Save Protect Grow - Financial Education

This bagger’s shoes were one inch bigger than his feet. 😭

By the end of my grocery run, I had three carts that were overflowing and it took me quite awhile to finish. Nabusy lola ninyo nung January eh, so my kids were already saying we will die soon 😝. Ayun sobrang dami tuloy ng kailangan i-restock.

I noticed however that this bagger’s work was so pulido. He was organized, made extra effort to make sure the boxes were secured with the straw ropes, and he worked fast! By the time, we were supposed to load the stuff in my car, walang ibang baggers na available para makatulong sa kanya. So he ended up pushing two carts and I pushed the other one. As we were walking, napansin ko that he was shuffling his feet. Sobrang luwag ng shoes nya 😥.

After he loaded the stuff, I gave him money to buy shoes. And then told him na maayos sya magtrabaho, ituloy nya lang. tapos wag nya ibigay sa nanay nya yung pera 🤣🤣🤣. Bili sya shoes.

He wiped his face. Naiyak. 🙃 thank you ng thank you, and even when he was walking away, punas pa rin ng punas.

Again, I am not sharing the story para magmukhang mapagbigay. My point is that our biggest investments as humans is in humans. Now, I don’t know if he will spend that money in something else. I don’t know if it will make a difference in his life. It did, in mine.

The Abundance Formula
It’s simple. Just remember these 4 numbers:
100, 10, 20, 70.

💓 Earn 100% - galing sa SALARY/BUSINESS MO

💓Give back/Tithe 10% - Dapat unahin mo si GOD. Ibalik mo sa Kanya ang 10% kasi lahat ng blessing mo ay mula sa KANYA.
Malachi 3:10, ESV: "Bring the full tithe into the storehouse, that there may be food in my house. And thereby put me to the test, says the LORD of hosts, if I will not open the windows of heaven for you and pour down for you a blessing until there is no more need."

💓 Invest 20% - Alam mo bang dapat binabayaran din natin ang SARILI natin dahil tayo ang napapagod para kumita ng pera. Ang pagbabayad sa sarili hindi lang ang MATERIAL na bagay kundi through INSURANCE, SAVING AND HEALTHCARE para pagdating ng araw at pagod ka na, may kaagapay ka at may DUDUKUTIN sa iyong pagTANDA. At kung di na kaya mag work.

💓 Spend 70% - dapat matutunan natin to manage the remaining 70% para sa mga expenses. Live below your means.

👉Mahirap sa una KAPATID pero kung iyong susubukan IKAW rin ang MAKIKINABANG.

Abundance formula is a simple principle to guide you to successful money management. You may find it hard to follow at first, but with strong commitment and dedication to improve your personal finances, there is no reason for you not to achieve your financial goals.

The reason of being financially prepared always boils down to your family. You know that no matter what will happen during old age your kids can't turn their back away from you. The sad part is this is taken in a wrong context. With our culture, we thought getting old is our children's responsibility.

Our obligation doesn't only stop in sending them to school and providing their needs. A good and a strong foundation for our retirement is the best gift we can give to our kids. This will give them more resources to focus on their family's needs someday.

It's good to secure the future of our kids but never forget yours. Imagine the scenario where we were able to send our kids to college and get a good job after but in the end they are obliged to financially support us because we have failed to manage our retirement days.

During a prank, a student stuck a paper on his classmate's back that said "𝗜'𝗺 𝗦𝘁𝘂𝗽𝗶𝗱", and asked the rest of the class not to tell the boy.

Thus the students began laughing on and off...

Came afternoon math class started and their teacher wrote a difficult question on the board.

No one was able to answer it except the boy with the sticker.

Amid the unexplained giggles, he walked toward the board and solved the problem.

The teacher asked the class to clap for him and remove the paper on his back.

She told him: "It seems that you don’t know about the paper your classmate has pasted on your back."

Then the teacher looked at the rest of the class and said:

"Before I give you a punishment, let me tell you 2 things:

First, throughout your Life, people will put labels on you with many nasty words to stop your progress.

Had your classmate known about the paper, he wouldn't have gotten up to answer the question.

𝗔𝗹𝗹 𝘆𝗼𝘂 𝗵𝗮𝘃𝗲 𝘁𝗼 𝗱𝗼 𝗶𝗻 𝗟𝗶𝗳𝗲 𝗶𝘀 𝗶𝗴𝗻𝗼𝗿𝗲 𝘁𝗵𝗲 𝗹𝗮𝗯𝗲𝗹𝘀 𝗽𝗲𝗼𝗽𝗹𝗲 𝗴𝗶𝘃𝗲 𝘆𝗼𝘂 𝗮𝗻𝗱 𝘀𝗲𝗶𝘇𝗲 𝗲𝘃𝗲𝗿𝘆 𝗼𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝘆 𝘆𝗼𝘂 𝗵𝗮𝘃𝗲 𝘁𝗼 𝗹𝗲𝗮𝗿𝗻, 𝗴𝗿𝗼𝘄 𝗮𝗻𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 𝘆𝗼𝘂𝗿𝘀𝗲𝗹𝗳."

"Second, it’s clear that he doesn't have any loyal friend among you all to tell him about the sticker.

It doesn't matter how many friends you have - it is the loyalty you share with your friends that matters.

𝗜𝗳 𝘆𝗼𝘂 𝗱𝗼𝗻'𝘁 𝗵𝗮𝘃𝗲 𝗳𝗿𝗶𝗲𝗻𝗱𝘀 𝘄𝗵𝗼 𝗰𝗮𝗻 𝗱𝗲𝗳𝗲𝗻𝗱 𝘆𝗼𝘂 𝗯𝗲𝗵𝗶𝗻𝗱 𝘆𝗼𝘂𝗿 𝗯𝗮𝗰𝗸, 𝘄𝗵𝗼 𝗰𝗮𝗻 𝘄𝗮𝘁𝗰𝗵 𝗼𝘃𝗲𝗿 𝘆𝗼𝘂, 𝗽𝗿𝗼𝘁𝗲𝗰𝘁 𝘆𝗼𝘂 𝗮𝗻𝗱 𝘄𝗵𝗼 𝗴𝗲𝗻𝘂𝗶𝗻𝗲𝗹𝘆 𝗰𝗮𝗿𝗲 𝗮𝗯𝗼𝘂𝘁 𝘆𝗼𝘂, 𝘆𝗼𝘂 𝗮𝗿𝗲 𝗯𝗲𝘁𝘁𝗲𝗿 𝗼𝗳𝗳 𝗮𝗹𝗼𝗻𝗲."

What are Mutual Funds for?

It's a way for small savers & investors to team-up with big & and experienced investors in the Stock Market.

It's a way for your small, limited hard-earned money to grow millions over long-term commitment of "put & put".

It's a way for hardworking regular people like you, to become a multi-millionaire during retirement years thru "disciplined" saving.

🙏❤️🙏❤️🙏❤️

An eight-year-old child heard her parents talking about her little brother.

All she knew was that he was very sick and they had no money left.
They were moving to a smaller house because they could not afford to stay in the present house after paying the doctor’s bills.
Only a very costly surgery could save him now and there was no one to loan them the money.

When she heard her daddy say to her tearful mother with whispered desperation,

‘Only a miracle can save him now’.

the little girl went to her bedroom and pulled her piggy bank from its hiding place in the closet. She poured all the change out on the floor and counted it carefully. Clutching the precious piggy bank tightly, she slipped out the back door and made her way six blocks to the local drugstore.

She took a quarter from her bank and placed it on the glass counter.

“And what do you want?” asked the pharmacist.

“It’s for my little brother,” the girl answered back. “He’s really very sick and I want to buy a miracle.”

“I beg your pardon?” said the pharmacist.

“His name is Andrew and he has something bad growing inside his head and my daddy says only a miracle can save him. So how much does a miracle cost?”

“We don’t sell miracles here, child. I’m sorry,” the pharmacist said, smiling sadly at the little girl.

“Listen, I have the money to pay for it. If it isn’t enough, I can try and get some more. Just tell me how much it costs.”

In the shop was a well-dressed customer.

He stooped down and asked the little girl, “What kind of a miracle does you brother need?”

“I don’t know,” she replied with her eyes welling up. “He’s really sick and mommy says he needs an operation. But my daddy can’t pay for it, so I have brought my savings”.

“How much do you have?” asked the man.

“One dollar and eleven cents; but I can try and get some more”, she answered barely audibly.

“Well, what a coincidence,” smiled the man, “A dollar and eleven cents – the exact price of a miracle for little brothers.”

He took her money in one hand and held her hand with the other. He said, “Take me to where you live. I want to see your brother and meet your parents. Let’s see if I have the kind of miracle you need.”
That well-dressed man was Dr Carlton Armstrong, a surgeon, specializing in neuro-surgery.

The operation was completed without charge and it wasn’t long before Andrew was home again and doing well.

“That surgery,” her mom whispered, “was a real miracle. I wonder how much it would have cost.”

The little girl smiled. She knew exactly how much the miracle cost …one dollar and eleven cents … plus the faith of a little child.
Mind Mantra - miracles happen when you keep searching for the answer relentlessly. Miracles don't happen when you sit and wait for them. Only Perseverance to achieve a goal can make miracles happen..

A father said to his daughter “You have graduated with honors, here is a car I bought many years ago.
It is a bit older now but before I give it to you, take it to the used car lot downtown and tell them you want to sell it and see how much they offer you for it.

The daughter went to the used car lot, returned to her father and said, “They offered me $1,000 because they said it looks pretty worn out.”

The father said, now “Take it to the pawn shop.” The daughter went to the pawn shop, returned to her father and said,”The pawn shop offered only $100 because it is an old car.”

The father asked his daughter to go to a car club now and show them the car. The daughter then took the car to the club, returned and told her father,” Some people in the club offered $100,000 for it because it’s a Holden Torana and it's an iconic car and sought by many collectors”

Now the father said this to his daughter, “The right place values you the right way,” If you are not valued, do not be angry, it means you are in the wrong place. Those who know your value are those who appreciate you......Never stay in a place where no one sees your value.

Never!

Change
Health
Gratitude
Purpose

While looking at these bills, I realized that maybe the person/s on the money has its own purpose.

I think, the reason kung bakit isa lang ang tao sa 20, 50, and 100 ay para e-remind tayo na kapag sila palang ang laging laman ng wallet mo, you are not ready yet for a relationship.

Dalawang tao naman for 500 to inform us na kapag si 500 na ang laging laman ng wallet mo, pwede ka na magjowa🤣.

Lastly, 3 persons naman for 1K to tell us na kapag sya na ang laging laman ng wallet mo, you can afford na magka pamilya🤣.

IKAW ALIN JAN LAGING LAMAN NG WALLET MO? 🤣 🤣

credit to the owner

Merry Christmas 🙏🎁🤗

Another random realization.

A lot of people would usually tell me “Atty, bumili ka na ng sasakyan mo. Di bagay sayo ang nagtrtricycle. Parang di ka abogado,” or “Atty, bumili ka na ng sasakyan mo, easy na lang yan sayo,” or “Magcar loan ka na, dapat priority mo ang sasakyan.” I would respond with a polite smile. All I could do is to politely smile because if I would respond honestly, I would only come out rude especially when I would point out that being a lawyer doesn’t mean that I should look rich or I should be rich for that matter. Plus, my dad would drop me off in the office every morning so a tricycle ride home is no big deal.

Let me tell you this: you don’t have to prove your professional capacity with the properties you own. I would understand if I am told to consider buying a car for convenience or for safety and security more so if hearings are outside the City. But if I am told to buy one to look like a lawyer? Bro, pass! I don’t need to stage my life just so I can justify my profession. Bibili ako once kaya na ng savings ko.

Minsan kasi, we are too judgy no?

“Uy nagtrtricy lang si Atty oh. Di man lang makabili ng sasakyan. Baka kasi hindi malakas ang kita kasi wala siyang clients. Baka hindi matalino.”

“Uy tignan mo yung bahay ni Engr oh, ang liit. Baka walang clients kasi hindi maganda ang gawa.”

“Uy tignan mo si ma’am oh, matagal na yang teacher pero di pa nakakapundar. Hindi siguro magaling yan, kasi kung magaling yan government teacher na sana yan.”

“Uy tignan mo yang nurse na yan. Ang tagal na niyang nurse pero sa apartment pa rin nakatira. Di kasi tumataas ang sahod kasi hindi napropromote. Hindi siguro magaling yan.”

Reality is, we quantify one’s intellect and skills with the properties and materials things he owns. Ang sad no? What we don’t realize is that we have our own priorities, our own timeline. One lawyer or any professional who is only practicing for a year could buy a car or a house in a snap because maybe, that is his priority. While another who is practicing for five years couldn’t buy one because his priority is to save for the education of his siblings, for the medication of an ailing parent, for preparation of marriage, or for charity-who knows? Regardless of priorities and of properties, we should stop equating intellect and skills with wealth. Hindi dahil hindi pa siya mayaman, bobo na siya. Malay natin hindi lang siya corrupt. 💁🏻‍♀️

Is it lack of ambition? Yes if you are lazy. No if you have other necessary priorities.

What’s my point? Wala. Bahala na kayong gumets. Let me just enjoy my tricycle ride and my coke float in peace.

If you think your bills will also stop when you stop working or earning income, then don't save and invest for retirement.

Sabi mo meron ka nang Solid Financial Foundation, lahat ng nakalista dyan meron ka na.
1. Healthcare - both short term at long term na sasagot sa tanong na What if I get sick?
2. Life Insurance - na sasagot sa tanong na What if I die too soon? Who will take care of my family?
3. Manage Debt - dapat wala nang utang bago mag retire
4. Emergency Fund - at least 3 to 6 months of your monthly income
5. Investment - na sasagot sa tanong na What if I live too long? Who will take care of me?

Sigurado naman meron kang mga kakilala, kaibigan, at kamag anak na nangangailangan ng Financial Education. Tulungan mo na lang din sila. PAY IT FORWARD.

Join IMG 30Mby30 Financial Lireracy Campaign now! Become an IMG member. Become your Own Money Manager. Become a Financial Educator. ❤





We care, we share

Medical cost is expensive specially during our older years. That's why it's best to start saving for our long-term healthcare.

You can start even for as low as P88 a day!

8 days to go 🙏🙏🙏

Don't wait for your MILLION HOSPITAL BILL before you wake up and take action.

Start to plan & save for your future today, otherwise, you'll end up selling all your properties and you become a burden to your family when you get sick.

This is only P196 per day! 👇👇👇

3in1 Savings Plan: Healthcare + Life Insurance + Investment

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