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3 things you need!

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In personal finance, cash flow is all about income and spending. If you’re spending more than you earn, you’ll have a negative cash flow. How can you improve this? Earn more, spend less.

Again, sounds simple, but it’s not that easy to do. To help you out, here are a few ways you can improve your cash flow:

1. Make more money. The most straightforward way to have more money is, well, to make more money. So invest in your best asset — yourself! Read books, widen your knowledge, improve your skills to expand the range of income streams you can have. Having more marketable skills will increase your earning power and positively influence your cash flow.

2. Invest in learning. This is a part of investing in yourself. The more you know, the more ways you can find to make money. Whether that’s by improving yourself in your current company or learning ways you can start your own business or sidelines, learning is an investment that will never go to waste.

3. Be enterprising. I’ll admit that I don’t think entrepreneurship is for everyone. However, I still think that more Filipinos can go into entrepreneurship. But it’s important that you go into it armed with knowledge — among others, you should read about the business you want to get into, observe the market, make sure your business plan is solid, and have an exit plan. It would also help to start small, such as basic buy and sell or commission selling. If you prepare correctly, and with God’s grace, you could be one of them. A successful business or sideline will do wonders for your cash flow.

4. Spend less money. Making more money takes time and effort. It may take months for you to get that pay raise, or even longer for your business to start raking in profits. You know what takes less effort and has immediate effects? Spending less money! I’ve said it so many times that you might feel like I’m a broken record, but it’s still true — the way to wealth is spending less than what you earn and investing the difference. If you do this for the long term, you’re sure to meet your goals.

While it may take objectively less effort to spend less than to make more, it also feels a lot more painful. We Filipinos have a culture of spending. How many times have we promised ourselves that we’d be more diligent about spending, only to go out and make unnecessary purchases?

Join us at Build Your Future 2023 https://randelltiongson.com/its-back-build-your-future-2023/

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The NEW Abraham Maslow's Hierarchy of Human Needs 😮

A few days left to choose PRULink Cash Flow Fund Plus when you avail of a new PRULink Investor Account Plus or PRUMillionaire insurance plan!

Know more about it through your Pru Life UK insurance agent or fill out this form bit.ly/PRUinquiry_form.

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I don’t discourage you saving in a bank but I highly encourage you to also get an Insuravest Plan. 💫😘

Protect your yamans!😉

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ɪꜰ ꜱᴏᴍᴇᴛʜɪɴɢ ᴡᴇʀᴇ ᴛᴏ ʜᴀᴘᴘᴇɴ ᴛᴏ ʏᴏᴜ ᴀɴᴅ ʏᴏᴜʀ ɪɴᴄᴏᴍᴇ ꜱᴛᴏᴘᴘᴇᴅ ᴛᴏᴍᴏʀʀᴏᴡ, ʜᴏᴡ ʜᴀᴠᴇ ʏᴏᴜ ᴘʟᴀɴɴᴇᴅ ᴛᴏ ꜱᴜᴘᴘᴏʀᴛ ʏᴏᴜʀ ꜰᴀᴍɪʟʏ?

Getting yourself covered is the best gift for your family. 🛟👨‍👩‍👧👨‍👩‍👧‍👦🏠

Protect your Income. ⭕️

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Thank you for making us the third most recommended brand and the top recommended insurer in the Philippines!

Your continued trust inspires us to provide better health and wealth protection and spread more to more Filipino families.

The ranking is based on YouGov Recommend Rankings 2022. Read to know more https://business.yougov.com/content/43567-yougov-recommend-rankings-2022-philippines

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