IMG - Theresa Arroyo

R E T I R E M E N T

1. One day you will retire. You won't be going to work. You won’t have office power any more. No influence or at best, a reduced influence. Your cash flow will also reduce! Check retirement date on your payslip.

2. Always go for your 30days annual leave. Whatever you do during your leave, is what you will be doing when you retire. If all you do is to sleep or watch TV, then that’s what you are likely do do in your retirement. Remember the book of Proverbs. A little sleep and a little slumber, so shall your poverty multiply.
Watching Big Brother will not save you heartache in retirement. Learn a trade or a skill during your leave. It will come handy. Spend your after-office hours learning something. Don’t spend it sleeping, Gossiping, watching TV!! Same goes for your weekend. Make them productive. You will thank yourself for spending your time productively.

3. Invest for your retirement... your children are not retirement investment. Don’t bank on your children’s support or the support of friends or relations. That’s a BIG risk. It may not happen. Be ready to take care of yourself!! Everyone has his own responsibilities. They won’t be able to help you that much. You will also lose your dignity and respect if you adopt a life of begging.

4. Start a hobby early in your working days to take you along when you retire. Rearing chicken, farming or own a shop. Acquire marketable skills (not useless paper certificates), etc.

5. Where shall you retire. Build yourself a home. Don't retire and start to rent a house or refuse to vacate government house. You will be at the mercy of your landlord at a time when your cash flow is not only reduced but unpredictable!!

6. Who shall be your dependants. By the time you retire, your children should be above 18, and self reliant.

7. Don't retire and stay in a big city unless you can TRULY afford it. You can't continue living in a big city after 60 with limited financial resources. The language and the hustle will be hard for you. Where possible, Relocate to a less expensive town where your reduced take home (pension) can go further.

8. Have property which can be rented or converted into cash. Have shares that pay good dividends. Plant cash trees. Rear goats, cultivate vegetables etc. these activities will not only give you income but will also keep you healthy.

9. Live a simple life. If you never built a house at your rural home, dont use your retirement package to build. It is unwise unless you plan to live there on a permanent basis or you are super rich and therefore can afford the luxury. The choice is yours.

Note that many of retirees die early because of the following:

1. They are Not mentally prepared to retire.
2. Lack of finances
3. They Lapse into Depression
4. They develop Hypertension/ Diabetes because of worries, anxiety and uncertainty and financial pressures.

YOUR DESK AT YOUR WORK PLACE IS NOT PERMANENT.
PLAN FOR YOUR RETIREMENT. 😊
📩➡️➡️ https://m.me/Theresa.Lacaran29

CTTO

OFW ka ba??! For sure makakarelate ka dito.
Kahit uwing-uwi kana pero para sa pamilya mo,
mag-stay ka muna sa ibang bansa para magtrabaho.

Madalas ang pangarap ng bawat OFW para sa kanilang pamilya ay:
✅magkaroon ng bahay
✅mapag-aral ang mga anak
✅Magkaroon ng retirement funds
✅Magkaroon ng healthcare plans
✅Magkaron ng negosyo pag-uwi
✅Magkaron ng sapat na ipon

Na-check mo na ba itong mga ito kabayan?
If hindi pa lahat, I would like to invite you to be part
of our Financial Coaching Webinar,
Dito mapag-uusapan natin paano mo
ito makakamit kahit ikaw ay nasa
ibang bansa pa.

Tara pag usapan natin kung paano mag umpisa! 😊
Attend ka sa aming FREE Financial class,message mo lng ako.
➡️➡️📩 https://m.me/Theresa.Lacaran29
cto

Financial Literacy Month is in full effect so let's start writing down our "money chore list." What are your financial goals that you wish to tackle and tidy up this month? Here are a few examples of our money chore list and we will share more on how you can cross each item off your list throughout the month of April - Financial Literacy Month.

Save Diligently!

Saving is making provisions for tomorrow. The most effective way to save is to do it every time you receive income. Save for both long-term and short-term needs. Long-term savings are intended to fund long-term needs such as retirement or for the college education of your kids. Short-term savings should be in an account that is easily accessible for your usual monthly expenses as well as your emergency funds.

“Precious treasure and oil are in a wise man’s dwelling, but a foolish man devours it.” (Proverbs 21:20, ESV)

HIndi talaga instant yaman kapag nagkatrabaho ka na.
Depende pa rin yan sa lifestyle at papano ka magtatabi
ng inyong pera kada buwan at papano ka mag titipid sa mga
gastusin mo.

While you are just starting to work or probably matagal-tagal
ka na rin nagtatrabaho at gusto mo mas maging maayos ang
iyong financial life, you have to learn the Basic Financial Foundation.

When you learn this, mas magiging solid ang understanding
mo at magiging broad ang iyong mga ways sa save money.

Want to start it now?
Tara usap tayo and attend ka sa aming
Free Financial Foundation 😊
📩➡️➡️ https://m.me/Theresa.Lacaran29
cto

Retirement means no stress, no pressure, and no worries. It depicts bliss, fun, and freedom – but not when you’re in a bad financial situation.

A bad financial situation is the consequence of decisions made in the past. There are financial decisions that seem to be okay at the moment but may hurt in the long run – worse is when there’s just no way to get out of it.

So before you hit retirement age, avoid and learn from these seven common financial mistakes that most retired people say they regret.

-

Live as if you were to die tomorrow.
And prepare as if you were to live forever.

Just simply YOLO wisely.
So you can make the most out of your life. 💛

Ano ang EMERGENCY FUND?

Ang EMERGENCY FUND ay isang pondo ng pera na nakalaan “lamang” para sa mga hindi inaasahang pagkakataon. Ang ilang mga halimbawa nito ay ang mga sumusunod:

• Biglaang pagkatanggal sa pinapasukang trabaho.
• Biglaang pagkakasakit ng miyembro ng pamilya.
• Biglaang pagkamatay ng mahal sa buhay.
• Biglaang pagkasira ng mga ari-arian gaya ng bahay, kotse, etc.

At kung anu-ano pang mga “BIGLAAN” sa buhay mo.

👌 8 TIPS upang mapabilis ang pagbuo ng Emergency Fund.

1.Gumawa ka ng savings account mo at tawagin mo itong “NO-TOUCH ZONE ACCOUNT“.

2. I-treat mo ang savings mo as part of your expenses. Kung maaari, magpa-auto debit (i-automate mo ang iyong savings) ka tuwing darating ang sahod mo. Sa pamamagitan nito, magiging mindset sa iyo na kung ano lang ang nakikita mo sa ATM mo, yun na lang ang pera mo at yun lang ang pagkakasyahin mo para sa lahat ng expenses mo.

3. Kung makita mo na umabot na sa 10k ang pera mo, ilipat mo ito sa ibang “bank service” na mas malaki ang tubo. Personally, ang maipapayo ko ay ilagay mo ito sa isang FIXED INCOME or MONEY MARKET FUND investment (Hindi ko ipinapayo na ilagay mo ito sa isang Time Deposit dahil sa oras na kailanganin mo ang pera, hindi mo ito agad agad na makukuha.)

4. Pagdating ng BONUS mo pag December, i-derecho mo na agad ito sa iyong “NO TOUCH ZONE” account.

5. Itatak mo sa isip mo na gagamitin mo lang ang perang nasa account na ito sa panahon ng EMERGENCY lamang. Again, EMERGENCY lamang. ⛔

6. At ang SALE sa mga malls ay hindi isang EMERGENCY! ❌

7. Ang panghihiram ng pera ng mga kamag-anak ay hindi mo emergency. Kung nais mo talaga silang tulungan at para hindi sila magtampo sa iyo, maglaan ka ng isa pang emergency fund para sa mga kamag-anakan mo. Hindi ito pagdadamot. Pero dapat maisip mo na may sarili ka ring binubuong emergency fund para sa sariling pamilya mo.

8. Palibutan mo ang sarili mo ng mga taong marunong sa pera, at mag-e-encourage sa iyo na makapag-impok at ma-achieve ang emergency fund, short-term at long-term goals mo.

Be Financially Literate. Para mas matuto pa..
Attend ka sa aming libreng Financial Classes! 😊
📩➡️➡️ https://m.me/Theresa.Lacaran29
cto

Time is your currency,use it wisely‼️📢🥰

G-fam pwedeng mangyari sainyo na mataas ang income pero wala pa rin ipon. Marami na akong nakausap na ganito.

Nag-increase naman ang kanilang income na pumapasok pero zero savings pa din.

Eto ang possibleng dahilan nyan:
➡️ Living beyond your means and spending more than you earn.
➡️ Not having a budget or financial plan in place
➡️ Facing a high cost of living
➡️ Unexpected expenses or financial emergencies that deplete savings
➡️ You like short-term rewards and instant gratification

Kung one or more than dyan ay na-eexperience mo,
You have to re-evaluate your finances.

Sayang ang panahon na pwede kang makapag-ipon
ng madami while you can.

Let me help you and guide you sa iyong the road to financial stability. Message me here ⬇️☺️
📩➡️ https://m.me/Theresa.Lacaran29
cto

G-fam Kung andito ka sa situation na ito,
Here are 3 things na pwede ninyo gawin:

1. Recognize that you are not alone:
Marami may mga utang at hindi ito
reflection ng buong pagkatao mo.

2. Breakdown your debts: Focus and prioritize
muna bayaran ang pinakamataas na interest rates.

3. Seek out support and guidance.
Consider reaching out to a financial coach
para matulungan ka ma identify ang
pwedeng maging solutions mo

If you want me to guide you on this matter,
Attend our Free financial Coaching Webinar for Free!
📩➡️➡️ https://m.me/Theresa.Lacaran29
cto