Pru Larry

Better to be a millionaire before you get the millions.

Productivity strategies ✨

Our kasambahay for more than 5 yrs. handed me this 2,000 pesos as she bid goodbye to return to Manila para mamasukan bilang family helper.

She: Janelle, lagi kong nakikita yong mga post mo about sa insurance. Hindi ko alam yon at hindi ko naiintindihan pero baka pwede mo ako isali, may natira pa akong pera dito mula sa sweldo ko buong taon.

I was surprised with what she said cause to give you a background she was only able to finish until grade 1 and can barely read and write.

Me: Sige po Auntie. Sure ka na dito? Di ba ipapagawa mo pa yong mga sira sa bahay niyo?

She: Oo, tinabi ko talaga yan para pag nagkita tayo maabot ko sa iyo at ma-explain mo sa akin.

And her next words really broke me.

“Tulungan mo naman ako na wag na matulad sa akin yong mga anak ko at apo ko. Ilang henerasyon na din kaming namamasukan simula pa noon sa nanay ko at noong bata ako. Gusto ko maiba naman buhay ng mga iiwanan ko.”

Grabe! 🤧 Nag goosebumps ako sa sinabi niya.
I was straight up stunned for five seconds absorbing what she said.

I hate working on holidays but at that very moment, I immediately picked up the application form as I explain to her the proposal na pinagkasya ko sa budget and told her na if kulangin, we will cover for the deficit.

Just imagine, thousands of filipinos out there na gustong mabago ang situation nila but financial illiteracy hinders them. My heart and advocacy are with these people.

Si Auntie our helper, barely making ends meet, breadwinner, slowly paying debts, worked for her lifetime, but has a really big heart for her family’s future.

Walang degree pero wais! 💯

Mabuhay mga breadwinners!



Ctto

5 things the RICH don’t want you to know. ‼️😳⚠️

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💯

Imagine a dam na hindi pa bukas.

There's drought everywhere.

Walang tubig.

Patay lahat ng ani.

But when you show up, the floodgates have opened.

By SHOWING UP, crops will never get dry.

And as long as you always show up, blessings will keep on pouring in.

Same with investing.

If you keep on saving Php2000 every month for investment, you are letting the money work hard for you.

If you keep on showing up, and saving consistently, you'll gain compounding interest.

What is that?

It is when you earn interest on both the money you've saved and the interest you earn.

It is like a seed.

You cannot eat it first.

You have to plant it.

You have to water it.

You make sure it gets the ample sunlight and nutrients it needs.

And when the right time comes, you can eat as much fruit as you want to.♥️

P.S. Second time to post this photo on this page for added emphasis 📝

Bank vs. insurance

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A 100 pesos a day can go a long way 👌🏼

Kung saan siya aabot?

Depende sa mindset at sa attitude mo towards spending and saving 😊

THE CHOICE IS YOURS.

Pero in case gusto mong malaman how to make your 100 pesos work for you, walang bayad ang financial planning with me.

Let’s talk and plan your future! 📩

CTTO

Once we decide to be accountable with our current circumstances that would be the time changes for the better could start.

Let’s normalize talking about our finances. Information is the key. Our income is do not determine our value as a person. Being better with our finances could help tremendously our way of living.

I’m one message away. Let’s talk. 📩

Thank you simplesumph for this illustration.

Just an FYI, there's an upcoming Personal Income Tax Rates adjustment under train law on 2023. You can refer on below table for 2022/2023 comparisons.
Under TRAIN, taxpayers earning more than ₱250,000 but less than ₱8 million must pay lower tax rates of 15-30% starting January 2023. The current tax rates are at 20-32%. So this is really good news for most of us!

CTTO: https://www.taxumo.com/blog/dof-new-tax-proposals-2022/
Other source: https://www.bir.gov.ph/index.php/tax-information/withholding-tax.html