Mindful Mom's Insurance Hub

Inflation, job loss, illness, emergencies - these things happen any time without warning. During these times of uncertainty, it’s better to have someone - or something - at your back.

Life insurance can be that something that will support you during times of uncertainty. Contact your financial advisor today.

May I never boast about anything … ♥️

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Dare To Be Exceptional  

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The Best Legacy you can give to your child.

Parents can be very hands-on when it comes to their child’s future – and Future Scholar can help out with that! This plan will help you take care of your child's education and other future needs. You can also invest in expertly managed local and global funds to grow your money over time.

10 Habits That Drive Your Financial Growth Unless you're in the small percentile of people who are have received a large inheritance or trust fund or won the lottery, you need to build your wea...

Happy National Heroes Day 🤍

Ipon challenge mga bess…..
take ACTION, DISCIPLINE and RIGHT MINDSET.

"𝐏𝐚𝐠 𝐭𝐮𝐦𝐚𝐚𝐬 𝐚𝐭 𝐥𝐮𝐦𝐚𝐤𝐢 𝐬𝐚𝐡𝐨𝐝 𝐤𝐨, 𝐦𝐚𝐠-𝐢𝐢𝐩𝐨𝐧 𝐧𝐚 𝐭𝐚𝐥𝐚𝐠𝐚 𝐚𝐤𝐨."

I have a question for you, pag ba tumaas ang sahod mo sigurado ka bang mag-iipon ka na o mas lalaki lang lalo ang expenses mo at dadami lang lalo ang luho mo?

Let me tell you my story..

I started with an entry-level job with a low salary. But that's okay kasi I needed experience that time.

Then after a year, sabi ko I want a high-paying job kasi I want to save. Pero hindi ako lumipat ng trabaho. I used the free time I have in office to study and try different things.

I opened my small online shop.

Then I wanted to have a license for teaching so I took some units and went back to school while working full-time.

Fast forward after I had a baby and got married..

I already had three sources of income: My full-time job, my part-time job plus my online shop.

But still.. I felt like I'm still lacking money. May savings pero nagagalaw. Kumikita nga pero di nakaka-ipon ng sapat.

I knew then there was a problem with me and my spending habits.

Hindi ako maluho na tao. My problem was, I didn't know how to handle my money well. Hindi ko alam ang tamang pag-save at pag-diversify ng income ko.

I opened my mind to become financially literate. I read a lot of articles and books, I watched webinars and youtube tutorials, I joined FB Groups to broaden my knowledge about finance and different ways to invest and diversify money.

But let me tell you a secret.. these are all NOTHING without ACTION, DISICPLINE and a RIGHT MINDSET.

I realized na hindi pala yun sa laki o liit ng sahod ko, hindi yun sa dami ng libro na nabasa ko, hindi yun sa dami ng trainings o seminar na na-attendan ko.

It's about me and my self-discipline.

If I really want to learn and do new things, I should take an action and stop procrastinating.

If I really want to save money for my future self, I have to start now and make it a commitment to myself.

If I really want to change my life and my financial situation, I have to believe that I can do it because no one else will do it for me.. ONLY ME.

Now bes, kaya mo bang i-challenge yung sarili mo to take actions now and start disciplining yourself?

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My AIA Login | Customer Portal | AIA Philippines My AIA is a secured online customer portal that allows AIA Philippines customers to pay premium, view & update their policy or contact details & more. Login now!

Focus on your recovery, not on the expenses!

Hospitalization is tough, but it’s even tougher if you’re not sure how you’re going to pay for it.

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Focus on your recovery, not on the expenses Prioritize your journey to recovery and relieve your worries from the unexpected medical costs. With AIA Med Assist, protect your health and finances from the expenses due to hospital confinement. Now with AIA Elite Funds, maximize your opportunity to save more for your medical expenses.

𝗕𝘂𝗱𝗴𝗲𝘁𝗶𝗻𝗴 𝟱𝟬/𝟮𝟬/𝟯𝟬 𝗥𝘂𝗹𝗲 𝗣𝗹𝗮𝗻

Saving is difficult, it requires a lot of discipline and when life often throws unexpected expenses at us. By following the 50-20-30 rule, individuals have a plan with how they should manage their hard-earned money. If they find that their expenditures on wants are more than 20%, they can find ways to reduce those expenses that will help direct funds to more important areas such as emergency funds and retirement.

𝟱𝟬% 𝗡𝗲𝗲𝗱𝘀

Needs are those bills that you absolutely must pay and are the things necessary for 𝘀𝘂𝗿𝘃𝗶𝘃𝗮𝗹.
These include rent or mortgage payments, car loan payments, groceries, insurance, health care, utilities, gas, cellphone load and internet provider subscription. These are your “𝗺𝘂𝘀𝘁-𝗵𝗮𝘃𝗲𝘀.” The “needs” category does not include items that are extras, such as HBO, Netflix, Starbucks, and dining out.

If you are spending more than that on your needs, you will have to either cut down on wants or try to downsize your lifestyle, perhaps to a smaller home or more modest car. Maybe carpooling or taking public transportation to work is a solution, or cooking at home more often.

𝟯𝟬% 𝗪𝗮𝗻𝘁𝘀

Wants are all the things you spend money on that are not absolutely essential. This includes dinner and movies out, that new handbag, tickets to events, concerts, vacations, the latest cellphone, electronic gadgets, and ultra-high-speed internet. Anything in the “wants” bucket is optional if you boil it down.
You can work out at home instead of going to the gym, cook instead of eating out, or watch sports on TV instead of getting tickets to the game. Basically, wants are all those 𝗹𝗶𝘁𝘁𝗹𝗲 𝗲𝘅𝘁𝗿𝗮𝘀 you spend money on that make life more enjoyable and entertaining.

𝟮𝟬% 𝗦𝗮𝘃𝗶𝗻𝗴𝘀

Finally, try to allocate 20% of your net income to savings and investments. This includes adding money to an 𝗲𝗺𝗲𝗿𝗴𝗲𝗻𝗰𝘆 𝗳𝘂𝗻𝗱 in a bank savings account, mutual fund account, and investing in the stock market. You should have at least 𝟲 𝗺𝗼𝗻𝘁𝗵𝘀 𝘁𝗼 𝗼𝗻𝗲 𝘆𝗲𝗮𝗿 of emergency funds on hand in case you lose your job or if an unexpected medical expenses, or for any other unforeseen events. After that focus on retirement and meeting other financial goals down the road.

Saving for retirement is also a critical step as individuals are living longer. Calculating how much you will need for retirement and working towards that goal, beginning at a young age will ensure a comfortable retirement life.

Life should be enjoyed, and it is not recommended to live like a Spartan, but having a plan and sticking to it will allow you to cover your expenses, save for retirement all at the same time doing the activities that make you happy.

ˢᵒᵘʳᶜᵉ: ᴵⁿᵛᵉˢᵗᵒᵖᵉᵈⁱᵃ

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One good tip to avoid spending money on impulse.

When creating a budget it is best to start by drafting a budget that is realistic and something you can stick with.

Try using the 20-30-50 Budgeting Ratio

The budgeting ratio says

• 20% should be immediately saved (goals or retirement) or put towards paying down debt.

• 30% should be the maximum you spend on housing.

• 50% should be spent on everything else.

If your take home pay is 50,000 a month, you should aim to:

• Put at least 10,000 towards your retirement accounts, emergency fund, or your debts.

• Pay no more than 15,000 a month in rent or a mortgage.

• Pay no more than 25,000 for everything else.

When creating a budget it is best to start by drafting a budget that is realistic and something you can stick with.

Try using the 20-30-50 Budgeting Ratio

The budgeting ratio says
• 20% should be immediately saved (goals or retirement) or put towards paying down debt.
• 30% should be the maximum you spend on housing.
• 50% should be spent on everything else.
If your take home pay is 50,000 a month, you should aim to:
• Put at least 10,000 towards your retirement accounts, emergency fund, or your debts.
• Pay no more than 15,000 a month in rent or a mortgage.
• Pay no more than 25,000 for everything else.

💯‼️

Minsan ba nasabi n’yo na sa sarili n’yo na kaya wala kayong naiipon kasi maliit ang kinikita n’yo?

Pero bakit noong lumaki na ang kita eh wala pa ring ipon?
Bakit nga ba?

Mga ka-Chink, let me share with you some practices that I do to monitor and maintain my finances.

KEEP TRACK OF YOUR INCOME

Mahalaga na alam natin kung magkano ang ating kinikita buwan-buwan para alam din natin kung magkano lang ang expenses na maaari nating gawin.

Hindi pwede na isipin lang natin na may paparating naman na sweldo kaya ok lang… gastos lang!

Pero paano kung magkaroon ng emergency? Kaya kailangan din ay mayroon tayong different sources of income. Para mayroon tayong mga options kung saan din natin maaaring mailagay ito.

KEEP TRACK OF YOUR DUE DATE AND EXPENSES

Mga ka-Chink, I am encouraging all of you to always take note of your due dates. Mas maganda kung may reminder kayo kung kailan ang bayarin ng mga ito.

Para hindi magkaroon ng overdue or interest lalo na kung gumamit kayo ng credit card. Naku sobra-sobra ang patong kapag nag-overdue or kung minimum lang ang babayaran natin.

Kaya naman make sure to make good debt and if you have one, bayaran na ito in full cash para walang interest.

HAVE A STRONG FINANCIAL DISCIPLINE

This is very important. Kahit sabihin natin na ang laki ng sweldo natin, ang dami nating sources of income, may ipon tayo… pero kung wala naman tayong financial discipline, naku! Wala rin.

Kung madali tayong matukso sa sale, sa mga promo, sa mga offer ng mga tao sa paligid sa atin, mababalewala rin ang mga ipon natin.

Learn to say no lalo na kung hindi naman talaga natin kailangan. We should be very mindful in making decisions especially if we have our goal.

“Dapat malinaw sa ating isipan kung ano ang gusto natin para nakaayon dito ang ating mga desisyon at gagawin.”
– Chinkee Tan, Filipino Motivational Speaker

THINK. REFLECT. APPLY.

1. Anu-ano ang mga pinagkukuhanan ninyo ng income?
2. Paano mo napapaalalahanan ang iyong sarili sa mga due dates and expenses mo?
3. Gaano katibay ang iyong financial discipline?

💯‼️

The Debt Snowball Challenge is one of the simplest and most popular methods for paying off debt. In this challenge, all you do is list your debts in order from the smallest to the largest.

Then, you pay the minimum payments on all of your debts except for the one with the smallest balance. For that debt, you pay as much money as you can each month until it is paid off.

Once that debt is paid off, you move on to the next smallest debt and continue paying the minimums on the rest of your debts. As the snowball gains momentum (just like a metaphorical snowball going down a hill collects more snow), you will likely want to save more to speed up its journey!

10 Debt Paydown Challenges (Fun!) — Cash for Kat Debt paydown challenges are a fun way to help you become debt-free faster! This post covers every fun debt paydown challenge!

Let us be grateful for everything that we have imbis na ma-stress tayo sa mga bagay na hindi pa natin nakukuha.

Tandaan na if we want to feel the essence of contentment, it’s important to practice gratitude. We must be aware na walang permanente sa mundong ito. And that life is not a race or a competition. It is about self-sustenance. The more thankful we are in life, mas lalo tayong magiging masaya at mapagpasalamat sa mga blessings na natatanggap natin.

IMPORTANCE OF CONTENTMENT SA ATING BUHAY

1. CONTENTMENT WILL GIVE US PEACE OF MIND - You know, okay lang namang bumili ng mga bahay o sasakyan. In fact, it’s wonderful to have those things. But again, the satisfaction will not last long. Darating rin tayo sa point na mawawalan tayo ng gana. On the other hand, being content in life will last long. Kapag kuntento tayo sa buhay, magkakaroon tayo ng peace of mind.

At kapag may peace of mind tayo, it will attract positivity in our life that can facilitate growth and self-improvement. Pero hindi naman ibig sabihin nito na ‘di na natin gugustuhing mangarap o maghangad sa buhay. Contentment only means to be at peace with the present situation.

2. CONTENTMENT WILL RESULT TO STRONGER RELATIONSHIPS - When we allow ourselves to be content, we are also telling ourselves to accept others as they are. Kapag kuntento tayo, hindi lang para sa sarili natin yung magiging benefits nito, kundi pati na rin sa pakikitungo natin sa ibang tao.

Accepting others and their flaws and being content with them can strengthen our relationship. Nabubuo rito ang trust and appreciation sa isa’t isa that also promotes growth and healing.

3. CONTENTMENT WILL HELP YOU DISTINGUISH YOUR WANTS AND NEEDS - Kapag kuntento tayo, mas nagiging malinaw sa atin yung mga wants and needs natin. We stick with the things na kailangan natin sa ating buhay. Contentment often leads sa realization that joy doesn’t come from material things. Instead, joy comes from deep within. The abundance of the present is enough to sustain a happy and healthy life.

4. CONTENTMENT PROMOTES SIMPLICITY - When we are able to distinguish our wants and needs, hindi na natin nao-overburden ang ating sarili. Hindi na tayo mai-stress from wanting more and more. When we are content with the present, it teaches us to be happy with what we have, kaunti man ito o marami.

Imbis na palaguin natin ang mga possessions natin, we start working on our personal growth. At the end of the day, mas importante pa rin ‘yun kaysa sa mga ari-arian.

5. CONTENTMENT PROMOTES HAPPINESS. - Dito natin matatagpuan ang tunay na kaligayahan. When we are content with the present, nale-let go na natin yung mga bagay na hindi natin kailangan sa buhay natin. As a result, acceptance settles in. Kapag tinanggap natin at naging masaya tayo sa sitwasyon natin, we are allowing ourselves to be happy.

Let us be grateful for everything that we have imbis na ma-stress tayo sa mga bagay na hindi pa natin nakukuha.

Tandaan na if we want to feel the essence of contentment, it’s important to practice gratitude. We must be aware na walang permanente sa mundong ito. And that life is not a race or a competition. It is about self-sustenance. The more thankful we are in life, mas lalo tayong magiging masaya at mapagpasalamat sa mga blessings na natatanggap natin.

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The Insurance Commission just released the 2021 insurance standing. Happy to inform my clients that AIA Philippines remains to be the most stable life insurance company in the country topping the criteria of both Net Worth and Net Income and second in the Net Asset category. Congrats also to Sunlife and Prulife for bagging the top spot for new business premium and total asset 🙂

No matter the company, life insurance remains a vital part in a person's financial plan. Never leave home without one. Talk and schedule a financial planning session with a licensed financial planner today! 🙂
Tara usap tayo! 🤗