Latest / Ecosistemas / Ecosistema de las Finanzas hogareñas - Invitada: Celeste Sanchez

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Ecosistema de las Finanzas hogareñas - Invitada: Celeste Sanchez · Ecosistemas

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Hello from ecosystems. We send a fraternal greeting to all radio environment staff,
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the National Federation of Health Workers and its Secretary, Carlos Adamo, for allowing
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them to be part of this great family that is a radio ecosystem environment under
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the prism of polyhedron. How today' s world works, increasingly complex,
0:37
more uncertain, changing, seemingly chaotic, a world of all against all or
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all for all. Not one thing or the other. The world operates in
0:48
a delicate balance of interacting ecosystems. I propose that you think together about how
0:57
these ecosystems work. A small pocket manual, perhaps just a bunch of thoughts
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and reflections that allow us to accommodate, order, orient, understand how we
1:07
work in these hyper- informed and communicated societies, where it is hard for
1:14
us to discover their senses and motives every day. I invite you to listen
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and discover together these ecosystems in which we are often inserted without wanting to be
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part of them and which, however, are part of our daily struggles and
1:30
disappointments and under the prism of polyhedron, because every ecosystem is composed of different
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faces or sides, with its vertices and particularities. Unity in diversity, where
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the whole is superior to the parties, the agreement superior to the conflict the
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reality is imposed on the idea and time in space. This will allow us
1:57
to build a sustainable world, in an environment full of humanity, in harmony
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with the unique nature that protects our existence and the generations to come welcome.
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There are ecosystems under the prism of polyhedron and in these times the most abundant
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is scarcity. Let' s say we are not experiencing complex situations in terms
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of how to order ourselves, how to program ourselves into a world of insecurities,
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of uncertainties, fundamentally in economic questions, no more when classes begin in
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March. There are expenses that are already logical and that are part of our
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customs and that we are learning that perhaps today they are more difficult to reach,
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because the dynamics has changed and in the face of this inflationary situation we
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find a panorama quite uncertain and many times very distressing, very tremendous. Also
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then, today, more than ever, it is necessary to stop the ball,
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to think, not to be depressed, not to be depressed because we
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do not arrive or because we do not reach certain ideas and try to have
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patience and much ingenuity, because if there is something that characterizes us Argentines is
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that we are ingenious, even to get out of situations that in other places
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would be impossible. I have heard that Argentina is the impossible country and somehow
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with all the Argentines in it Sometimes it becomes even more impossible. But in
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order to talk about what is home finance and finance that has to do with
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the passing of the day, what happens at home, where the purse is
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and how we are going and we try to understand with the inflationary reality with
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which we live we brought a specialist in these issues. So welcome to the
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home finance ecosystem, Celeste Sanchez. Thank you, Luis, thank you for
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the introduction. I mean, I was left with several words, various concepts
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that you were naming, because I agree with a lot of all the things
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you said. And the first thing I want to rescue is what you said
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about not getting depressed. I know it' s difficult, but it'
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s very important not to fall into the collective negativity that exists, of course,
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we can' t deny that, I mean, I don' t
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think it was going to collective frustration. Of course, it' s not
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like I come here to say no. Inflation does not exist. No,
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nothing further from that, because obviously I don' t live inside a rabiol.
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I know how much things increase and everything just that I choose to stand
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from the good side, there' s a part that we have nothing to
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do with. Neither you nor I decide how much the liter of milk increases
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every time we get to the supermarket. We don' t totally know that,
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but yes, what' s up to me and you and anyone who
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' s listening to you is where I' m going to buy that liter
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of milk, to give you an example, or what I' m going
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to do so that somewhere else I' m not spending so much and that,
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if you allow me to keep buying that liter of milk, you'
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re useful, as you mentioned for school. It is a critical moment for
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the budget of families this particular time of year, all are even more and
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more in this unprecedented situation in which we live. Well, you heard him,
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you heard a nice voice Celeste has, not because she' s good,
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she' s an announcer, so we don' t have much trouble
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seeing how we stand before the microphone and how we talk. And in addition,
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a finance specialist, she decided to design a learning space to help people
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manage their income. Well, Celeste, you studied speech. If I studied
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speech, production, also radio and television production and then took a degree in
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communication with orientation in journalists, where at the University of La Plata old.
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Well or not, yeah, not at the time was that I think it
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' s still there now. I' m telling you at the time because
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it was another life ago before I was mom college. All my studies,
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i e primary and secondary school, no, but all my tertiary and university
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studies were in public institutions, because at that time, well, two thousand
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one, I studied at that time. I finished high school in' 90.
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In the 2, 000 I worked so I could make a draft and
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start to see what life was like. Also, obviously, but well,
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it was another completely different situation. In two thousand one I went into production.
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In two thousand two I entered into a speech. So there were two
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years when I was literally inside the hoist from eight in the morning to six
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and twenty in the afternoon. But, well, that' s what allowed
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me to do two tertiary careers in four years and I went out and well
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and start working. Obviously, it is always closely linked to the media,
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radio and television. Also yes, and sometimes on one side of the microphone
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and sometimes on the other side of the microphone, but good in front and
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behind, your whole life and your vocation is linked to the question of media.
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Now it' s strange that someone who comes from the media later specializes
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in finance, because usually if it' s the other way around, let
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' s say the times that study finance, go to college, are graduates
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in economics or public accountants and then turn to the topic of communication. You
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made the way to the verse. Of course I did it the other way
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around. So, one of the things that I always like to clarify is
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that I don' t have technical terms to talk about economics, of course,
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because I' m not an economist, of course, that is,
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I, what I do is to disseminate, to disseminate information that I know
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many people need, because I needed it at the time, too, that
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is, to get here to be talking to you now, forward with a
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microphone on this subject. Ten years ago, my economic situation was that of
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many people, that is, the economic situation that many people are going through
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now and at that time not because economically, the reality of the country was
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another in the year two thousand fourteen, which was when we had our own
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economic collapse. That' s why I do a lot of financial hincambié family,
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family, of course, suddenly, we owed three times the income we
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had to credit cards, because, well, I, at that time I
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had an undertaking that was based on purchases that I made abroad with the payments
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by credit card. They came selling things with that I paid the card,
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but nobody had taught me how to do it right in these valuation projects that
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we had run change and so dollar that went along in a moment a joint,
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in a moment, something that didn' t help me at all was
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that no more mail purchases could be made abroad. Then that was the first
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bucket of debts we had, because the things I bought to sell suddenly stopped
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coming clear, but since they never went back to the places I had bought
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them from either. They didn' t give it back to me, I
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didn' t have it to sell either, so that' s where it
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started to generate that snowball that got bigger and bigger. It exploded in September
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of that year, which was the first time we were unable to pay the
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house' s credit, we were unable to pay for our garden. At
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the time we had only one daughter going to the garden. We couldn'
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t afford it. Neither. I always say I don' t know how
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we got to the end of the month that September of two thousand fourteen,
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and that' s when I realized that there was something I had to learn,
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that it was to manage my family' s money and that no one
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was going to come and explain to me the you tell me in some talks
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I' ve heard, that it' s true they don' t teach
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us how to manage our money. You go to school for a lot of
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high school time. I, after I heard that phrase, thought of my
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teachers. I' m a mercantile expert and I really have a great admiration.
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I love a mountain teacher who was the one who taught me the first
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ideas within which we could study mercantile expert, who no longer know if it
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is studied or how it is studied in such a way. But there'
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s no résumé to help you know how to manage yourself financially, there'
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s nowhere. You usually learn the hard way when you need it. What
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' s the worst time to learn. Not because you learn it from despair,
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not from really wanting to learn and improve and well heavenly, because you
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did if life gives me lemons, as the exact phrase says. I started
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squeezing them. I made a good lemonade, because we know life is a
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coin. Life is one who searches for it, you have an eye that
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speaks coins, but thick bills. Life is a blank leaf, an out
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of tune piano, long, skinny toes and a bunch of words. It
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' s just about living That' s the story with the smile on the
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blay assholes and the sanity of all of them Maybe it' s the road
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People dream that their laya, taxishira shit, saya, decillala and avenue.
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The days sing the story of man, love of ombre, The days sing
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tomorrows, the days are not afraid. He just lived. It' s
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the story with a love, a love and with the and I don'
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t know if the nudity that blooms sometimes better results from floods or deep sensations.
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Let' s enjoy our drowning well, I' m our fertilized image.
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Life is a lot. I' ll snoop it. The goods oh
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foquea of coins and not of thick vicent, alone, mushrooms devid those,
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the isol with the smile in the dujar with the ops and to last of
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all days of oreso is fine. It' s just about living. That
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' s a not- so- cit. We continue with the celestial Sanchez
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in this ecosystem of finances that I say notice that I say of family finances,
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but of the family economy, because there is a difference between the economy
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and the finances. I think Celeste is going to help us think about it
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a little bit, and we' re not going to think that a family
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is like a country. One country is something else and the economies of one
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country have other resources and it goes the other way. So sometimes I get
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very angry when some officials, some politicians, try to resemble family life with
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the economic life of a ministry. It doesn' t have to do no.
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The only thing we can do is rescue that there is in common is
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that you don' t have to spend more than you have. Of course,
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that concept may be, but then everyone else has, inside their family,
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that is, at the door, inside their home, knows things,
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resources, they have, things they can do and that, well to what
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the beginning said, ends. There is a large part that ends up depending
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on each one, because if we just sit and wait for the situation to
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change, how many years we have been, how many more years can happen
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until the situation changes. It' s like waiting, I mean, I
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feel like someone' s coming to fix it for me what I was saying
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before. There are things we can' t choose. We cannot choose the
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percentage by which schools, collectives or whatever increased. But we can see how
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or what things we can do different for the resources we have every month,
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optimize them in the best way, use them as best as possible, because
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it costs us all hours of our lives, every day to generate those resources.
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So, I mean, I don' t think it' s right
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to sit down that those resources, those hours of my life that I'
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m destined for, that you' re destining, and that anyone' s
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going to generate that income just keep not good. I' ll wait for
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the situation to change. I can' t do anything, I can do
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a lot to change it, starting with learning. That' s why I
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put so much emphasis on what we said before, as we' re not
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taught anywhere about money management. We all handle money from the time we start
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working until we are able to continue to manage our retirement throughout our entire life.
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And most people spend their whole lives without knowing how to do it properly,
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trusting that well, while I can pay, everything is done. But
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there are a lot more things you can do. It hurts me a lot
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when I read more than anything through Instagram in general, it' s moms
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who write to me because well, nothing for a question of identification and affinity,
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and many times they tell me no good, but it' s not.
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I don' t know. We didn' t do anything. During
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the year, we didn' t see how we could save. We didn
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' t do anything. We' re not going on vacation. That little
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detail as well as good, we' re not going on vacation this year.
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We see next year. It is a less vacation than you could enjoy
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with your children the moments, if you have remember the growth of the creatures,
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the time in which you can share with them. There are things like
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you can' t mortgage them for later. You can' t either do
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them now or you lost them forever, that' s another time maybe in
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another way, of course, and it' s not going to be the
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same anymore. So that memory that your kids aren' t gonna have to
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be playing in the sand with the bucket or whatever. Whatever memory it is,
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it doesn' t matter. They' re things that won' t
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come back and that if you can do them another time, they' re
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probably going to be another way, because you know when that other time is
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going to be. Then how am I going to sit just waiting for it
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to change, without putting anything on my side. Now, if the thing
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is complicated in Argentina, it is even more complicated because you say good how
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we manage in an economic system where inflation takes you where it is impossible to
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save, or how we do to save on something that tomorrow is going to
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have less value. Let' s say, it has generated very strange behaviors,
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such as, for example, that people spend what they can spend in
19:34
the first week when they have the money, because they know that later they
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will be able to access those same goods in the last week of the month,
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for example, by and because inflation has already passed them at another price
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or because I no longer have anything to do with it. Not then is
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there a dynamic career that sometimes becomes hellish. It' s a race the
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way I hadn' t thought of it that way, but now that you
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say it, it' s a race to try and win something that we
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don' t know how fast it goes then either. How do I know
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how much more I have to run. If I don' t know how
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much it' s going to continue to increase everything and, besides that the
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inertia of staying you don' t touch on the exact subject either, no,
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because you don' t have to be a lucid one to be able
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to understand what I' m going to do, how I' m going
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to buy and how I saw to invest. Now that I can do it
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to have the logical and necessary performance of reaching me the biggest days in the
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month. Not sure, yeah, yeah, yeah. That' s why
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one of the things I always insist on is that most families don' t
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have a budget. In writing. They don' t know how much they
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earn and how much they spend. Sometimes, knowing how much you earn is
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a little easier, because it' s going to a paycheck or it'
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s seeing the data you gave them. You passed it to your accountant to
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liquidate something in the month and that' s a little easier to know.
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But most people don' t know how much they spend in the supermarket,
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how much they spend in search of the month, how much they spend in
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empajes, how much you spend on the money you give the kids to take
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to school now when classes start to buy something at the Kiosk. So not
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having all that data is even worse because many times it happens to me that
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they tell me no. But why am I going to make a budget if
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by the time I finish it, it' s out of date. Yeah,
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yeah, that' s true. But if you have a written budget,
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a list of all your fixed expenses, of all your variable expenses and
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about that you can update, it will always be a map a little more
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defined than having nothing. It happens that when you' re banking money or
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you' re dealing with virtual wallets, you' re less aware of money
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than you count on. Yeah, I don' t know if with the
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money you count on, but I do with the money you spend. The
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notion of the money you spend is lost a lot. When you don'
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t see the bills passing from one hand to another. There are scientific studies,
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not that I say it. There are studies that say that paying in
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active cash the same areas in the brain, which is a physical pain,
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then I was right, but that I said that the toughest visor was bulbs.
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So that pain that the brain feels when you' re paying in cash,
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it' s the same as if you prick a finger, for example,
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then lose track when you don' t see those bills going on when
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it' s just a number and then you add that a lot of people
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are afraid to get into Home Banking, why it scares him what he'
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s going to find me there all the time. The comparison I make to
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them is that you' re afraid to enter the homban kings I swear to
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you. There are a lot of people who don' t see the summary.
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He said he doesn' t see the card summary,' cause they
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' re scared. It' s exactly the same as if you went to
23:03
do blood tests. You got it wrong you know he gave you the high
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sugar, the high cholesterol, the trigli and weeds and you didn' t
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open the tests because you' re afraid such a shot you won' t
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solve anything. On the contrary, you' re going to get worse and
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worse, because you' re avoiding going to the doctor who' s going
23:19
to medicate you and it' s working out for you. It can also
23:22
happen in heaven that you have money there, not that you imagine you have
23:26
it and sometimes you buy things that you forgot you bought them, but that
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you already had it worked out for something else that you didn' t And
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in the end, it' s like you tried to buy three different things
23:38
with the same money you thought you had. That is why the part I
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told you about the budget is very important, because when you pass we agree
23:45
that we have so much information in our heads that it is very difficult to
23:49
trust only what we think. Then it happened to us. I' ve
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been over saying look, I got this money. I' m going to
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use it so I don' t know how to pay the accountant' s
24:02
fees, and capable in the middle, something else came up that I had
24:03
to send money to the college. For something or make a transfer for something
24:06
they needed for school, for example. And I say good, okay.
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I know that' s the money I was gonna pay the accountant' s
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fees with, but I also know it' s the same thing. If
24:15
I pay her today or tomorrow, then I decide that money goes now,
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but why, because it' s in writing. Somewhere, if I depend
24:22
on my memory nothing else forget you, I can' t then. That
24:26
is why it is very important to have it in writing, even if the
24:32
numbers are later outdated. Obviously, it had to be updated every month before.
24:34
Now I' ll tell you, from the first week to the third
24:37
or the fourth week you' re out of date. But at least it
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' s a list of something in particular in what you say good, in
24:45
what fixed expenditure. I have rent, for example, pay garage, pay
24:51
expense, pay the bug that takes me, bring me the kids from school,
24:56
all those fixed things. The gym, languages, sports, taxes,
25:03
services. Obviously, what you pay for credit cards, other fixed expenses you
25:07
have. It is the list of things beyond the amount you serve, to
25:11
organize and know everything you have to pay in the month. Clearly the money
25:18
is this, it is our executioner, our executioner and we must learn to
25:27
live together with him, heavenly satchers with us in the ecosystem of family finenzas,
25:37
between single mauve and a scoundrel life, the love that is and not
25:55
the truth. When she was morbid in saying that you love money Corinth simply
26:11
in judimos will cena buenos ayers rupian when everyone was a destesion, enters the
26:19
sun, the mesh and a life channel After all and not bue ma of
26:45
one of the last records of phyto piez love is money that cute song and
26:51
what nice metaphor or before, Of course, we listen to Juan Carlos Bailieto
26:55
and life is a coin. We' re with celestial Sanchez, this community
27:00
finance specialist who decided to make a school. Yeah, you made a school,
27:07
you tell me a little bit about what it' s like and how
27:11
people can access your school. Well so much, I say these are things
27:14
we' re not taught at school that I said good nothing. Here there
27:17
must be a school that teaches All this was a subscription that was paid every
27:22
month, as well as Netflix paid, for example, for two thousand twenty
27:26
- two and two thousand twenty- three. In December of two thousand twenty
27:29
- three, when I already saw the situation coming and saw that more and
27:33
more people were going to need that information and that many of the people who
27:37
need it cannot afford it, then I said I don' t want to
27:40
keep all this information and that I can' t have access who needs it
27:44
most. And that information is built if others participate in generating that information process
27:52
through experiences. Sometimes there are classes that were already recorded and in which other
27:57
people participated that I invited to add other topics, other points of view.
28:03
Obviously, classes were made from consultations, that is, people who were students
28:11
who connected at the time. At first they were only women. Then the
28:18
game opened up a little bit more to men joining. It was also always
28:22
more of a women' s community, so I told you before, for
28:26
a matter more of identification than anything else. Not because men were not interested
28:29
and because they were not served by information or anything, but because many times
28:33
women were in charge of managing the household economy. That might be for another
28:40
system, but we' re going to let it go a little bit,
28:44
so far the communities are virtual. The person becomes the pandemic. Let us
28:48
say in the context of the pandemic this process was created. I started with
28:52
this account itself, that is, with money in order, itself. In
28:56
January of two thousand twenty, as I chose the best time a website.
29:00
Since it' s a website, it' s an Instagram account or podcast,
29:03
a YouTube channel. Most of the information is on the web, on
29:06
the podcast, and on the Instagram account, and the address is robbing money
29:10
in order everything, anywhere you look for it, on any social network you
29:14
will find it. So, money in order. Nice, good sentence,
29:18
short, effective, sure. Yeah, yeah, yeah. I think that
29:21
' s what best sums up to what I mean, what I point out
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to people that they really can put their money in order, because most of
29:30
the time the word that comes up is either disorder or disorganization because of what
29:37
we said before, because they don' t teach us to do it right.
29:38
So we' re all kind of juggling with the income we have to
29:45
see what we do to be able to use it in the best possible way,
29:49
if we' re interested, because there are people who really say good
29:52
nothing. I got this. I spend as much as I can. When
29:53
I can' t spend more, I turn to the card, which is
29:57
a great topic. Also in credit cards they are a huge problem in many
30:02
families at the moment, because there are really many families that, because of
30:07
inflation, their income was so late that they have no choice but to resort
30:12
to credit cards, because if they do not reach us at the end of
30:15
the month, a great moment I think that is when one goes to the
30:18
supermarket and already buys with a credit card in boots, not in quotas.
30:22
The supermarket does not, please, of course not there yes, because it
30:25
is a moment, whenever they arrive clear, always you stay in the wheel
30:29
of quotas, but should think that a quota is for something really very big
30:37
to which you can not access if you do not have option to finance it,
30:44
a trip, a refrigerator, a washing machine, you move if you
30:48
have to equip a house. Yesterday, for example, chatting with the mother
30:49
of a friend of one of my daughters, she told me that another of
30:53
her daughters was looking for an apartment and had to buy all the things to
30:59
equip the part. There you are, obviously, if you wait to have
31:03
all the money so you can buy a fridge, a washing machine, a
31:07
microwave and a capable TV, not the TV, but the fridge and the
31:11
washing machine. Once you got to that amount already recontra increased fifty times you
31:15
' re never going to get there, but the supermarket tries. If you
31:22
don' t have another one and you have to resort to the credit card,
31:23
because if not your family doesn' t eat. Obviously you' re
31:26
going to do it, sure, but at least it' s not in
31:30
quotas, because if not, then you have one more quota, another one,
31:33
quota plus another. And that' s where you often miss out on
31:36
the notion of what you' re spending on a credit card, because quotas
31:40
themselves are re- offensive. You say well, a quota of five thousand
31:44
one I bought a gift in three instalments of six thousand pesos. I don
31:51
' t know, I bought the fridge, whatever it is, but when
31:55
you make the sum of all those fees, it' s a lot of
31:56
money. And that' s when a lot of people write to me and
32:00
tell me, but I get half the floor on the card. Sure,
32:02
actually, well, yes, but the card allowed you to buy what didn
32:07
' t reach you last month' s salary and the previous one and the
32:09
previous one. So, that' s where you need to rearrange everything,
32:14
because I have a friend I' m not going to mention, that ends
32:20
up fighting with the card. Then he says I don' t break it
32:22
so I don' t and I say pra and not because I can'
32:25
t handle it. Yes, there are many people who happen to be stronger
32:28
to know that you have the card, the availability of the card is stronger
32:34
than them. A lot of people do, yeah, yeah, it'
32:37
s psychological, God, yeah, all that has to do with ico money
32:39
or or ninety percent of what has to do with psychological money always say that
32:43
money management is twenty percent of education and eighty percent self- control. I
32:52
can give you all the tools. I can tell you, look at the
32:54
card. You better use it this way. You' ve got ten pesos
32:58
left. At the end of the month it makes a common investment fund.
33:00
I' ll show you how to do it. I tell you here,
33:02
you have a class, you have a file to download everything. I'
33:06
ll give you all the tools. I make it easy for you all.
33:08
Now if you don' t take your side and don' t change your
33:12
consumption habits and don' t change the way you see money, you'
33:15
re always going to be in the same place and I always say the same
33:17
thing. I' m not here for people to always be in the same
33:20
place. You told the east that the ones who first sought your help and
33:25
advice were women, no, because in general it seems that women, sometimes
33:30
single- parent, no longer within a family, are the ones who are
33:34
most in contact with this conflictive situation of money how you work it also in
33:40
the field of the couple or family, because that is also a reason to
33:45
agree to see how we deal with the situation. Sure, yeah, yeah.
33:51
In fact, there is a class within the school that is called money
33:53
and a couple, because it is so, you have to agree with the
33:58
other person, because if not and everyone goes like an island alone that is,
34:02
you from the moment you decide to live as a couple or marry or
34:06
form a family in the situation that you are, but that involves one other
34:10
or another. You have to make the decisions together. And when kids come
34:17
in teenagers, that' s another topic too because there you have to be
34:23
very strong in teaching them the value of money, but at the same time
34:30
you have to be very careful because many of the things you say at that
34:34
time are going to be the ones that will condition what relationship they will have
34:37
with money in their adult life. That' s why I, whenever I
34:42
close the podcast, one of the two phrases I always repeat is to teach
34:45
our children about money, is to save our grandchildren problems. Sometimes we don
34:51
' t realize that the small or big things we say every day, but
34:57
we all have some that they told us when they were kids, that silver
35:00
doesn' t grow from trees that forgive the phrase I' m going to
35:06
say, but I break my ass by barking and that negative connotation. Always
35:10
the one with the money, he' ll have done something about what he
35:14
' s up to. And it' s not always like that. You
35:15
can have money because you really healed your relationship with money and say good.
35:21
I want to live better. What I have to do to live better,
35:22
What I have to do to be calm with my money every month, whatever
35:28
the tranquility for everyone that can vary. Now look how the issue changed.
35:31
No. When I was a kid, there was the notebook and one bought
35:37
the stamps, went to the mail and saved. We had the savings and
35:40
insurance box where you had the notebook and then I was hoping to have the
35:45
value of the stamp and I was investing in a stamp that you stuck it
35:50
in a notebook and that was supposed to be the other thing, or the
35:54
little chanchito, where you put the coins and the little chanchito there was so
35:59
that one day it could be broken. Now all that, which was a
36:00
saving culture, is impossible today. Yeah, it' s impossible, it
36:07
' s true. But at the same time we don' t know what
36:09
world they' re going to have when they' re big. So if
36:12
we don' t give them the tools now, we don' t even
36:15
know what economy this country is going to have in ten, fifteen, twenty
36:19
years. We don' t even know if they' re going to live
36:22
in this country or another. And if you don' t know how to
36:24
handle your money in Argentina, you can go to Switzerland, you can go
36:28
to the United States, you can live the American dream. And you'
36:30
re probably owed someone in three years because it' s a matter of heavenly
36:37
education, Sanchez. It' s so nice to educate. But look at
36:40
some customs or rather, you have to get used to certain things. O
37:00
eye to sadness. You get used to the routine. You get used to
37:07
poverty. You get used to defeat. I also poop it off when I
37:17
get back to it. You get used to being nobody. You get used
37:22
to loving guilt. You get used to being a slave. You get used
37:32
to eating shit, too. You get used to the burger. You get
37:42
used to cold sex. You get used to bad curse. You also get
37:52
used to violence. You get used to noticing. You get used to the
37:58
mask as you get used to the begging. You also wear them, but
38:05
they say they exist. They are a rich ocio all of good soul and
38:09
like my love. Those are things that come back, come back and I
38:38
' m going to smoke. Fazote, you' re used to drinking mate
38:44
and you' re used to shopping in custom to being a dry man.
38:47
You' re also stuck in the sick air of the city, the bad
38:58
wine and the laughter and you get seams in any fashion also get used and
39:07
had, but the habit so strong baby are until you will never get used
40:02
to it i e, lady looking garbage the door of my house. I
40:07
' ll get used to your hungry face asking me for something to eat and
40:14
you' ve gotten used to your fancy neighborhood in front of the villa.
40:16
I' ll never get used to it I' ll never get used to
40:40
it I' ll never get used to it I' ll get used to
40:47
it I' ll get used to it I' ll get used to it
40:55
I' ll get used to it I' ll get used to it I
40:55
' ll get used to it. I get used to taking your opening the
41:00
sequel that this to beautiful work. Theme of the tree custom, because we
41:07
are precisely with celestial Sanchez and we are talking about home finances and clear that
41:15
there are customs that are worth having and there are others that we should not
41:20
get used to. And I think one we shouldn' t get used to
41:23
is being so disinterested in each other' s need. Not to see that
41:30
the other is in a much more complicated state. Let us not be free
41:37
from the need that people are living today. How you' ll find,
41:42
at this time, where there' s a depression that we' re already
41:49
feeling with the constant increases in transportation, with people who don' t have
41:55
to eat a daily meal, how you get your ideas with this reality.
42:00
That was one of the things that made me decide that the school should become
42:02
free in December last year, because I said I have all this information,
42:07
that I know that many people need it and that those who need it the
42:12
most are probably the ones who can pay the least. Then I said well,
42:15
school becomes free. Look, you' ve got students in school,
42:22
and now they' re almost 200. Yeah. Wow, yeah, yeah,
42:24
yeah, and it' s really nice to see me how long classes
42:28
last. Or this is continuous. It' s like looking at therapy,
42:30
not, I mean, it' s like you walk into Netflix and you
42:36
say good. There' s this whole catalog of material. I' m
42:37
not gonna tell you there' s as much material as there is in Netflix.
42:39
Yeah, I' d love to, but no. I add tools
42:44
every month. Yes, the week, last month, for example, he
42:47
wrote a new eboo that is available within the school called eleven ideas and eleven
42:53
low cost outputs for all the eleven family activities. There are eleven lowcost activities
43:02
and outings for the whole family. Then they' re things that don'
43:08
t get you too much budget. You can do it with your kids.
43:10
In that case, I tried to make it more interactive. It has an
43:15
icon to paint every time you do an activity. A few faces so that
43:19
they can rate whether they liked it or not are activities from the point of
43:24
view. I give you a list of things for an afternoon vacation to go
43:28
out with the phone or an old photo camera and you' ll have to
43:32
take a picture of a pet you crossed in the street, from a real
43:38
rainbow or painted, whatever, things we don' t always need a lot
43:44
of money, especially with the kids. The boys are very simple. We
43:46
' re the adults who complicate them. Sensitivity happens to be able to think
43:52
that one can occupy a lot of space and a lot of time with them
43:58
without having to resort to any of this communication service. I corporate like Disney
44:07
Ong, of course, or even without going to the movies, without going
44:12
to say well, I don' t know. I can' t go
44:14
on vacation because it' s not the time, because I' m not
44:17
in a position to go on vacation. Well, what can I do to
44:22
at least get back to what we said before memories, generate them nice memories
44:27
and that the message isn' t just no. We don' t have
44:30
to go on vacation, because there are other things that can be done.
44:34
It' s a summer, next summer. We see the hope that we
44:37
can do something all year round so that everything will get better, so that
44:45
we can all be in a different situation next summer. But at this moment
44:49
when it touched us is this, there are many people who are not having
44:52
a good time and well, in what way we can contribute, even with
44:55
an idea, with inviting someone capable, is simply to invite someone to do
45:00
an activity that does not take you too much budget and that you say good
45:04
look. I can, I don' t know. Let' s go
45:08
somewhere, I' ll take care of it. Now then we see next
45:12
month, we see what else we do, we see who else can take
45:15
care of something, get together with friends and do something, see something.
45:22
I don' t know a show at your house, a movie or whatever.
45:24
It' s as simple as preparing pochoclos to darken everything, to change
45:29
the furniture of the place and the guys already got excited about it and many
45:32
times we' re the ones who worry more, and they' re the
45:36
ones who come to bring us some of that simplicity. You are proposing,
45:39
without a doubt, positive exits to avoid the depression that can come just because
45:49
of this inability or inability to access that sometimes leads us to a resentful society.
45:52
No yes, because when we can be seeing others this sl or,
45:57
not guys too many times also compare this question of comparing. Unfortunately, sometimes
46:02
in capitalist systems with neoliberal ideas you get a very economic framework of competition that
46:09
is sometimes complex from the human point of view. No, I don'
46:15
t. There I think you have to be very careful about who you share
46:22
and what ideas you take from other people, because if you only get together
46:29
with people who criticize, with people who complain and with people who do not
46:36
seek solutions, you are going to be a person who criticizes, complains and
46:38
does not seek solutions. However, in recent years I have honestly done a
46:44
lot of cleaning up of people with whom I do not share their way of
46:49
seeing life in general and money in particular, because one ends up, that
46:53
is, we are already at an age when we end up meeting with people
46:57
with whom we agree and the rest goes on for a long time. Now
47:00
it' s up to one to go on. If you just stay with
47:04
the complaint and stay with the neighbors or with the moms or dads at the
47:08
school door to complain and you' re going to be one more who'
47:13
s probably complaining about ideas or solutions or alternatives. They' re going past
47:20
your nose and you' re not going to see them because you' re
47:22
more focused on the complaint than on finding the solution. Of course it'
47:27
s my philosophy for life in general, because money. I am thinking that
47:30
also in relation to money, we had the experience of two thousand one and
47:34
in the two thousand one there was a lot of ingenuity from bartering the possibility
47:38
of markets where one was going to exchange what he had for the other is
47:44
that he also offered even his clear trade to be able to fix something.
47:52
I think we also need to somehow get together and generate some space where you
48:00
can economically promote what the market isn' t giving you. Just like that.
48:05
How many things, how many times does it happen that you meet someone
48:08
is chatting in the warehouse or you heard someone make a comment and it turns
48:13
out that you need an electrician to fix something for you and you, that
48:20
is, you can trade that service for something you do. I' ve
48:22
done it a million times. I like to do it that way with people
48:28
that I think can get to value what I' m giving you and sometimes
48:30
you get even more than if there was money in the middle. But that
48:37
' s a decision you make every day when you get up too sometimes to
48:40
buy something that came out cheaper between you and me. Now wholesalers, the
48:46
school supplies, for example, books. The books they ask of many schools
48:52
are given in December. Others aren' t just giving us now. It
48:57
would have been better if they gave them in December, because we were paid
49:00
far less. But, well, that wasn' t the case in the
49:04
world. Well, yeah, a little bit, no, but, well,
49:06
in my case this year the book wasn' t now, in February.
49:10
But for getting together more than twenty families and buying it all together they
49:15
would give us a 20% discount and send it to the house of a
49:19
mother who offered to collect the money and then give us all the book at
49:23
the school door. It' s an organization piece. You need to encourage
49:28
yourself to that. Yes, we must encourage ourselves, to organize ourselves in
49:31
some way, to re- believe in the other. No, as it
49:35
is, without the other you don' t get anywhere that other tics have
49:38
regarding the purchase of supplies, because I know you' ve had things put
49:44
together there. Well now buy everything you can from everything you' re going
49:47
to need during the year, because many times you just think about what you
49:52
need now. But pencils are worn out, gums are lost, glues disappear,
49:55
they disappear, they went to someone else' s backpack. Whatever it
50:01
is then if, instead of buying a eraser, you now buy four and
50:06
take care of them. Obviously, you know that you' re going to
50:12
have supplies all year round, at February' s price, that we don
50:14
' t really know how much things are going to get out of here by
50:17
October, that you have to replenish something. Common investment funds help a lot
50:21
to go rounding up money all year round. Looks like it' s got
50:24
a name, so it looks like it' s too big and it looks
50:27
like no one' s nesting at me They give me a little bit of
50:28
vertigo. Let' s say because we have had some not very pleasant experiences,
50:35
but I would love for us to come back and in a second chapter,
50:39
chat a little bit about this, not that it' s in particular
50:45
how we invest how little much we want to be able to assert ours in
50:49
the future, because today it seems that if we have something, we have
50:52
to spend it, because then it won' t be worth anything more.
50:52
It' s not true. No, I mean, we can' t
50:55
clearly deny that, but at the same time we' re doing quite possibly
51:01
harm to the future, because we don' t know at a time what
51:06
the situation is going to be, either general or ours in particular. So,
51:09
if we don' t make any kind of mattress any way it is,
51:14
even if it' s invested through a virtual wallet, it doesn'
51:16
t take too much. But if you say well, this is the little
51:21
shelter. Little much I can do so that in the face of a situation
51:25
I got sick and I can' t work for fifteen good days. At
51:30
least I know I' m gonna be able to eat because if we'
51:34
re not too complicated, Celeste Sanchez. Thank you very much, thank you
51:37
very much for or very fast passion. The truth is that yes, yes,
51:39
very very instructive and, moreover, very interesting to get into this world
51:45
and this challenge. Yours is that, as we said before a need,
51:51
you made a great achievement, a great effort to build a school to be
51:58
able to understand us with money. No, yes, do it in order.
52:00
I always say that if my mistakes and my experiences serve to make other
52:06
families pass it faster, well. That' s why I' m here
52:08
to share and help Celeste Sanchez in the home finance ecosystem. Thank you all,
52:15
as always to our operator to the producer Dear Milina Reboa and my name
52:22
is Luis de Giovannino. If they had a good time, they pass in
52:25
saint and sign difúndalo. Over there, well, we meet again. Chamo
52:35
to oxsos fear, ah yes cela charro I am to the help I know
53:22
guan k or what mesa oh suawa put not bad you. Everything can be
54:21
either s even or has thought or a windy cave lifts ship by a dead
55:08
man. Good wachte his death record would not tell me to show the teat
55:30
of ordo ductos ss o a o tan so