Save and Invest for a Better Future

"Blessed is that servant whom his master will find so doing when he comes."

"Whoever can be trusted with small things can also be trusted with big things.

Whoever is dishonest in little things will be dishonest in big things too.

If you cannot be trusted with wordly riches, you will not be trusted with the true riches."

-Luke 16:10-14

5-10% will do.
Rest is also essential. 😊

Ctto 📷

If you want to avoid TRANSFER FEES to save, follow this. 🙂

Transfer Money Fee and how to get it for FREE.

This is all what it takes.

This applies to any debt that's not a mortgage.

You've got to prioritize doing what it takes to get debt out of your life FAST. Your financial future depends on it. The faster you get out of debt, the faster you'll gain the power of your largest wealth-building tool — YOUR INCOME.

Trust me, if you will sacrifice for the short term, you can build wealth for the long term. Live like no one else now, so later you can live and give like no one else!

10 FINANCIAL ADVICE from Chinkee Tan

1. Huwag kang bumili nang mamahaling cellphone. Dahil laging may bagong lalabas na new model na mas higit pa sa nabili mo. 📱

2. Huwag kang mangungutang para lang may maipagyabang. Kung mangungutang ka man, gamitin mong puhunan sa negosyo para lumago 💼

3. Huwag kang masilaw sa mga naka-sale o free delivery. Kahit gaano pa kamura yan, sayang lang kung itatambak mo at hindi mo magagamit.

4. Huwag kang bumili ng bagay na hindi mo pa afford. Pag-ipunan mo ito hanggang sa kaya mo nang bayaran in cash. Sayang ang interes kung ipapangutang mo lang 👔

5. Ipunin mo ang pera kahit pabarya-barya. Kapag pinagsama-sama mo yan malaki ang maiipon mo kaysa wala. Tandaan na walang isang libo kung kulang ng piso. ⌚

6. Huwag kang mamasyal kung ipapangutang mo lang. Pag-ipunan mo muna ang travel fund. Mahirap mamasyal nang may inaalalang utang dahil hindi ka mag-eenjoy. 👙

7. Huwag ka munang bibili ng kotse kung hindi mo ito pagkakakitaan. Lalo na kung wala kang parking space. Tandaan na nagde-depreciate ang value nito pagtagal🚗

8. Huwag kang bibili nang bahay kung hindi mo pa afford bayaran. Dapat ay may budget ka pa rin sa mga appliances at iba pang expenses. Maraming bayarin bukod sa bahay 🏫

9. Needs = Mga bagay na kailangan mo para mabuhay nang maayos. Wants = Mga bagay na kahit wala ang mga ito ay mabubuhay ka naman. Kaya laging unahin ang needs over wants.

10. Tandaan na hindi masama kung ikaw ay maging Kuripot dahil ang pera mo ay hindi pinupulot 🗂️

GET YOUR FREE PISO PLANNER!: https://chinkshop.com/pages/bbb

How you invest will ultimately dictate the quality of your future life.

#NoNonsensePersonalFinance Steps to Financial Peace

The cardinal rule on building wealth is this – “Spend less than what you earn and invest the difference.” The first and most difficult hurdle is often the spending less part. I’ve always believed that there are only two forms of an expense – its either a need or a want. Lo and behold, most people I know (me included) who had a problem having a healthy cash flow are those who have difficulties controlling their ‘want’ expenses. In extreme cases, I’ve witnessed some people bring down their ‘need’ spending just to maintain their ‘wants’ – yikes!

The prudent thing to ensure we will have a healthy cash flow (where inflow of cash is far bigger than its outflow) is for us to be sensible in the way we spend. There is really nothing wrong on spending on ‘wants’ but when those spending are causing you to have a very unhealthy cash flow or worse, being in debt, it’s time to STOP.

Whatever you do, whether you eat or drink, do it all for the glory of God. ❤️❤️❤️

Work with purpose because work is from the Lord.

We each have work to do. Everything we do — from the way we work to how we talk — is an act of worship to God.

One of the reasons we work is to experience happiness in God (Ecclesiastes 3:22). When we exert energy to complete a task, there is joy from accomplishing something. God is the source of all work; our meaning is found in Him, no matter what work we’re doing.

Work also gives us the financial means to meet our needs, help others and worship Jesus. By working toward something and earning a living, we are building a life of freedom. Freedom is the ability to live according to God’s directions rather than according to the restrictions of our debts or obligations. Working is how God has designed us to live in this freedom.

God wants to do work in you, not just make you accomplish tasks. Perhaps you’re in a difficult job with challenging co-workers and impossible tasks. It may be a chance for you to grow in faithfulness, dedication and overcoming conflicts. When we work, our character is built and we’re better equipped to do more work God calls us to in the future.

Ultimately, our jobs are about stewardship. We’ve been given great opportunities to use our minds, bodies, creativity and attitudes that God has allotted for us. Be responsible and grateful for the resources and abilities you have. Work because you’ve received a task from Jesus, not just for a paycheck.

“And whatever you do, in word or deed, do everything in the name of the Lord Jesus, giving thanks to God the Father through him.” Colossians‬ ‭3:17‬ ‭ESV‬‬