The Financial Archer

6️⃣ TIPS FOR MANAGING YOUR FINANCES 🤑
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✨QUICK REMINDER TODAY✨

Delayed gratification does do wonders, but don’t forget to also treat yourself every once in a while. Find the proper balance 🤗

HAPPY WINSday, everyone!
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🚨 EMERGENCY FUND!?

Paano nga ba simulan?

Here are some tips to help jumpstart your efforts in building your Emergency Fund!
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Why should we save money—particularly while we're still young?

Here are some advantages that you could ponder over. 🤗
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Start 2023 with proper budgeting! 🤑✨

Budgeting doesn’t need to be complicated, nor should it take hours out of your day. In fact, the best ways to budget are often the simplest. Take, for example, the 50/30/20 rule. The 50/30/20 rule is a straightforward monthly budgeting method that tells you exactly how much to put towards your savings and your living costs each month.

Spend 50% of your money on needs.
Simply put, needs are expenses that you can’t avoid—payments for all the essentials that would be difficult to live without. 50% of your after-tax income should cover your most necessary costs.

Spend 30% of your money on wants.
With 50% of your after-tax income taking care of your most basic needs, 30% of your after-tax income can be used to cover your wants. Wants are defined as non-essential expenses—things that you choose to spend your money on, although you could live without them if you had to.

Stash 20% of your money for savings.
Consistently putting aside 20% of your pay each month can help you build a better, more durable savings plan. This is true whether your ultimate goal is building an emergency fund, developing a long-term personal financial plan, or even preparing for a down payment on a house.

© The Mobile Bank/N26


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QUICK REMINDER TODAY 💰✨
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WHEN’S THE RIGHT TIME TO INVEST?! 🤔

Ever asked yourself this question?

Well, first:
1. Build your Emergency Fund
2. Ensure you’ve paid off your debts
3. Know your goals, timeline, and risk tolerance/appetite
4. Consult a Financial Consultant or Investment Advisor

As the saying goes, “The best time to invest was YESTERDAY; and the next best time is NOW.”
BUT, before investing, make sure your ‘Financial Foundation’ is solid. This allows you to have a safety net / fallback when things don’t work out.

Invest wisely! 🤗
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Life Lessons from Disney’s ✨

1. You can’t shoulder everything on your own.
You don’t always have to be the problem solver, and you don’t have to be strong all the time. Emotional vulnerability is not a weakness. It’s okay to admit you’re struggling. You’re not letting anybody down by being honest about the way you’re feeling. If anything, your authenticity will bring you closer together. Lies will only push you apart. When you’re struggling, you’re allowed to ask for help. You don’t have to do it all alone.

2. You’re never going to be perfect.
This movie shows that we will never be good enough for certain people. Instead of letting that get you down, let it inspire you. Since some people are never going to be happy with you, work toward making yourself happy. Stop caring so much about everyone else’s opinions because they shouldn’t be shaping the direction of your life. You should be making your own decisions. What makes you happy might not be what your family members – or society – think will make you happy. So do your own thing! The people who really love you will support you, regardless.

3. Families don’t always know what’s best for you.
You shouldn’t feel pressured to do what is expected of you. Everyone in Encanto was trying hard to please Alma, but it was only making them miserable. As soon as they start listening to their own hearts instead of doing what they thought they were supposed to do, they ended up happier.

4. You shouldn’t let yourself be defined by one thing.
Your career doesn’t define you. Your relationship doesn’t define you. Your talent doesn’t define you. This movie is a reminder that human beings are complex. They can’t be boiled down to one trait or talent. Even though you might feel like your intelligence or beauty or sense of humor is the only thing special about you, you’re wrong. There are so many interesting things about you. Keep shining!

5. You shouldn’t compare yourself to anyone else.
Mirabel sings about how she can’t move mountains or heal what’s broken. She wants a miracle to show her the direction her path should take and give her life meaning. However, she’s already special. She already has so many beautiful qualities, but she has trouble seeing them because she keeps comparing herself to others. The grass is always going to look greener on the other side. That’s why you have to ignore everyone else and focus on you.

6. You can always rebuild.
A great reminder that you’re always able to bounce back. No matter what you’ve been through, you still have a fighting chance. You can work your way up again. You can find happiness again. You can start from scratch and create something beautiful, so don’t assume that one setback is the end of the world.

© Holly Riordan (Collective World); Disney’s Encanto.
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MULTIPLE INSURANCES? YES 😍

There is more than one type of insurance that we can get for ourselves. For the most part, they’re all a necessity—but this depends on your needs, of course. We’re all different. So my advice is to seek help with a Financial Advisor to help you assess & prioritize your wealth management while also safeguarding your assets. ❤️

How many do you own? 🤔

Comment below! ✨
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EASY WAYS TO SAVE MONEY 🤑
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bakit nga ba? 🤔😭
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MONEY MANAGEMENT TIPS

1. Track your spending to improve your finances
Utilize a spreadsheet or even a journal to track your expenses. At first, it could be tedious, but I promise it gets easier later on. This really helps you visualize your cash flow in a year. ✨

2. Create a realistic monthly budget
We have different priorities. Some want to save 50% of their income, but is that realistic to you? What do you pay once you receive your paycheck? How much can you save? How much do you invest? Start planning now 🤗

3. Build up your savings even if it takes time
Patience, friend! Prioritize delayed gratification, since saving a portion of your income for future use would be very helpful to you! Make sure you're saving with a purpose 🤩

4. Pay your bills on time every month
We all hate to pay our bills, but let’s face it: we have to. Once you know the due dates of your monthly bills, see to it that you pay them ASAP to avoid charges or late payment fees. 💯

5. Start an investment strategy
2022 na! This is your year! No better time to invest than NOW.
BUT, make sure you’ve done your research and read from verified/trusted sources about the investment vehicles that you’d like to purchase. 🧠
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A CONSCIOUS CHOICE.

Financial Freedom is something we all aspire to have, but we must be intentional with our daily efforts in order to achieve this.

Take baby steps day in & day out. We'll all get there! 🙏🏻
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MAXIMIZE YOUR SAVINGS—WHILE SHOPPING 🛒

Pwede pala? 🤔

YES! Here are some tips! 🤗
1. Avoid impulse buying
2. Select items on sale
3. Don’t buy in bulk
4. Go thrifting
5. Use cash to pay
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‼️ PSE BACK TO SHORTENED TRADING HOURS

Please be advised that in view of the surge in COVID-19 cases caused by the Omicron variant, the Philippine Stock Exchange, Inc. (“PSE”) will have shortened trading hours from January 14 to 31, 2022 as follows:

09:00 a.m. – Pre-open
09:15 a.m. – Pre-open no cancel
09:30 a.m. – Market Open
12:45 p.m. – Pre-close
12:48 p.m. – Pre-close no cancel
12:50 p.m. – Run-off / Trading at Last
01:00 p.m. – Market Close

Take note, fellow investors! 💙

Released Memorandum:https://www.pse.com.ph/wp-content/uploads/sites/15/2022/01/CN_2022-0004.pdf

Keep safe always 🤗
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“DI KO KAILANGAN NG INSURANCE. HEALTHY NAMAN AKO”

A common misconception we Financial Advisors often hear.

Although it’s great to acknowledge that we’re healthy, this won’t be the case over the years. We’re human beings—susceptible to Sickness, Accident, Disability, and Death.

Given that we’re still in a pandemic and things moving forward are still uncertain, now more than ever, it’s important to start investing on an insurance policy especially while we’re still healthy. 🙏🏻

Once we get sick, get into an accident, or be disabled, our chances of being insured dwindles. It’s heartbreaking to be denied of an insurance policy. 🥺

So, IF we can allot a portion of our income to invest in an insurance policy, it would be wise to check your options and reach out to your trusted Financial Advisor. We’re willing to listen & help you! ❤️
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COMMITMENT TO EXCELLENCE ✨

Challenge yourself to be more determined & committed this 2022, and you’ll be surprised with what you can achieve!
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HOW TO BE SUCCESSFUL AT A YOUNG AGE 🤩

Success is relative to you and for everyone. Here are just some tips to help you be successful in your journey. 🤗

✨SURROUND YOURSELF WITH BETTER PEOPLE
A famous quote goes: “If you’re the smartest person in the room, change rooms”, and more often than not, this is true. We must always try to push ourselves to be better. There will always be something we can improve within ourselves. Work for it. Strive for it.

✨MANAGE YOUR TIME WELL
Time management’s very important as we grow older. Life throws a lot of things at us, and we should properly deal with them at specific points in our life. That said, challenge yourself by setting deadlines for yourself here & there whenever you’re doing something productive for yourself. You’ll thank yourself later for not procrastinating.

✨ACCEPT YOUR FAILURES AND MISTAKES
This makes us human—and it’s ok to fail! I love failing. It helps me reassess or rethink of ways on how to do things differently moving forward. Mistakes teach us to bounce back and not do the same things that didn’t help us before.

✨SPEND LESS, INVEST MORE
Live within your means. If you can’t afford something, don’t stress about it and just don’t buy it—yet. Try to save first and build up your savings. Make sure you have an emergency fund too, in case something happens to us or our loved ones. Challenge yourself to make various smart investments for yourself. Research. Research. Research.

✨CONTINUOUSLY EDUCATE YOURSELF
Learning doesn’t end in the classroom. Once we step out into the ‘real world’, we can expose ourselves to learning so much more from different people & places. Try reading one (1) book every month. It’s fun learning new things!

✨DO YOUR BEST NO MATTER WHAT
“WHATEVER IT TAKES” stuck with me when I watched MARVEL’s Avengers: Endgame”. I see to it that I do my absolute best whenever I’m working on any endeavor I partake in. Continuously push yourself to be better.

Again, these are just a few tips that hopefully reminded you how to brave 2022 head on! No pressure tho! go at it with your own pace. YOU GOT THIS! 🔥

Laban lang always,
Kurt
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THANK YOU! 💙🙏🏻

Over 1000 people have liked this page, and I’d like to say thank you to each and every one of you for your support! 🤗

Starting this page at the height of the pandemic was one of the things I told myself I’d do in order to spread financial literacy through simple posts and/or memes that can educate and/or influence the viewer, since everyone was stuck at home and glued to social media.

Moving forward, all I can promise is to look out for more content coming this 2022! I’ll continue to better my craft with your support & feedback.

Again, thank you Financial Archers! 💰🏹
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HOW INVESTING CAN HELP YOU 🤔💭

Investing is a way to potentially increase the amount of money you have. The goal is to buy financial products, also called investments, and hopefully sell them at a higher price than what you initially paid. Investments are things like stocks, bonds, mutual funds, and annuities. You buy these products through an investment account.

The differences between saving and investing are:
* You typically save money in a traditional bank account or by simply storing it someplace safe. When you invest, you’re purchasing products and keeping your money in a specified investment account.
* When saving, your opportunity for growth is lower, and might not exist at all. Investing helps you beat inflation—through interest earned—ensuring your money’s purchasing power stays strong.
* Saving is usually reserved for short- and intermediate-term goals, whereas investing is better suited for long-term goals like retirement.

Investing can help us in a lot of ways. Check the photos for straight-to-the-point reasons.

Have you made any investments? Comment them below!
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4 TIPS TO IMPROVE YOUR FINANCIAL MANAGEMENT ✨

1. Set your priorities
Since 2022 just started, it’s important that we have a clear vision of what our priorities would be this year. Is it saving for a car? Starting your 1st insurance policy? Saving for a trip? You decide and begin planning for it ASAP. 🔥

2. Minimize your debt
This one’s challenging, but it can be done. As much as possible let’s avoid incurring debt—be it from friends/relatives or even our credit card, let’s spend wisely and avoid or at least minimize debt. You got this! 🤗

3. Create a reasonable budget
Having a budget is key. It’s wise to set aside a portion of your money and allocate it on important things first (i.e. needs & personal savings) and spend the remainder on wants—or better yet, save any remainder. 😉

4. Track your spendings
It wouldn’t hurt to track our spendings. It presents a picture of where our money goes on a monthly basis. This could also help you become accountable to your spending habits overtime. Let’s be responsible with our money. 😍

Overall, personal financial management is YOUR journey. Once you have a set of rules or guidelines for yourself, managing your finances will be a breeze. ❤️

Spend wisely,
Kurt
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Entering 2022 with these mindful habits 🧘🏻‍♂️🧘🏻‍♀️

Be kind to others ❤️
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HAPPY NEW YEAR FINANCIAL ARCHERS!!!

Here's a gentle reminder for you this 2022! ✨


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Be 'swift' in being financially secured! 😉

Start your journey to financial freedom ASAP! It pays to be prepared ❤️

‼️𝐎𝐍𝐄 𝐖𝐄𝐄𝐊 𝐓𝐎 𝐆𝐎‼️

Over 100 attendees have already pre-registered! DON'T MISS OUT!

Join our FREE Webinar entitled "Personal Finance 101" next Saturday, Feb. 27, 2021, from 2PM - 3PM via Zoom!

Register here: bit.ly/FREEPersonalFinanceWebinarRegistration

Click 'Going' in the FB Event here: fb.me/e/6qPD6UjZW

Only pre-registered participants will be given the Zoom ID & password.

See you there!

The COVID-19 pandemic highlighted the importance of being financially prepared but where and how do we start?
That is the question that we'll try to uncover in this FREE Personal Finance Webinar wherein we will learn about:
• Cashflow Analysis
• Debt Management
• Risk Management and Insurance
• Savings & Investment Builder
Happening this Feb. 27, 2021, Saturday, from 2PM - 3PM via Zoom.
Zoom ID & Password will be sent to pre-registered attendees only.
Register here: http://bit.ly/FREEPersonalFinanceWebinarRegistration
See you there!

Having all three would be such a great thing, 'no?
If you don't agree, kahit yung last lang talaga, friend! Need mo and ng family mo. !
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