho nanay mo may trabaho hindi kang umutang nung time na yun halos lahat walang trabaho so sabi ko shock sana bukod sa paghuhugas ng kamay after mag-CR na hindi pa rin ginagawa ng mga tao I'm sorry pwede ba gawa tayo episode ng pet PIV Pwede pwede 

Camille: pwede.

Suzi: I love that. Sabi ko, I can't believe nang galing sa pandemic hindi nagugus ng kamay at hindi rin nag-iipon. And then, on the other side, kaya ilalagay, no? 

Camille: Pero pandemic is fast on the dark side Yeah, that's true. 

Suzi: Hindi natutunan And 

Camille: actually, Mars, yan ang pinakamalaki kong bit-bit hanggang ngayon Yung buhay ko nung pandemic.

Suzi: Di ba, no? 

Camille: First for me, at least for me. But for some, you'll also see na parang nakalimutan na nga nila. 

Suzi: Nakalimutan na, nakakatawad parang guys remember, ito umuli tayo situation na ito wala tayo natutunan from before. So parang naisip ko lagi, sana mag-ipon tayo kasi isipin natin na katulad ngayon pwede kang bumalik sa situation na hirap na hirap ka ulit sa buhay, wala kang trabaho, or ito may trabaho ka pero hindi ka makapasok yung mga ganyan stuff.

Pangalawa, kaya sinasabi ko ito sa dark side ako nag-refer. my father died, we had to clear out his apartment. Me and my three siblings and two other guys who helped us with a van. And it was a one-bedroom small condo unit. And he had so much stuff packed into that small space. And prior to him passing on, na akong mga pinatanggal dyan Na daddy, clear na natin yung space mo kasi nagka-caregiver na siya etc.

 we had to get rid of all of his stuff, it took us two days, six people doing that in a small place, parang naisip ko siya lagi, pag marami akong gamit marami rin po problemahin yung mga ko at asawa ko to get rid of after. That they'll never know, do I keep this? Do I sell this? Pwede ko ba itong itapon?

Or did this mean something to her? That's why she kept it. So ako, I'm always in a constant state of decluttering. If ever you ask me, I'm always... Doing something to get rid of something. That's why 

Iya: you always have garage sales. 

Suzi: May garage sales. Ibebenta ko sa unang hilat yung ibang gamit Ipapabenta ko kay Leona sa carousel yung iba Mars sa 

Camille: ano yung Mars Bazaar 

Suzi: natin Uy sa yan nun.

Kasi nakabenta ng stuff nun. Halagang ubos Totoo. So parang naisip ko lagi. Oh, hirap na hirap ka na magbenta. Kasi mahirap eh. Mahirap eh. Bibenta mo ba siya? Ipapamigay mo ba siya? 

Camille: Ako may ganun akong dilema kasi Mars nahihiya akong magbenta. So kung narin, Camille magkano to? Sige, sa'yo na 

Suzi: lang. 

Camille: Lugi Mars? 

Suzi: Oo.

Ang iniisip ko na lang sa ganyan is, pag binigyan kita tapos kunwari grupo kayo, baka namang maingit yung iba kasi hindi ko mabibigyan lahat So ang sasabihin ko na lang, ibibenta ko siya para walang favor din. Yun na lang yung ko Making gastos for things, makakasikip. Kasi naisip ko lagi, kung hindi ko naman siya ma-de-declutter well, parang naisip ko, at the end of the day, hindi ako yung mahihirapan, but my family will have a hard time doing that.

Iya: That's a very good perspective 

Suzi: It's strange perspective. But it's 

Iya: true. But how did you do that with young children? 

Suzi: to get them to declutter? 

Iya: Like, how do you make these decisions with clutter? Because my problem is being in this life stage. Oo 

Suzi: naman. 

Iya: I just feel like clutter is just constant.

Suzi: Nagdodonate yung kids pag Christmas. So, concept na sila nung pagtutulong sa iba, yung mga gamit na napagsawaan nila, na kailangan nila ng more space. So, sila din, at saka emotional moment yan for kids Yeah yeah. hard for them to let go of certain things. They are so cute. These toys, these stuffed toys are so cute.

Camille: But it teaches them kasi na hindi can hold on to something. Na mahalaga pala yun na matutunan early on. Para pag tanda nila, matuto talaga silang mag-let go ng mga bagay kasi hindi talaga sila panghabang buhay. How 

Iya: do you teach them to not let go of things that are just broken?

to like, actually take care of their things and to give, you know, like, sabi mo, parang nahihiya ka na na ibenta, parang ipapamigay mo na lang. have kids kasi na parang oh, mom, this is broken anyway so we can give that away. But for me, it's like, huwag ganyan. Hindi yan yung boy. Hindi yan yung boy.

Kasi nagustuhan. Explain 

Camille: mo na. Di ba di hindi naman mapapakinabangan. Pagka broken na, tapo na yan. Kapag mapapakinabangan pa at tingin mo na may value pa, ipamimigay natin yan. So, may sorting box. Dyan. What do you want to keep? What do you want to give away? And what do you want to throw? But yun din, si VJ constantly reminds me, love, mag-declutter na kayo.

So recently I did that with the kids kasi, ang reality Mars, Nag-a-acquire naman talaga tayo whether we like it or not. Somebody gives you May magpapadala. Pamilya mo, lolot-lola, iso-spoil So, meron at merong dadating Magsha-shopping ka So kailangan yung pag-let go ng things maging intentional siya Otherwise, magpa-pile up talaga.

Totoo. 

Iya: And it really feels good 

Camille: And you have kuyas na. Like primo can be able to sort until alana. 

Iya: Kaya 

Suzi: na nilang mag-sort Mars. Yeah. Tapos parang routine sa inyo na something they can mag-sort Look forward to, kahit na masama sa loob nila, pero parang magawin niyo siyang parang tradition.

It 

Iya: really needs to be something that you, because it's always been an idea for us. But hanggang sa lumipas na yung Pasko, parang hindi namin nagawa. Ang 

Suzi: dami kasing ginagawa 

Iya: So parang yeah, you really gotta like 

Suzi: find 

Iya: the time. Actually 

Camille: Mars, yung 

Iya: pinaka-bongga dyan just 

Camille: do it. 

Suzi: Kasi 

Camille: yung pagpinlano mo, parang you dread it.

Kasi parang iniisip mo na na, ay nako, kapagod Hindi mo siyang magagawa. 

Iya: You really have those days, di ba? You have a day where it's like... am just I'm not in the mood to deal with this. 

Suzi: And 

Iya: then there's one morning where you're just like come on, let's get it done. Yung gumising ka sa tama Yes 

Suzi: yes. Sa tama Sa inset.

Tama. So anyway yun so parang kumbaga in terms of money kanya-kanya tayo ng style kanya-kanya tayo influences so even our husbands have come from different influences as well. Si Paolo yung family nila they don't talk about money. Really? As in ako lang yung parang so guys magkano to? Parang nagkakahiyaan.

Parang nakakahiya for them to talk about money. So that's also like a different story. It's only like, parang kumbaga, mga five years ago ko lang nalaman sweldo ni Paolo. Yung mga ganyan, hindi kami nag-uusap about those kinds of details. Basta sa amin yung ano namin sa house is, Everything that we earn, we have a half fund.

Meron kaming sariling mga account namin. Tapos meron kaming half fund. So half of everything we earn goes to that half fund. How 

Camille: do you know that 

Suzi: half really goes there? Totoo. They'll never know. He'll never know. 

Iya: That's why you just have You have truth. You have faith and truth Hindi, totoo kasi. 

Hindi 

Iya: totoo.

Tapos 

isi-stim 

Camille: na lang 

Suzi: ito Hindi ako every month nagre-remit ha. So, minsan pagkakita ko oh my gosh, six months na ako hindi nagbabayad sa hapon. Tapos i-cocompute ko lahat ng mga naging racket ko, lahat ng mga naging sweldo ko kasi naka-online naman lahat yan. pala ang dami kong pera sa account.

Hindi naman pala akin yun. So that half fund pays for the tuition. That pays for if we're gonna buy a new car or a new property, etc. So the big purchases are there. Bukod pa dyan, Paolo gives me... Household every month. So that's I get mga pambayad ng this. Bukod pa din, meron din kami mga sarili-sariling binabayaran on our own.

that's how we have set up our household because we are not employees. yan yung way namin na nakaka-force ipon kami kasi Unless you pay for your own SS, Wala kang pension. Wala kang nothing. Wala kang endgame. Wala kang ganun. Unless bata pa lang, nag-i-insurance ka na para may endowment ka in the future, etc.

So those are the things that we invest in that we get from the half fund. So we figured nung first. pa lang ng marriage namin nung una kasi hindi siya masyadong clear so parang oh sige I'm paying for these bills you're paying for that bill eh paano tong bill tas parang there was a na nagkatampuhan kami very early on in our marriage about parang oh ako din ako ba din ba to or ganyan yeah 

Camille: because it's really something you gotta sit down 

Suzi: and deal with each other itemize Siya kung gusto ninyong hindi kayo magkatampuhan At kailangan huwag magkasamaan 

Camille: ng loob Tandaan mo, ano to, kumbaga, we're doing this together.

Not to team here Not count or to 

Suzi: sumbat. Yes So kaya important yung pinag-uusapan niya yung pera Even though it does sound crass to begin with, diba? Pero yan yung magiging puno-tulo ng maraming away ng mag-asawa. And 

Camille: also I think ate, depende kasi sa kung paano niyo pinag-uusapan yung pera. Oo 

Suzi: din. 

Camille: Diba meron kasing niya yung Kuni-question mo lang or tinatanong mo lang that can an attack.

Pero meron din naman na yung upuan natin to at mag-plano tayo Diba? 

Suzi: Office-office talaga to. Business hats on tayo Paano natin aasik-asok to sino ang Parang kumpanya 

Camille: ito Kasi may minamanage tayong household. 

Iya: That's 

Camille: true. 

Iya: I think it's also important that as husband and wife you guys can also learn to be flexible.

You know, there might be a time where husband might be, you good amounts so he can also contribute more. There might be a time where the wife is the one that is, you know the wife can be able to contribute more So I think it's really important that you're open. And like just know when okay someone's gonna be able to give more here someone's gonna be able to yeah maganda 

Suzi: rin na binanggit mo yan dynamics niya kasi nga iba-iba yung mga babae ngayon nagtatrabaho natin nagtatrabaho maigi and there will be times that the woman will earn more than the man so paano nyo ngayon mamamanage yung egos in the household yung traditions yung like that so that's a very personal and challenging matter pero 

Camille: for me if there's any practical tip or advice ano lang talaga eh lang maging makasarili.

You know, because sometimes when you marriage, especially if both of you are making money, you feel like because you put in more, you also deserve more when it comes to spending. So, dun lang medyo nagiging... Or you 

Iya: feel like you deserve more in other areas. Like, you deserve to be served. You deserve to be, you know, pampered.

Camille: Or, oh, teka, mas malaki akong kumita. Ikaw na yun. Siguro yung... kwentahan. Huwag maging makwenta in all aspects. Kasi yun yung danger sa Mars na hindi siya pinag-uusapan but it can actually creep into any relationship or into any partnership kapag hindi ka aware na may ganun ka pala. 

Suzi: Another thing is Hindi lang naman money ang may value pagdating sa pag-ambag nyo sa pamilya So, service is also one of them.

So, kunwari, kung hindi ka kasing busy nung asawa mo at madalas nasa bahay ka, marami kang pwedeng gawin Whether ikaw yung babae or ikaw yung lalaki, ikaw yung may opportunity ngayon na payabungin yung inyong pamilya sa bahay. Pagandahin pagiging more comfortable, pagluto sila etc. At tanggapin mo siya as a way of...

In-kind. It's your contribution. Meron in-cash meron din tayong in-kind. At may halaga din yun At in-cash At malaki din ang halaga Of course. That's, that's time. 

Camille: I like that. You know, kasi Mars, yung taong nagtatrabaho sa labas para kumita ng pera, hindi niya magagawa yun kung wala yung taong nasa bahay na gumaganap ng lahat bagay para magagawa Mag-luto, mag-linis at mag-alaga at magpalaki ng pamilya 

Iya: Mag-asikaso ng mga schedule ng mga anak.

Camille: You cannot do it on your own kahit na gano'n kapakalaking kumita. 

Suzi: So it's a mix of both, in kind, in cash, but most importantly, in love. But most importantly, it's a lot of... Ito yung opportunity din natin internet age, etc. Na pwede na kayo mag-research kung ano yung mga ibang-ibang ways para palakihin ninyo yung pera ninyo Kasi we keep saying save, save, save.

E alam nyo naman na ang interes sa banko, mas malaking inflation rate, kumbaga yung pagtaas ng presyo ng mga bilihin kesa dun sa tinataas ng... ng savings account ninyo. Tama So, pwede nyo rin kausapin nyo yung bankero nyo. People at the banks. Diba? 

Camille: Meron dun, iiwan mo yung pera mo for like say six months.

Pag kuha mo, tumubo na siya ng ganito 

amount 

Suzi: of money. Oo. So, parang educate yourselves kasi may opportunity na tayo na malaman kung saan natin pwede ilagay yung investments natin para mas lalo siyang lumaki. 

I 

Iya: also highly recommend that while you're still young and without a family to support, I really feel that it's The best time to you know already start investing even if it's small because the moment you have a family the moment you have children and a husband you're paying for all that you're paying for a home you're paying for rent so while you're still living probably in your parents house and food is still for free yes rent walang rent advantage walang rent yes use this time use this time now not not To save for these wants, yeah you can put some money aside for a trip perhaps or yeah for that bag that you want but now is the time to invest because you are going to be grateful by the time you settle down and get married you'rebecause I remember getting married I I hesitant I was fearful Kaya ba?

Tapos at the time I was the one making more money Between Drew and I And then of course Mars Of you're a female getting married Alam mo na You're not gonna have The same opportunities So I was quite scared about that 

Camille: But 

Iya: yeah Gratefully My was very careful With my money And so I was like And then Drew had to Get real with me Ano bang pangarap mo?

Gusto mo ba ng mansyon Ano ba yung gusto mo mangyari? Sabi ko nga no mo mangyari 

Camille: Gusto 

Iya: ko nga naman siya. I think we're gonna... I think 

we're 

Camille: gonna... Oo nga no 

Nakapagpatayo 

Iya: naman Oo nga, no Okay 

Camille: naman. Okay 

Suzi: naman. 

Iya: Na-manifest naman yan, Mars. What am I so scared about when I know that, like, mom had already set me up and, yeah, like, mom was able to invest me.

That was my mom. But I don't know if you know, I can't guarantee that all our moms are gonna be the same? So, if you don't have a mom that's... Doing that for you, then maybe you're gonna have to be that generation that's gonna make that brave step for yourself and for your future. 

Suzi: Educate yourself.

Kaya-kaya 

Iya: natin yun And ako 

Camille: siguro just a little thing to add before we wrap this up, no? We live in a time and na talagang you Only live once. The pressure is so high because of the things that we see on social media. But you know what? We have to be smarter than that. Nakita na natin yan. Alam na natin yan.

Andami na nating kwentong narinig. For me, important to be liquid. Okay lang yun na gumastos ka to do things for yourself. Pero always save for the rainy day. I really always believe in that. may nangyari, may pangangailangan ka, may makuhugot ka. Kasi araw-araw marami ka talagang pwedeng pagkagastusan at hindi mauubos yan.

So it's really up to you to be intentional and to be practical and saving, especially when the time comes na may kailangan ka. May huhugutin ka. 

Suzi: Yeah. Well said. 

Honey! 

Suzi: Oh loved our episode Kala mo naman ang mature natin Oh, oh naman Uy, marami lang tayong natutunan through the years, ha? Kaya, ayun hope you guys enjoyed our episode about money.

And of course we really appreciate the comments that we've been getting from our first and second episodes. We really appreciate all of that. Tsaka yung mga suggestions ninyo, syempre, tinitake note natin yan at pwede natin maging topic next time dito. 

Camille: Yes. Thank you so much, guys, for joining us. 

Iya: Yes there's more to look forward to here on Pwede Natutunan!

Kami ang inyong mga...