Money Appreciation

09/10/2024

Most of us did not receive formal education regarding personal finance that is why most people do not know how to budget or do not even budget their money. Budgeting can be very stressful if you don't know what you're doing and time consuming if you don't know where to start. Talk to you trusted financial advisor or financial planner to help you budgeting the right way. 🤝

24/09/2024

"If you are constantly afraid of your money, that is going to negatively affect the way you navigate with money. If you are someone who has this awesome mindset of abundance and growth, that is also going to affect the way money shows up in your life." -Get Smart with Money

18/09/2024

Having a strong financial foundation before creating wealth can save you from financial headaches when life unexpectancies occur.

31/08/2024

Track your spending - Knowing exactly where you're money is going can help you identify things you don't need or are overspending on.

30/08/2024

Having the skills and knowledge to make sound financial decisions is critical in achieving financial freedom. Your knowledge will also determine your ex*****on.

10/10/2023

Personal finance management is a skill that everyone should master; having a strong foundation of how you understand and manage your money puts you in a huge advantage in life.

11/11/2022

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25/10/2022

18/10/2022

Nagka-Amnesia yan? 😅

12/10/2022

Kung may life insurance ka na at gusto mo malaman gaano ito tatagal para ma-sustain yung pangangailangan ng pamilya mo. I-divide mo lang yung total life insurance coverage mo sa annual income mo.

For example, ang life insurance coverage mo P1M at ang annual income mo ay P360K. >>> P1,000,000 life insurance coverage / P360,000 annual income = 2.78

Ibig sabihin niyan less than 3 years lang tatagal yung life insurance coverage na maiiwan mo para sa pamilya mo.

Ang rule of thumb sa life insurance ay dapat meron kang 10 years worth of coverage based sa income mo. So kung ang annual income mo ay P360,000. >>> P360,000 x 10 years = P3,600,000 dapat ang life insurance coverage mo.

Ang ibig sabihin lang niyan ay merong 10 years worth of income para sa pangangailangan ng pamilya mo kapag nawala ka.

Marami pang factors ang kailangan i-consider pagdating sa pagdetermine ng life insurance coverage. Tulad nalang ng budget mo, income ng asawa mo, income sa mga business mo kung meron man, mga savings at investments mo, yung education ng anak mo at mga utang mo kung meron.

So kung gusto mo talaga malaman exactly kung magkano ang kailangan mong life insurance coverage, let's do an online insurance planning via zoom. Free lang naman, PM ka lang! :)