Topic: Financial Literacy (Read 1810 times)

09-05-18 12:49 PM
Nexusz04
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Hello mga KaPD,

Good day!
Naisipan ko lang mag share ng Financial Literacy dito.
So if you find this beneficial, alam nyo na po  and if there is something you think can be improved, please, please let me know.

Naniniwala kasi ako na ang mga Pilipino ay madidiskarte sa paghanap ng  trabaho, pero kulang sa kaalaman sa pagplaplano ng pera.

Natanong mo na ba ang sarili mo kung saan napupunta ang pera mo?
"Bakit kaya ang bilis ng pera?", "Luh, san kaya na punta ang pera ko?"

These questions are very common. So first, you need to TRACK your expenses.
Lahat. Kahit na piso yan, pera padin yan. There is a saying that even the smallest leak can sink the ship.

Pag nakita mo na kung saan napupunta ang pera mo, BUDGET ang kasunod nyan.
Normal na pagbubudget ng isang tao:

Sahod/Allowance - Expenses = Savings.
Pagdating ng sahod, ibubudget agad yan sa gastusin at kung may matira man, lalagay sa savings. Kaso kadalasan, nagagalaw din ang savings.

The correct formula on how to save better is this:

Sahod/Allowance - Savings = Expenses.
Pagdating ng sahod, iprioritize and pag iipon bago gastusin.

"Do not save what is left after spending, but spend what is left after saving" - Warren Buffet

Pag ok na yung budget mo, then you can create your EMERGENCY FUND.
Ang emergency fund ay ipon mo for emergency. Your emergency fund should cover your expense for unexpected events.
Mga ganap na pagkawala ng trabaho, nagkasakit at hindi pwedeng magtrabaho. Ang emergency fund ay dapat equal sa 3-6months ng sahod mo.

Pagtapos nyan, you then create your GOALS!
Ito ang exciting kaya masarap mag ipon, it's like a game na once you break it, you will go to the previous stage or back to start.
Let's say your goal is to have a house.

Remember the SMART Goals.
Specific - Dapat kungkreto. Wag "Gusto ko ng tirahan, tulugan", dapat "gusto ko magkabahay". Wag "gusto kong mag travel", dapat "gusto kong mag BAGUIO". You should be specific to achieve your goal.
Measurable - Dapat nasusukat. How much. You need to determine the money you need to set a side for that goal.
Attainable - Do you think you can achieve that goal?
Realistic - If you think you can, then that is very realistic.
Timebound - Dapat may deadline. Kung wala kang deadline, you will just saving forever. Let's say you want a house. But kelan mo gusto magkaroon ng bahay? Ganun. ^^

Additional Tips:
Remember the inflation. Simplehan nalang natin. INFLATION - pag taas ng bilihin.
So kung mag iipon, you need to find a vehicle that will beat inflation, kasi kung hindi, maiiwan ang pera mo. ANG TAAS NA NG BIGAS NGAYON, tas yung pera mo ganun padin ang halaga? Hindi kana makakabili ng 16pesos per kilo na bigas, hindi gaya ng dati.
That is INFLATION.

Yun lang

Nexusz04
Financial Advisor
« Last Edit: 09-05-18 03:28 PM by Nexusz04 »

09-05-18 02:09 PM
sHeli
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09-05-18 05:28 PM
stuckup24
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saang insurance company ka  exusz? ;D
eh di hell yeah! :lmfao:

09-05-18 05:31 PM
sHeli
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Mag start ka na daw mag ipon stuck para sa future nyo ni crizzy



09-05-18 05:59 PM
stuckup24
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Mag start ka na daw mag ipon stuck para sa future nyo ni crizzy

ano yan, talo-talo? :rofl: :rofl: :rofl:
eh di hell yeah! :lmfao:

09-05-18 09:15 PM
Nexusz04
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saang insurance company ka  exusz? ;D

Proud to be AXA Philippines.
We failproof our clients' future ^^

09-05-18 09:17 PM
sHeli
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Axa? Di ba yan yung na kay metrobank?



09-05-18 09:19 PM
Nexusz04
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Yes po.
Partner po namen ang Metrobank :)

09-05-18 09:22 PM
sHeli
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May mapapagtanungan na pala ako regarding  sa policy ko :lmao:



09-05-18 09:25 PM
Nexusz04
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Sure po ^^,))
Just let me know.

09-05-18 09:26 PM
sHeli
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09-05-18 09:28 PM
stuckup24
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Axa ka pala. Ano ba offer nila? :lol:
eh di hell yeah! :lmfao:

09-05-18 09:33 PM
Nexusz04
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Axa ka pala. Ano ba offer nila? :lol:

We depend sa financial priorities nyo po. We first help our client kung ano po ang kanilang financial priorities. From there, find a solution na sasakto sa inyo. If you are ready to start the life you deserve sir, you can email me to discuss further :)

Axa.d.joemark@gmail.com

09-05-18 09:36 PM
stuckup24
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Goodluck sa career mo ;D
eh di hell yeah! :lmfao:

09-05-18 09:39 PM
Nexusz04
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Goodluck sa career mo ;D

Thanks Stuck :)

09-11-18 11:35 AM
fuujin
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pwede po makahingi nga advice sabi mo po sa inflation tumataas ang bilihin bali po yung savings natutulog lang kung may ipon ako mga 5k sa pig bank ano pong way para di sya matulog lang kasi yung inflation tumataas na.. any opinion po thanks in advance..

09-12-18 12:12 PM
Nexusz04
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Hello fuujin,

Thank you sa reply.

Ang inflation ay ang pag taas ng bilihin sa merkado, ang dating bigas ay 16 per kilo (ang naabutan ko), ngayon umaabo na sa 50 and above.

Currently ang inflation sa pinas ay around 6.4 .

 

If mag iipon ka po sa bank/ piggy bank, nandun lang po sya pero hindi tumutubo, ibig sabihin, pag nag lagay ka ng 5k dun, after 5 years, yung pera mo is not the same or tumubo lang ng .25%.

While ang presyo is tumataas, hindi nakakasabay ang pera mo. PAG NAG SAVE KA NGAYON DUN, AFTER 5 years, HINDI NA SAME YUNG MABIBILI MO. "People need to save to invest, kasi useless nga naman pag iipon kung ang pera mo pag dating ng araw ay pang candy nalang"

You need to find a vehicle that can beat inflation. Like VUL (Variable Unit Linked) sa mga insurance company, Like AXA Philippines.

If you have further question po, you can send me an email :)
« Last Edit: 09-12-18 12:14 PM by Nexusz04 »

10-30-18 01:26 PM
scorpio69
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Magandang pag aralan ng lahat, dapat sinasama sa mga grad students

11-02-18 02:50 PM
Nexusz04
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Magandang pag aralan ng lahat, dapat sinasama sa mga grad students

Agreed. Dapat talaga sinasama to sa school. ^^,)) thanks sa reply :)