30/08/2023
๐ ๐๐จ๐ง๐๐ฒ ๐๐ข๐ฌ๐ญ๐๐ค๐๐ฌ ๐๐จ๐ฎ ๐๐ฎ๐ฌ๐ญ ๐๐ฏ๐จ๐ข๐
๐ญ. ๐๐ฒ๐ฒ๐ฝ๐ถ๐ป๐ด ๐ฎ๐น๐น ๐บ๐ผ๐ป๐ฒ๐ ๐ถ๐ป ๐ผ๐ป๐ฒ ๐ฎ๐ฐ๐ฐ๐ผ๐๐ป๐ - hindi naman kailangan maging mayaman para magkaron ng multiple bank accounts, the goal is to have separate money in ATLEAST 3 bank accounts ( Revolving fund, Emergency Fund, Savings ) para hindi mo nauubos ang pera mo kakabili ng milk tea
๐ฎ. ๐ก๐ผ๐ ๐ง๐ฟ๐ฎ๐ฐ๐ธ๐ถ๐ป๐ด ๐๐ผ๐๐ฟ ๐ฒ๐
๐ฝ๐ฒ๐ป๐๐ฒ๐ - whatโs measured, gets improved. Itโs critical that a person knows how much is coming in and how much is going out, this way malalaman mo if you need to adjust your expenses or add more income.
๐ฏ. ๐๐ป๐๐ฒ๐๐๐ถ๐ป๐ด ๐๐ถ๐๐ต๐ผ๐๐ ๐ฟ๐ฒ๐๐ฒ๐ฎ๐ฟ๐ฐ๐ต - karamihan sa atin, pag chinismisan ni beshy na yung 30k mo eh magiging 40k in just 1 week, tapos wala kang gagawin, aba! Nagkakapera si beshy! The rule is to NEVER INVEST IN SOMETHING YOU DONโT UNDERSTAND. Para iwas scam bes
๐ฐ. ๐๐น๐น๐ผ๐๐ถ๐ป๐ด ๐ฑ๐ฒ๐ฏ๐ ๐ถ๐ป๐๐ฒ๐ฟ๐ฒ๐๐ ๐๐ผ ๐ฐ๐ผ๐บ๐ฝ๐ผ๐๐ป๐ฑ - pay your debts on time para hindi na mag interest kapatid, and if you currently have loans, pay off the biggest interest first, hanggang mabayaran mo lahat.
๐ฑ. ๐ก๐ผ๐ ๐๐ฎ๐น๐ธ๐ถ๐ป๐ด ๐ฎ๐ฏ๐ผ๐๐ ๐บ๐ผ๐ป๐ฒ๐ - ang Pinoy, takot pagusapan ang pera, at isa ito sa mga malalaking pagkakamali ng karamihan, if we are open about talking about money, we can learn from other peopleโs experience, and learn how to improve our finances, and maybe get strategies on how to earn more money
๐ฒ. ๐ก๐ผ๐ ๐ฝ๐น๐ฎ๐ป๐ป๐ถ๐ป๐ด ๐ณ๐ผ๐ฟ ๐๐ต๐ฒ ๐ณ๐๐๐๐ฟ๐ฒ - according to NEDA, 87% of Filipinos have no retirement plan.
75% of seniors are living poorly
15% are just gettung by
and 9% are living comfortably
and only 1% are living in luxury.
What you can do today is to start planning your future by saving and investing more, kung wala ka pang pang invest ngayon, check your expenses if meron kang pwedeng alisin na unecessary expenses, if wala, generate more income.
If this post helps, share this to your friends!
John Greg Parilla
Licensed Financial Advisor