SAVE and Invest Wisely

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Beautiful sunset in Brescia ❤️

WHEN IS THE BEST TIME TO SAVE AND INVEST YOUR MONEY?
(A Must Read)

How long have you been putting off your plan to save and invest? Parang alarm lang na pilit mong snsnooze. GISING NA! 🙂 Sayang ang oras. Basahin ang kwento ni Petra the Procrastinator

January
Petra: Gusto kong gawing part ng New Year's Resolution ko yung mag save and invest. Sisimulan ko na talaga. Bayaran ko lang lahat ng mga natirang utang from December tapos mag simula na ako.
Friend: 😐

February
Petra: Pasensya na di ako nakasimula last month. Try ko this month kaso siguro after Valentine's Day.
Friend: 😦

March
Petra: I'm sorry, di parin ako nakakasimula. Graduation season. Nag promise kasi ako sa kapatid ko na bibigyan ko siya ng regalo. Next month, push na!
Friend: 😮

April
Petra: Sorry, may out of town trip kasi next month. After that I'll start investing na talaga.
Friend: 😓

May
Petra: Naparami yung gastos sa out of town trip last month e. 😭 Wala ng matitira sa akin if invest ko pa. Maybe by June, I can start.
Friend: 😑

June
Petra: Nakalimutan ko, meron nga pala kaming mid year event sa company. May mga kailangan bayaran. Hindi parin ako makakapag save.
Friend: 😣

July
Petra: It's the start of the rainy season! Kailangan ko muna mag tabi for emergencies. Maybe by next month, I'll start saving.
Friend: 😔

August
Petra: I heard it's ghost month so it's probably not a good time to invest? Next month!
Friend: 😰

September
Petra: Hala! It's my dad's birthday. We're planning to surprise him with a simple birthday celebration. Hmm, maybe by October. Bonus na!
Friend: 😨

October
Petra: Friend, sorry. Alam ko matatapos na yung taon. Pero gusto ko kasi sana muna bayaran yung mga utang ko pa. Baka by November mas makaluwag na konti.
Friend: 😳

November
Petra: Kailangan ko sana yunng pera pang bili ng mga regalo e. After Christmas na siguro.
Friend: 😭

December
Petra: UHMM, December na. Alam mo namang maraming gastos. By January na lang siguro ako mag start.
Friend: 🤒

- - - - - - - - - -
Credit to Chai.

Tandaan:
Sa bawat pagpapaliban mo, malaki ang nawawala SAYO. Hindi para sa akin ang bawat EXCUSES mo, again, para SAYO yan. Pero hindi pa naman huli ang lahat, pede kang magsimula NOW na para makabawi sa panahon na nasayang.😊

Message me🙂

May dalawang klase ng Income –
ACTIVE INCOME and PASSIVE INCOME

Ang ACTIVE INCOME ay income na kinkita kapag nagta-trabaho, kinakailangang magpawis at magbanat ng buto.

Ang PASSIVE INCOME naman ay income na kinikita kahit hindi nagta-trabaho.
May anim na klase ng passive income – rental income, interest income, dividend income, capital gains, royalties at pension.

Rent
Ang rental income ay ang perang nakokolekta bilang kapalit ng paggamit sa isang ari-arian. Ang pinakasikat na rental income ay ang paupahan ng tirahan tulad ng condo, apartments, dormitory at boarding houses.
Maari ding pa-rentahan ang iba pang ari-arian tulad ng sasakyan at mga kagamitan sa negosyo o equipment.

Interest
Ang interest income naman ay kinikita kapag nagpapautang at kapag naglalagay tayo ng savings deposit sa bangko. Hinihiram ang pera sa loob ng nakatakdang panahon at babayaran ng ito ng interest bilang kapalit.

Dividend
Ang shares of stock sa korporasyon at share capital sa kooperatiba ay kumikita ng dividend. Kapag nag-invest sa isang negosyo at ang usapan ay magkakaroon ng paghahati-hati ng kita o profit sharing, maari din itong ituring na dividend.

Capital Gain
Ang capital gain ay ang kita sa pagbebenta ng ari-arian o ng investment. Halimbawa, ang lupang binili ng PhP1 million at naibenta ng PhP1.5 million sa loob ng isang taon ay kumita ng capital gains na PhP500,000.
Maari ding kumita ng capital gains kapag nagbenta ng shares of stock sa korporasyon, share capital sa kooperatibe, mutual funds at unit investment trust funds.

Royalty
Ang royalty ay income na binabayad sa isang taong may legal na pagmamay-ari ng copyright, patent, franchise o ari-arian ng mga gustong gumamit ng mga ito para pagkakitaan.

Halimbawa, ang mga manunulat o author ay karaniwang nakakatanggap ng royalty sa kanilang librong isinulat.

Pension
Ang pension ay regular na income na matatanggap pagdating ng retirement age. Ito ay galing sa kontribusyon ng employee (at kadalasan may counterpart ang employer) sa isang investment fund noong nagta-trabaho pa siya.

Ang Social Security System o SSS ay isang uri ng pension, Maari ding kumuha ng mga pension plans sa pribadong organisasyon.

Magsimula nang maaga

Masarap kumita ng passive income. Kaya habang maaga, gamitin ang active income para makabuo ng passive income.

Hangga’t makakaya, iwasang gastusin lahat ang active income.

Hangga’t maari, i-invest muna ito para magkaroon ng passive income. Kung ako sa inyo, pagtutuunan ko ng pansin ang anim na paraan ng pagkakaroon ng passive income.

After a long years of your services in the company, you will retire too.
So plan for your Future, SSS is not enough to sustain your lifestyle today and tomorrow.

Send me a message if you want to learn more about Passive income! 😊

Ctto

Grabe talaga. Saan aabot ang 20 pesos mo? Small "gastoses" can sink millions. 🙂

P20/day can be P3.5 million in 35 years (compounded at 12%/yr)!

May opportunity na tayo to invest for as low as 20 pesos!
Take 100% responsibility for your future. ❤

P.S. Figures are for illustration purposes. But look how much you can accumulate. Di na drawing! 🙂

Attend our financial class to know more! ❤

Credits to Francis John Edades

Prevention is better than cure.

Habang bata pa, malakas at may active income ito ang magandang pagkakataon para paghandaan ang kinabukasan.

Bilang breadwinner ng pamilya, it is our responsibility to be healthy para sa kanila.

Protection in any uncertainties like death, sickness, accidents and the likes is mandatory.

Message me for more details.

-ctto-

"If you seek money first, growth may not follow.

If you seek growth first, wisdom, blessing, abundance and prosperity will follow.

- Bro. Bo Sanchez

GET A FREE copy of this great life-changing book. Limited! And increase your financial intelligence by getting financial education thru our Free Financial Classes online.

Download here:👇
https://94317ph.imgcorp.com/free-ebooksavingandinvesting/

ctto Ford Delicano Estelloso