Your Financial Nanny

Let me be a part of your life.
May FA ka na, may friend ka pa. 💞

Sabi ni Jack Ma, Number 1 richest man in Asia and Number 18 richest man in the world👌

If you are at least 35 years old and you are still financially broke meaning no savings... You deserve it.

You want to know why there are a lot of poor people? It's because when they see opportunities, they spend their time doubting it.

Most poor people don't want to try new career or new business opportunities because they think of what would other people say if they go for this opportunity. Poor people live their life with fear. Successful people are courageous and brave and love taking calculated risks.

If you're an aspiring entrepreneur, this is a reminder for you,,

TAKE THE RISK OR LOSE THE CHANCE.

This is true. 👍
Life is short. 🥺

Today you are here.
Tomorrow, uncertain. 🤷‍♀️

Knowing the possible streams of income is the more realistic approach to reach our financial goals. 💰💵💸💶

It is true that saving money is good but that alone won’t give you the best solution to attain your 5 or 6-figure goals. 😳

Understanding these two types of income may help you realize that there are other things that you can do to achieve that financial independence that you've been dreaming of. 🤔

What's your everyday mantra? 🤔
How do you motivate yourself? 🤔

Oh girl! Just in case you are unaware, someone 𝑙𝑜𝑣𝑒𝑠 you and 𝑏𝑒𝑙𝑖𝑒𝑣𝑒𝑠 in your abilities.

💡 Remember that you don’t need any validation from other people because you are great and you know what you can give to our community.

Let's all embrace our color, shape and size without fear – we are all brave and strong! 💞

Love love,
Cza 💋

This may be a cliche, but 🇾 🇪 🇸 you can plan for the unexpected.

Having a strong financial plan, that includes life insurance, will help you prepare for any emergency and give you peace of mind. 👌

𝙄𝙣𝙨𝙪𝙧𝙚 𝙮𝙤𝙪𝙧 𝙛𝙖𝙢𝙞𝙡𝙮'𝙨 𝙛𝙪𝙩𝙪𝙧𝙚.

Imagine if something happens to you, would your family’s future be financially secure? 🤔

One of the best ways to ensure this is to have the right type and amount of insurance protection. 👍

Over time your insurance protection needs will change. That’s why you should review your protection needs with an advisor every 10 years, or whenever a major life event occurs

I'm just here. Book a zoom meeting with me and let me help you plan your family's future ahead.💞

Ehem. 🤣

Ikaw, if you are going to describe yourself in 3 words, sige 4 words na din. 😁

🄶🄰🄼🄴! Let's see how you see yourself and lift each other's qualities. 💞

Put yours sa comment section. ⤵️

🅗🅞🅦 🅓🅞 🅨🅞🅤 🅡🅔🅦🅐🅡🅓 🅨🅞🅤🅡🅢🅔🅛🅕?

Ako dati (before pandemic) pumupunta sa massage spa at nagpapa-whole body massage o kaya paayos ng buhok or treat myself to an expensive meal once in a while. 💇‍♀️💅💆‍♀️🍛🍜

Natanong ko kasi sabi ng iba when one person is serious in saving, she or he can never go out and do anything, which is so far from the truth. 🤩

📌 We should allot budget for ourselves once in a while, and this helps us avoid overspending.

👌 And when you do this, you have the money you want to spend on getting your hair done, finally buying that pair of shoes you’ve been wanting, get a whole body massage or go for a vacation.

🅂🄴🄻🄵-🄲🄰🅁🄴 🄰🄽🄳 🅂🄴🄻🄵-🄻🄾🅅🄴 are having its moment right now.

💁‍♀️ When many of us are working to make ends meet or support our family, passions, and trying to find time to spend with friends and family, we need a little time to take care of ourselves.

💆‍♀️ Feel renewed and away from stress and anxiety.

❤️ Start each day by telling yourself something really positive.

👏 How well you handled a situation, how lovely you look today.

😊 Anything that will make you smile.

Just go ahead, let yourself loved, pampered and taken cared of. You deserve it. 💞

The idea of not spending might make you feel that you're starving yourself to the things you like and want in life. 🙇‍♀️

Being not happy and not contented with what you have sometimes leads to feelings of inadequacy and self-loathing when it seems like everybody else's life is more fun and exciting than yours. 😩

✅✅✅ The fact is, people who have more money in the bank and aren’t stressing about living paycheck-to-paycheck are living a lot happier of a life. 🥰😍🤩

So yeah, stay positive in life, 𝔹𝔼 ℍ𝔸ℙℙ𝕐 with whatever wealth you have and live within your means. 🙌

Have a "🅓🅞 🅝🅞🅣 🅢🅟🅔🅝🅓" time for shopping. 🛒

📌 Set a time, day or month where you will not spend for unnecessary things. 📆

💡This tends to make you think more about your expenses and what is and isn’t necessary for your life.

Let me know if this works for you. 😍

𝙈𝙞𝙣𝙨𝙖𝙣 𝙗𝙖 𝙣𝙖𝙜𝙩𝙖𝙩𝙖𝙠𝙖 𝙠𝙖 𝙗𝙖𝙠𝙞𝙩 𝙮𝙪𝙣𝙜 𝙞𝙗𝙖 𝙢𝙖𝙮 𝙥𝙚𝙧𝙖 𝙩𝙖𝙥𝙤𝙨 𝙞𝙠𝙖𝙬 𝙬𝙖𝙡𝙖? 🤷‍♀️

Basahin mo 'to and then assess yourself if anong ginagawa nila na dapat yata ay inumpisahan mo na rin. 🥳

A prudent person is always conscious of making the best out of just a little. And they don’t use much to buy groceries, pay the bills, and purchase other necessities. Yung iba di ba naglilista, may planner pa para wag sila sumobra sa alloted budget nila? 📝

This all takes commitment and determination to make much out of little. 👌

While sitting down to create a budget might not be the most fun, it will definitely benefit you in the long run. So go ahead, see how you can best save money in your life.

Check my FB and IG posts to see some habits that may help you with your finances, and let me know how it goes! 💞

𝓚𝓾𝓷𝓰 𝓱𝓲𝓷𝓭𝓲 𝓷𝓰𝓪𝔂𝓸𝓷, 𝓴𝓪𝓲𝓵𝓪𝓷??
𝓚𝓾𝓷𝓰 𝓱𝓲𝓷𝓭𝓲 𝓲𝓴𝓪𝔀, 𝓼𝓲𝓷𝓸??

My friend, always remind yourselves to save. 🧏‍♀️

People who always have money take savings seriously!

They never joke 🤡 around with their savings.
Every peso counts!

It's really is a great way to remember to put your extra money into savings. 🏛️

Go ahead and plan yours now.📋

𝕂𝕒𝕥𝕚𝕟𝕘-𝕜𝕒𝕥𝕚 𝕟𝕒 𝕓𝕒 𝕜𝕒𝕞𝕒𝕪 𝕞𝕠 𝕞𝕒𝕘𝕔𝕙𝕖𝕔𝕜-𝕠𝕦𝕥?

Here are 2 🅃🄸🄿🅂 that you might want to read first before you hit that 𝕔𝕙𝕖𝕔𝕜-𝕠𝕦𝕥 🛑.

✅ Wait for the items in your cart to go on sale before you buy it.

✅ Give yourself 2 weeks to see if you still want it.

Do this and see how it will save you from buying things that you don't really want or need. 💞

💳 If using credit card is inevitable for you since it offers convenience, rewards and protections, make sure to use them responsibly and avoid overspending.

💳 Credit cards tend to charge high interest rates, which can drag you deeper and deeper in debt if you're not careful.

💡𝙏𝙞𝙥𝙨 𝙞𝙣 𝙐𝙨𝙞𝙣𝙜 𝙔𝙤𝙪𝙧 𝘾𝙧𝙚𝙙𝙞𝙩 𝘾𝙖𝙧𝙙𝙨 𝙒𝙞𝙨𝙚𝙡𝙮

📌 Read the Terms and Conditions carefully.
📌 Only spend what you can afford to pay off monthly.
📌 Check your card and sales slip after every purchase.
📌 Protect your credit cards against theft and fraud.
📌 Monitor your card activity regularly.
📌 Do not make cash advances if possible.
📌 Pay your all monthly bills in full.
📌 Pay your credit card bills on time.
📌 Do not use your card when you cannot pay in full.

Let me know in the comments section if this is something that you do. 💞

Banks, loan sharks and lending companies interest rates are high, making your purchases more expensive. 💎

For example, if you buy something for ₱4000 with a 3.5% interest rate per month, that's additional ₱140 on top of your credit. What more if the interest is at 15%? 😱
And do not forget the charges for late payment, over the limit and if you pay only the minimum amount every month. 🤷‍♀️

🅣🅘🅟: If you don’t have the money to pay cash for something in the first place, then you probably don’t want to make it more expensive by adding interest to the price.

We have the power to stop the spread of Covid-19.
Wear a mask and save lives. 💞

Your Financial Nanny updated their website address.

We get insurance to secure our loved ones future.
For them, from you. ❤️

It's not too late to start saving. And investing.. 👌

Insurance protects you and your assets from the financial risk of something going wrong.

Yes, it can't stop something from happening, but if something unexpected does happen that is covered by your policy it means you won't have to pay the full cost of a loss. ❤️

We are not getting any younger and we will never be.

Time flies so fast but are you prepared now?
Let me help you to start save NOW.

YAYA NOON, FINANCIAL ADVISOR NA NGAYON ♥️♥️♥️
Kwento ko lang nakakahiyang journey ko na ayaw ko i-share..
DATI. HINDI NA NGAYON. 😜

Our life was a lot better when we were kids. Mall, Uniwide grocery every weekend, gala, sine at kain lang buhay namin no'n magkakapatid. May yaya din kami kasi busy palagi non sina Nanay at Tatay. Our Tatay that time was a Vice-President of a big bag company and Nanay had food business that got bankrupt when my sister got hospitalized and had to take maintenance to cure her.

In 1997, our father died. I was on my first year in high school. Our financial struggles worsened. Si Nanay lang halos lahat. Nagtitinda ng ulam sa bakuran namin, naglalaba at nagsisilbi mga kamag-anak at sa ibang tao para may maiuwi syang pagkain sa'min pagkatapos. Kami ng kapatid ko na si Icha, naglalako ng turon at banana que at nagtitinda ng yosi, Php 1.50 pa isang stick non. 😂

Naalala ko pa dati sumasama ko sa kaibigan ko maglaba sa Cubao para may pang-swimming ako kasama mga barkada namin. Ayoko kasi nanghihingi kay Nanay ng pera kasi alam ko hirap talaga kami. Naglinis ng bakery. Naglinis at nagpintura ng lapida sa Loyola Marikina. 😊

When I finished high school, I needed to stop for 2 years to give way to our eldest so she can finish college.

Those were the years when I worked as a saleslady for a year kina Kuya Ed and Ate Rose (HELLO NGA PO PALA SA INYO 🙋‍♀️NAPAKABAIT AT NEVER NILA KO NA TINRATO NA IBA) and when their liquor/ukay-ukay store closed, they got me for their house as a maid for another year. The funny thing back then was I don't even know how to do the laundry. 😂 Ang baho ng damit kahat may fabric conditioner. Marunong ako sa maraming bagay pero sa paglalaba, olats talaga. Haha. (pero ngayon alam ko na bakit, kwento ko sa ibang araw 😂😅🤣).

Tapos tuwing nanganganak si Ate Weng, kinukuha nila ako para magbantay sa ospital at mag-yaya naman tuwing summer at walang pasok sa school. Dalawa lang anak nya ahh, nililinaw ko lang. Baka mag-react sya e. HELLO ATE WENG 😂✌️

Nung time na yun nahihiya ako sa trabaho ko. It's respectable, yes! It's dignified, sobra!
But as a teen that time, iba ang tumatakbo sa isip ko.

I NEVER DREAMT OF IT.
AYOKO YUN.
HINDI YUN ANG GUSTO KONG MANGYARI SA BUHAY KO. 😢

WE REACHED THE POINT THAT WE HAD NOTHING TO EAT.

I WAS LEFT WITH NO CHOICE.
SO I STAYED.

After 2 years working with them, I told myself I had to do something to continue my studies.

I looked for scholarships where I can submit an application or had to find someone who will finance my studies.

Mama Alice was the answer, she supported me. Thanks to my friend Ella for introducing me to her. Two semesters had passed and Mama Alice can't support me anymore. Kinausap ko si Nanay tungkol don, sabi nya igagapang daw namin. At ayun nga, naigapang namin ang pagkokolehiyo ko at nakatapos ako, nakapagtrabaho as call center agent, got promoted as Quality Analyst, nagsideline as real estate agent, nung magkapera nag-aral maging professional makeu-up artist and when I finally realized that I'm getting financially stable, I applied and passed the licensed to be a Financial Consultant under Insurance Commission.

Sabi ko noon sa sarili ko na wala pa kong karapatan na mag-advise sa ibang tao about money matters or financial goals dahil ako mismo hirap sa bagay na yun.

PERO IBA NA NGAYON. 🙅‍♀️ (parang ang yabang ko dito 😂)

For more than 3 years being an FA, I'm now more confident kasi marami na rin akong na-accomplish at patuloy na ina-accomplish. Sobrang saya ko sa lahat ng hirap at experiences ko dati kasi nagbunga sila paunti-unti. Nakakatulong ako sa family ko, sa ibang tao at patutuloy ko naabot mga pangarap namin unti-unti.

Kaya KUDOS sa lahat ng Yaya, Tindera, Katulong at lahat ng nagpupursige para sa pamilya nila! Wag natin ikahiya yan dahil ang mahalaga e patuloy tayong lumalaban ng patas sa buhay!

Ang masaya pa sa pagiging FA e mas marami akong nakakausap na tao na marami ding pangarap. 👩‍🏫

Ang sarap sa pakiramdam whenever I talk to them about their dreams and how I can help them to achieve it.

Very noble. Very fulfilling!! ♥️♥️♥️

HANGGANG NGAYON, WHENEVER I HAVE EXTRA MONEY I MAKE SURE TO INVEST IN A NEW SKILL OR KNOWLEDGE.

So tara? Let's learn and grow together!

Love,
Cza 💋