Darnell C. Pedenes

Hello Monday!

Make saving a habit by setting aside a portion of your income each month.
Pay yourself first! 💡

Also, aim to build an Emergency fund that covers at least three to six months of living expenses.

Lastly, save for specific goals like going on a vacation, buying your own house & car, starting a business, preparing for your child's education or retirement.

Want to know if you have a 𝗛𝗲𝗮𝗹𝘁𝗵𝘆 𝗖𝗮𝘀𝗵 𝗙𝗹𝗼𝘄? 🤔

💰 Start by tracking your income sources such as salary, investments, side hustles and so on.

🗂️ Categorize your expenses by 𝗘𝘀𝘀𝗲𝗻𝘁𝗶𝗮𝗹 𝗮𝗻𝗱 𝗡𝗼𝗻-𝗲𝘀𝘀𝗲𝗻𝘁𝗶𝗮𝗹.
⚖️ Maintain a positive cash balance to build your 𝗲𝗺𝗲𝗿𝗴𝗲𝗻𝗰𝘆 𝗳𝘂𝗻𝗱, 𝘀𝗮𝘃𝗶𝗻𝗴𝘀, 𝗮𝗻𝗱 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁𝘀.

Send me a message to learn more about financial freedom today! 😉

It's a new year, another chance to be brave and work for a brighter life - still, with your . 💛

Happy Halloween! 👻🎃

Hindi sa pinagooverthink kita, pero kung hindi ka pa insured, tara pagusapan natin yan! 🤗💛

Today, we'll acknowledge the heroes that sacrificed their life for the greater good of out nation, and we should hold our end of the bargain to continue the good they want to achieve 🫶 Happy National Heroes Day 🫡

Also, to the heroes of today, who's prioritizing the needs of their love ones over anything else. We salute every parent & breadwinners for their continuous hardwork and dedication 💛

Not all heroes wear capes 🥹🫶

A special greeting to all mothes out there! 🥳

Thank you for the sacrifices and endless love you give to the world 💛

Maraming Salamat sa mga Ilaw ng tahanan, Mahal namin kayo 💡💕❤️

Here’s some few tips to improve your overall well-being 💛

Mayo Uno: Maligayang Araw ng Manggagawa!

Salamat sa patuloy na sakripisyo at paggawa para sa kinabukasan ng sarili at ng pamilya 🫡

Ipagpatuloy natin ang pagiging ng mabuti at tapat 🤝

4 Tips that you can work on TODAY 💡

𝐋𝐞𝐚𝐫𝐧 𝐡𝐨𝐰 𝐭𝐨 𝐦𝐚𝐧𝐚𝐠𝐞 𝐲𝐨𝐮𝐫 𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬

If you can’t manage your small income today, how can you expect to manage a higher income tomorrow?

𝐌𝐚𝐤𝐞 𝐭𝐡𝐞 𝐦𝐨𝐬𝐭 𝐨𝐮𝐭 𝐨𝐟 𝐲𝐨𝐮𝐫 𝐭𝐢𝐦𝐞

You can always earn back your money when you work for it, you can always get rest when you sleep but you cannot return time that has passed. Don’t waste it

𝐈𝐧𝐯𝐞𝐬𝐭 𝐢𝐧 𝐲𝐨𝐮𝐫𝐬𝐞𝐥𝐟
You are the best investment you will ever have. Work on your hard & soft skills, continue to learn new things & don’t be afraid to make mistakes (Wag lang papascam pls. HAHA!)

𝐈𝐦𝐩𝐫𝐨𝐯𝐞 𝐲𝐨𝐮𝐫 𝐧𝐞𝐭𝐰𝐨𝐫𝐤

Surround yourself with good people. People who are going to be honest with you and look out for your best interests. It easy to find people when you are winning, make sure they’re still with you when you’re in need

PS : I know that we all have different situations , circumstances & privileges. But still, I still believe we can all win in Life.


©Darnell Codilla Pedenes
Licensed Financial Advisor

Happy Friday everyone!!

Just a gentle reminder.

Every now and then, it’s better for us to slow down, sit back and reflect on the things we have now while working on what we want.

Let’s be more grateful and don’t lose sight of what we really want in life 💛

It’s been a while! muna tayo ulit!

Ano nga ba ang Cryptocurrency? 🧐
Bakit nga ba to “ trending “? 🤔

Another day, another opportunity! 🙏

Here are some tips if you are feeling lost and/or feeling stucked in a place you don’t wanna be.

Friendly reminder, dramatic or big changes don’t happen overnight 😉

Stay focused! And as my clients said “ Never not grinding “

Happy International Women's Day to all the Queens out there 🥳👑👸

Always take care of your Mind, soul & body. You are all special and deserving of love ❤️✨

muna bago matulog 😂

“ In a recent survey among insurance owners in the Philippines, more than 30% replied that Life and Hospitalization insurance were their most preferred insurance products. “

Are you part of that 30%? Or would you like to be? If yes, what would be your key component of your Insurance plan?

If you’re not part of that 30% or wouldn’t want to be insured, why not? 🧐

To know more about Life insurance plans and Financial Planning, you may send me a message and let’s schedule our 1 on 1 personal financial planning 🤝💛

source : https://www.statista.com/topics/5581/insurance-industry-in-philippines/

Last day of the month, First day of the week 😲
Another month has passed, have you checked your Sheets/excel file?
Balance ba yung nasa classic Pen & Paper sa Cash on hand and Online bank accounts/wallets?

March na bukas, baka gusto mo ng maging insured, message ka lang para maschedule na natin 😉

#𝗧𝗪𝗢𝗦𝗱𝗮𝘆𝗧𝗜𝗣𝗦
𝟬𝟮-𝟮𝟮-𝟮𝟮! 𝗜𝘁’𝘀 𝗧𝗪𝗢𝗦𝗱𝗮𝘆𝗧𝗶𝗽𝘀! 𝗛𝗘 𝗛𝗘 𝗛𝗘

If you are working a Full-time job and you want to earn & save more money in a faster pace (like me 🤑) Here’s 3 tips that I can share with you that may help you in your financial journey:

1. 𝗦𝘁𝗮𝗿𝘁 𝗮 𝗵𝗼𝗺𝗲-𝗯𝗮𝘀𝗲𝗱 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 👩‍💼👨‍💼

If you are to start your own business, rule no 1 is to figure out what you’re passionate about. From there, you’ll be able to distinguish what type of business you want to establish (Plus you’ll be earning a living by doing something that you love. 🤷🏻‍♀️🤷🏻‍♂️)

2. 𝗖𝗼𝗻𝘁𝗶𝗻𝘂𝗼𝘂𝘀 𝘀𝗲𝗹𝗳-𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗺𝗲𝗻𝘁 💯

Work on your skills, mindset, and craft/s. Continue practicing and learning to be a better version of yourself. This will open more doors for you in your chosen field. ✨

3. 𝗜𝗡𝗩𝗘𝗦𝗧 𝗪𝗜𝗦𝗘𝗟𝗬 💡

There is always a risk when it comes to investing that’s why it’s important to do your own research. I always say this to people that asks me for financial advice and I’ll never get tired of repeating this because I want to promote financial literacy to help people avoid getting sucked into “Get rich quick“ scams and schemes.

Investing is like planting a tree. First, you need to thoroughly check your foundation if you are planting it on the right soil. This is vital because no matter what you do, if you are planting on the wrong soil, growth and prosperity will not follow.

Second, make sure you have enough funds before investing. Like what I’ve mentioned earlier, there’s always a risk of losing some of it or even losing it all. That’s why it is very important to do your own research or maybe consult a 𝗟𝗶𝗰𝗲𝗻𝘀𝗲𝗱 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗔𝗱𝘃𝗶𝘀𝗼𝗿 ( 𝗕𝗘𝗞𝗘 𝗡𝗘𝗠𝗘𝗡 𝗛𝗘 𝗛𝗘 𝗛𝗘 🤪 )

Lastly, even when you followed the first two steps , there is NO GUARANTEE that investments will have returns IMMEDIATELY. Most investments normally takes a loooooooong time to gain returns. That said, if someone will offer you an investment that promises 100% guaranteed returns quickly without losses, think twice and do more research.

For more tips, follow me The Wiser Next Gen PH

For a personal Financial advice, feel free to message me and we can set an appointment 🤝

MONDAY - Pinaka ayaw ko na araw nung ako ay nag-aaral pa. Pero ngayon, eto na yung niloo-look forward ko every week. Fresh start & different opportunities to come.

At shempre, unang araw ng linggo para sa mga gastusin 🤣
Sa mga nagbubudget jan, kamusta ang ating sheets & excel?
Napasobra ba this weekend? Or nakatipid para sa long weekend? 💛

Para sa mga breadwinners at hustlers, tuloy lang ang Grind. Nababawi naman ng tulog ang pagod 😴

It's been a week since my last post. It's been a busy week indeed and I survived! Once again, it's casual

How are you gonna spend your weekend?
Are you preparing for a dine out dinner? 🍔🍕
Saturday night out after? 🍻
Sunday lunch with the fam? 👨‍👩‍👧‍👦
OR
Saturday Movie night at home? 🎥
Samgyup at home? 🥢

Whatever you do, hoping everyone is safe and healthy 🥰

Happy Weekend ahead! 💛

What do you think you can Change today that your Future self will thank you later? 🤔

Pwedeng Crypto nung early 2010's?
Pwedeng Stocks, Bonds or Equitiies?
Pwedeng Life Insurance before ka magkapamilya?
Pwede din kung pano mo i-manage yung finances mo.
Pwede din naman yung side hustle na matagal mo ng gustong simulan.

Kung ano man yan, pag-aralan mo ng mabuti at humanap ka ng taong makakatulong sayo. Ang mahalaga simulan mo ng hindi mo alam kung kailan ang tapos at patuloy na magaral para magimprove 💛🙏

One of the leading Insurance companies in the Philippines and the oldest of all. Tells me that I am with the right Partner for Life 💛

The principles and dedication that it takes to be standing strong throughout 126 years in the Philippines is truly remarkable 🙌

I am striving to be a part of the legacy that brings Brighter Life to Generations to come 🤝💛

Hey Fam! Health is wealth! 💛
Don't forget to take care of yourself every now and then. You can always take a step back when you're tired and stressed out to avoid burnout 🤗

Make sure to have atleast 7 of hours of sleep daily 😴💤

Goodnight everyone and let's get that bread tomorrow 💪

Here's one tip for everyone, classify your savings into these three 😉

Feel free to message me anytime for a more in depth conversation & financial consultation 💛

Start your week right with the right mindset by keeping track of your income & expenses💡

For more financial tips & advice, feel free to send me a message 😉💛

This Love month, one of the best gifts you can give to your loved ones is “Peace of Mind” —— especially now that we’re amidst a pandemic. To be physically, mentally, and financially secured is the ultimate goal 💛

When’s the best time to start? 🤔
Starting today! You may contact me via messenger/ email or SMS to talk about your journey to a Brighter Future. 😉🤝

New Year's resolution ko talaga this 2022 yung maging responsible sa finances at maging literate financially, Ikaw din ba? 😋 Ano pang hinihintay mo? Malapit na matapos January, simulan na natin yan 🤗💛

12.12 Sale nanaman pala. Kamusta yung mga nabili nyo from 1.1 to 11.11? Okay pa ba? Nagagamit pa ba? Just checking lang 😅

This holiday season, invest on your peace of mind and well-being, buy something that you don't wanna use but cannot be bought when you need it the most 💛

Spend wisely, diversify & lessen your focus on things that can be Obsolete 💡

It is scary when we come to a point that we stop LEARNING, GROWING and allowing ourselves to SETTLE for what we know and/or what we have.

Let me help you secure your future, including your future family 👪, to have a clear path towards a ✨ Brighter Future ✨ 💛