Charlene Hamoy, Licensed Financial Advisor

06/08/2024

Your talent, hard work, and perseverance make us all proud! Thank you for inspiring us to dream bigger and to do better! Congratulations Carlos Yulo for bringing home not one, but two gold medals! 🥇

17/07/2024

17/07/2024

For Millennials, you are not getting younger and with age comes a multitude of complications. Acts of self-love are important. Here’s a wishlist of self-love acts that you might want to undertake or acquire.

15/07/2024

When you've got the guts to chase your dreams, they've got a knack for becoming your reality. Life's a constant journey of rolling up your sleeves, facing challenges head-on, and refusing to quit.

Remember, your dreams deserve your very best effort. Keep pushing until they're your reality!

Happy Monday!💚

15/07/2024

Future-proof your retirement with confidence when you get Freedom, which comes with guaranteed cash benefits and life protection to shield yourself from uncertainty. ​

Learn how we can help you maximize your savings: https://bit.ly/45U5x1N

24/06/2024

How much time are you willing to give others without asking for anything in return? Can you mentor someone? Can you stop what you’re doing to assist someone who’s struggling? It’s up to us whether we choose the time we have to give to others.

21/06/2024

Prepare for life's best experiences, like well-deserved trips or vacations. With Freedom, get guaranteed cash payouts you can use to fund your travels, along with protection you deserve.
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Learn how we can help you maximize your savings: https://bit.ly/3XfZkej

20/06/2024

Looking for a way to earn better through a fulfilling career?

Join Manulife as a Financial Advisor and make a significant difference in the lives and futures of Filipinos today.

Learn more at https://bit.ly/3VfoYy6

16/06/2024

We celebrate the enduring support and boundless love of everywhere this Father's Day.

12/06/2024

Happy Independence Day, Philippines!
May your path to self-freedom be as steadfast as our nation's independence.

10/06/2024

Secure your future with Freedom. Get guaranteed returns — for education, retirement, and everything in between — with protection every step of the way. ​
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Learn how we can help you maximize your savings: https://bit.ly/3yMXjvY

01/06/2024

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How to Spend Money When You Are in Your 20s – 40s? 🤔

I have a very simple structure for it. It is broken down into the 50/20/30 rule, which is:

📌 NO MORE THAN 50% of your earnings should go towards your BASIC NEEDS. These are your essential expenses such as rent, utility bills, and groceries.

📌 AT LEAST 20% should go towards a Financial Foundation. This means life insurance, emergency funds, retirement savings, child savings accounts, and any other form of UNTOUCHABLE long-term savings. This money is reserved for your future—a fallback fund you never touch until you reach an age where you cannot work anymore, and it's the money you rely on.

📌 THE REMAINING 30% is for the expenses you choose to create comfort and enjoyment in your life.

Once you start living with this rule, where you force yourself to spend only 80%, you will reach a point in life where you believe you WILL NOT be able to spend any more of it. And that's when your saving ratio will increase.

Remember, a penny saved is a penny earned! So budget yourself, do the math, and start saving AT LEAST 20% of whatever you earn from now to secure a better future. Otherwise, you're certainly heading for trouble, or even worse, you're already up the creek without a paddle…

Speak to a Financial Advisor today to learn more about how you can allocate 20% of your savings towards a Financial Foundation smartly! 💯