Diary Ng Pera

Job Description: Mangamang kada balay 🤔🙄

Don't listen to your friends who say that Healthcare, Insurance, Saving & Investing are all additional expenses. These are the same people who will not pay for your medical bills and help raise your children once you die. Be careful who you listen to. 🎯

Wag po natin i-normalize yung ugali na oobligahin natin or iguilt trip ang ibang tao na tulungan ka, lalo na pagdating sa financial.

Kapag tumulong, e di good. Pero kung wala, wag ka magtampo dahil wala naman syang kahit anong responsibilidad sayo.

May kanya-kanya po tayong problema. Hindi mo alam, marami rin pala syang pinagdadaanan. Di ka lang aware kasi nakafocus ka sa sarili mong problema.

At the same time, bago po tayo manghingi ng tulong sa ibang tao, make sure na gumawa ka muna ng paraan sa sarili mo. Ampangit na umasa ka sa ibang tao habang ikaw, wala ka ginagawang way para masolve ang problema mo.

Hindi po sa lahat ng panahon may tutulong sa atin kaya ikaw mismo, tulungan mo sarili mo 🙏🏻

"LEARN TO SAY NO MANY TIMES OVER"

This guy opened a store and all his friends, family and neighbors bought there and asked for credit.
Few years later, this is all that's left. Sometimes we say yes when we should have said no.

You say yes thinking you're helping people but actually you're losing and giving your hard work and sacrifice, then everyone turns their back on you. Don't Always Say Yes...

Invest in your business and save, be smart, don't let everything be lost.

Wala yan sa laki o liit ng kinikita or sahod mo, pagdating sa Pinansyal.

Marami akong kilalang malaki ang kinikita or sahod pero kulang pa din. May mga kilala din akong maliit lang ang kinikita or sahod pero nakaka IPON pa din.

Nasa tamang kaalaman lang yan sa pag budget at pag invest ng pera mo.

It's not how much money you make, it how much you keep that matters, even you have a lots of money but don't have the right mindset, you will only spend it easily.

Learn to MANAGE, SAVE and INVEST your money in a right way.

Learn here: bit.ly/Free_Guide101

Para hindi tayo kumayod nang kumayod...hanggang tayo'y uugod-ugod...

Ito ang 3 SIMPLE STEPS to FINANCIAL FREEDOM (or Early Retirement):

1) EARN MORE than you spend

2) INVEST that difference into ASSETS that bring in income, then...

3) GROW those Assets UNTIL they bring in ENOUGH Monthly Income (PASSIVE INCOME) that will cover your monthly expenses

Ulitin natin.

1) KUMITA nang mas MALAKI kaysa sa ginagastos,

2) i-INVEST ang sobra sa mga ASSETS na nagpapasok ng pera sa ating bulsa, at

3) PALAKIHIN (at PADAMIHIN) ang mga ASSETS hangga't sapat (o sobra) na ang iyong monthly PASSIVE INCOME.

Kaya nating marating ang Financial Freedom before 50 kapag nagsimula tayo nang maaga.

Without Passive Income, we can never be totally free.

EMERGENCY!!

Isang bagay na ayaw nating mangyari pero kailangan nating paghandaan.

Always be prepared for the 3 IFs of life.

1. What if I die too soon?
- Ayaw nating mawala ng maaga pero hindi natin alam kung kailan tayo kukunin ni Lord. If you are a bread winner at ikaw lang ang inaasahan ng pamilya para magprovide para sa kanila kailangan prepared ka. Kailangan may INSURANCE. Not only bread winners, pero lahat. Lalo na kung mahal mo ang iyong pamilya. Ito kasi ang iiwan mo para sa kanila.

2. What if you live too long?
- Yes! Ito ang gusto nating lahat. Ang tanong, kung sakaling mabuhay tayo ng matagal, may magagamit ba tayong pang gastos? Dito naman pumapasok ang kahalagahan ng INVESTMENT. We need to invest para pagdating ng retirement may panggastos tayo at di tayo aasa sa iba.

3. What if you get sick?
- Paano kung magkasakit? May nakalaan ba tayong pampagamot? Kailangan din maglaan para sa HEALTHCARE. We need to set aside some of our income/salary para kung sakali man may emergency, mayroon tayong mahuhugot.

Lahat ng ito sinasagot ng Kaiser Long-term Healthcare. Ito rin ang aming nirerecommend as our level 1 investment dahil sinasagot na nito lahat ng what IFs natin sa buhay.

Nais mo din bang mag-umpisa sa iyong pag iipon? Connect with us para sa ibang detalye.

Hindi raw sapat ang P500/day na sustento ng Tatay. 😓🤔

Send a message to learn more

"ANG HIRAP I-BUDGET NG 95,000.00"

Seaman at 3rd officer yung husband ko. And ang allotment ko nakukuha is P95,000.00. Bale dyan ko na lahat kukunin bayad sa sasakyan 20,000.00, bayad sa bahay 12,000.00, bayad sa mga extra expenses ng mga anak bills. Lahat po ng gastusin diyan na lahat. Bubudgetin ko na lang. Meron ako dalawang anak, 1 senior high and 1 elem. Ako po ay housewife walang kasambahay.

Hatid sundo mga bata sa school kaya kunsumo ko sa gas is 1k kada week. Ang mahal na ng mga bilihin, kahit SB ngayon 200 na sa isang linggo makaka 1K na. Tanong ko lang ganito din ba nakukuha ng ibang wife na 3rd officer ang husband. Kasi hirap kasi ako budgetin yang pera kasi diyan ko lahat kinukuha lahat ng gastusin. Hindi ko naman pinagyayabang yang allotment ko pero gusto ko lang naman malaman kung malaki ba para samin yang allotment o may mas malaki pa binibigay yung iba sa wife nila. 😭😭😭

Ano say nyo?

Credits to Marino PH

„DO NOT GO ABROAD“

• Don't go abroad if you are not confident.
• Don't go abroad if you can't endure and sacrifice.
• Don't go abroad if you can't persevere.
• Don't go abroad if you are not strong.
• Don't go abroad if you are just complaining.
• Don't go abroad if you can't eat your pride.
• Don't go abroad if you can't bear the sadness.
• Don’t go abroad if you are weak.
• Don't go abroad if you don't know how to approach.
• Don't go abroad if you are not sure why you are going abroad.

BE PREPARED FOR THE NEW JOURNEY YOU WILL TAKE.
Physically. Mentally. Emotionally. Spiritually.

Life abroad is never for the faint heart. You’ll be out of your comfort zone - out of the familiar, safe place you’re used to.

Here, the life of your sorrow will eat you up; you will cry suddenly for no apparent reason.
You’ll get frustrated a lot of times.

You can't help but compare your life then in the Philippines with your life now here abroad. You’ll even start giving up on yourself. And you’ll start questioning if you’ve really made the right decision.

You will adjust-to a new life, a new environment, a new person, and a new job.

If you were in the Philippines, you were the boss and you were already at the top, here you will start again at the bottom.

If you apply pride, nothing will happen in your life. Not everyone is lucky enough to find a good job with a big salary.

The others, have graduated and been able to work in a good company in the Philippines but when they come here they will be able to enter any job - waiter, driver, receptionist, kitchen assistant, saleslady and others.

Here, it doesn’t matter what your job is; the important thing is that you support your family with every shipment you make. ♥ ️

.

DO YOU WANT TO BE AN INVESTOR OF JOLLIBEE!?

If you don't have millions of money to franchise, why don't you just become an investor and ride the growth of Jollibee?

For only P1,000 you can be an indirect shareholder of Jollibee (and other blue-chip companies) thru Mutual Funds. And you can top up for as low as P20 anytime & anywhere!

Do you want to know how?

Remember: Financial Education is not only for the Wealthy. It's for Everyone.