The Financial Mentor

𝐆𝐮𝐬𝐭𝐨 𝐦𝐨 𝐛𝐚𝐧𝐠 𝐤𝐮𝐦𝐮𝐡𝐚 𝐧𝐠 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐧𝐚 𝐋𝐈𝐅𝐄𝐓𝐈𝐌𝐄 𝐚𝐧𝐠 𝐛𝐞𝐧𝐞𝐟𝐢𝐭𝐬?

𝐨 𝐛𝐚𝐤𝐚 𝐠𝐮𝐬𝐭𝐨 𝐦𝐨 𝐧𝐠 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐧𝐚 𝐦𝐚𝐲 𝐬𝐢𝐠𝐮𝐫𝐚𝐝𝐨𝐧𝐠 𝐜𝐚𝐬𝐡 𝐛𝐞𝐧𝐞𝐟𝐢𝐭, 𝐚𝐭 𝐡𝐢𝐧𝐝𝐢 𝐧𝐚𝐠𝐛𝐚𝐛𝐚𝐠𝐨 𝐭𝐚𝐨𝐧-𝐭𝐚𝐨𝐧?

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𝗔𝗻𝗼 𝗮𝗻𝗴 “𝗟𝗼𝘂𝗱 𝗕𝘂𝗱𝗴𝗲𝘁𝗶𝗻𝗴?”

May nabasa akong article tungkol sa isang sikat na artistang ganito raw ang mindset pagdating sa pera.

Ang ibig sabihin ng Loud Budgeting ay ang pagiging totoo at tapat sa sarili, sa kaibigan, at sa pamilya tungkol sa kakayanan mo sa pera. Kailangan mong sabihin kung hanggang saan lang ang kaya mong gastusin.

Halimbawa, kapag inaya ka ng kaibigan mong mag Starbucks kahit alam mong petsa de peligro na, pipiliin mong huwag nang sumama at sabihin na hindi muna ito pasok sa budget mo.

𝘔𝘢𝘩𝘪𝘳𝘢𝘱 𝘣𝘢 𝘪𝘵𝘰𝘯𝘨 𝘨𝘢𝘸𝘪𝘯? 𝘖𝘖 𝘕𝘈𝘔𝘈𝘕! 𝘓𝘢𝘭𝘰 𝘯𝘢 𝘬𝘶𝘯𝘨 𝘯𝘢𝘴𝘢 “𝘩𝘦𝘢𝘭𝘪𝘯𝘨 𝘺𝘰𝘶𝘳 𝘪𝘯𝘯𝘦𝘳 𝘤𝘩𝘪𝘭𝘥” 𝘱𝘩𝘢𝘴𝘦 𝘬𝘢 𝘱𝘢 𝘳𝘪𝘯.

📌Here are some ways to start practicing Loud Budgeting:

𝟭. 𝗗𝗲𝗰𝗶𝗱𝗲 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗴𝗼𝗮𝗹𝘀 𝗮𝗻𝗱 𝘀𝘁𝗶𝗰𝗸 𝘁𝗼 𝗶𝘁
✨ Anong goal mo sa pag iipon this 2025? Makabili ba ng bahay? Ng kotse? O maubos lahat ng utang?
✨ Pili ka ng isa at isulat o iprint mo. Idikit sa kwarto o sa bahay para lagi kang maremind.

𝟮. 𝗦𝗲𝘁 𝗮 𝗿𝗲𝗮𝗹𝗶𝘀𝘁𝗶𝗰 𝗯𝘂𝗱𝗴𝗲𝘁 𝗳𝗼𝗿 𝘆𝗼𝘂
✨ Kung di mo alam san napupunta ang pera mo, hindi ka makakaipon.
✨Set a comfortable amount every cut off. Remove mo na yung mga hindi naman kailangan.

𝟯. 𝗕𝗲 𝗙𝗶𝗿𝗺 𝗮𝗻𝗱 𝗛𝗮𝘃𝗲 𝗻𝗼 𝗦𝗵𝗮𝗺𝗲
✨Ito yung pagkakataon sa buhay mo na okay lang maging walang hiya — walang hiya na aminin na hindi mo afford yang travel, coffee date, beach travel, bagong bag, o kung anoman!
Okay lang maging honest kesa naman broke.
✨Everytime someone pressures you to do so, be firm and respectfully decline.

In my case, ang partner ko ang nagturo sakin ng Loud Budgeting. Lagi niyang sinasabi na “hindi yan pasok sa budget natin, next time ka na mag jollibee.” Charet. I am so thankful that I have someone in my life who always inspire me to be financially responsible.

Money is very important nowadays, so be wise in spending. For more financial tips, follow ✨

Every Insurance Plan is Unique 🥰

Last week, I met with a friend who asked me about the benefits ng insurance plan niya. Bakit daw yung insurance niya may hospital income, yung sa friend niya wala, pero mas mura pa yung kanya.

Bakit daw ganito yung kasama sa benefit niya etc..

I explained to her that when she got her insurance policy (which was 10 years ago, and she was just transferred to me recently kasi wala na FA niya) these are the benefits that she agreed upon with her FA.

If ever gusto niyang ipabago, dagdagan o bawasan man, pwedeng-pwede!

Customizable ang insurance plans, you can easily add benefits that will give you peace of mind and financial security.

Photo from

It’s been 3 weeks since I stopped drinking any kind of soda.

2 weeks since I stopped drinking any colored drinks except black coffee.. (hopefully mawala din ang kape)

Sounds easy, pero believe me napakahirap baguhin ang nakasanayan.

Especially when I go out and eat somewhere, lahat ng kasama ko mag oorder ng iced tea or soft drinks. Parang nakakainggit din.

But everytime I’m tempted, I remind myself of the reason why I decided to commit myself to healthier lifestyle this 2025.

I have learned that in order to become better, sometimes we have to allow ourselves to sacrifice. Sa case ko, sacrifice ko muna yung sweet tooth ko 😆

Ikaw, anong commitment mo for a healthier YOU this 2025?

“Mahal ipanganak, pero mahal din ang mamatay.”

Last week, may sinamahan akong kaibigan para mag ayos ng application niya para makakuha ng life insurance. Ang unang tanong ko sa kanya eh, “Bakit mo naman gustong kumuha niyan eh 22 ka pa lang?”

Kinuwento niya sakin na noong namatayan sila ng mahal sa buhay, umabot ng halos kalahating milyon ang gastos. Bayad sa ospital, bayad sa memorial service, memorial lot, etc.. lahat ito masakit sa bulsa.

Kung saan saan nangutang ng pera ang nanay, tita, at mga pinsan niya.

Iyan ang isang bagay na ayaw niyang problemahin ng pamilya kapag namatay siya.

Hindi makakaiyak nang maayos ang mga magulang niya kasi problemado sa pagpapalibing. Kaya pagkatapos ng pag uusap namin, pinlano naman niya kung paano sya mkakakuha ng memorial lot at memorial plan.

Kaya walang masama kung medyo “advanced” tayo mag isip sa buhay. Sa totoo lang, mahal ang mamatay sa panahon ngayon. Kailangan may back up, may na ipon na pera para hindi ma zero ang pamilya.

3 Things You Need to Prioritize if you’re Adulting Responsibly this 2025:

1. Get an HMO
Many companies actually provide HMO benefits to their employees. If you have one, maximize it!

If you’re a freelancer, there are budget-friendly HMO plans you can try:
✅Kwikcare
✅Pacific Cross
✅Maxicare
✅Medicard

Each Lab tests can range from 1500 pesos -2000 pesos. Nung nagpacheck up ako, umabot ng halos 15k yung gastos sa lab tests at doctors fee. Thank God lahat yun ay nabawas sa HMO ko.

2. Get vaccinated
Yes you read it right! Hindi lang baby at toddlers ang may kailangan ng bakuna. For working professionals, health is something that’s always taken for granted.

Getting vaccine shots can help boost your immune system, thus helping you live your life to the fullest. Iwas absent sa trabaho, iwas gastos sa hospital. Here are some of the vaccines you might need as an adult:

💉HPV vaccine
💉Flu vaccine
💉Hepatitis B vaccine
💉TdaP (Tetanus, Diphtheria, Pertussis) vaccine

I recommend getting vaccines from trusted hospitals and from Kindred clinics (they have in BGC and Vertis North)

3. Get a Life Insurance
A life insurance gives you peace of mind. BONUS NA LANG ANG INVESTMENT PORTION (Okay lang din na wala). We all know that we have one destination in life, although we hope it’s not too soon. Preparing for it ahead of time would secure our future plans as well.

Life Insurance computation:

Annual Income x 10 = Recommended Life Insurance Coverage

Kung di pa kaya ng budget, I recommend getting at least half of it. This money will be given to your chosen beneficiaries in the most crucial times of your life.

To inquire for life insurance, send me a message! Let’s talk about the best plan for you. 🥰

Thinking of a NEW YEAR Resolution?

Avail your own insurance policy! 🥳

Pru Life Insurance plan with 5-in-1 benefits:
✅ Death Benefit
✅ Critical Illness
✅ Accident Benefit
✅ Hospitalization and Confinement
✅ Investment

For as low as ₱100/day. Message us for more details!

Walang kwenta nga ba ang life insurance?

Hanggan ngayon, marami pa ring Pilipino ang “allergic” tungkol sa usapan ng life insurance. Sayang lang daw sa pera 😭

Pero marami na rin ang nakakaintindi sa kahalagan ng life insurance, lalo na sa bansa nating madalas tamaan ng mga bagyo at iba pang kalamidad.

“Kung priority mo ngayon ang kapakanan ng iyong pamilya, kukuha ka ng life insurance.”

Ikaw, may life insurance ka na ba?

𝐓𝐡𝐢𝐧𝐤𝐢𝐧𝐠 𝐨𝐟 𝐭𝐡𝐞 𝐩𝐞𝐫𝐟𝐞𝐜𝐭 𝐂𝐡𝐫𝐢𝐬𝐭𝐦𝐚𝐬 𝐠𝐢𝐟𝐭 𝐟𝐨𝐫 𝐲𝐨𝐮𝐫 𝐛𝐚𝐛𝐲, 𝐨𝐫 𝐲𝐨𝐮𝐫 𝐢𝐧𝐚𝐚𝐧𝐚𝐤?

Gusto mo ng regalong makakapagpabago ng future ng anak mo?

𝗚𝗲𝘁 𝗮 𝗹𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝘄𝗶𝘁𝗵 𝘄𝗲𝗮𝗹𝘁𝗵 𝗯𝘂𝗶𝗹𝗱𝗲𝗿 𝗽𝗹𝗮𝗻 𝗳𝗼𝗿 𝗮𝘀 𝗹𝗼𝘄 𝗮𝘀 𝟴𝟬 𝗽𝗲𝘀𝗼𝘀/𝗱𝗮𝘆! :)

This plan covers critical illness, hospitalization, and even college fund.
For more info, send us a message.

A friend of mine was diagnosed with Stage 2 cancer. In order to get enough treatment, he has to take a leave from work and use his savings to cover the costs. Sadly, we weren’t able to complete his life insurance application before his diagnosis.

This experience has been a reminder of how important it is to think ahead when it comes to protecting ourselves and our loved ones. I dont blame my friend, but life can be unpredictable.

Sometimes we don’t realize the value of having something like insurance until we’re faced with a situation like this.

If you’ve been thinking about getting coverage, or even just learning more about your options, it’s worth considering. We may not always know what’s around the corner, but taking small steps now can make a difference later on.

Pag approved na ang Life Insurance application niyo, don’t forget to thank Beyonce. Chariz 😆

Mas marami raw ang kumukuha ng insurance ng kotse kesa sa life insurance.

Kapag bumili ng kotse, automatic na mag iinquire ng insurance.

Pero hindi na interesado kapag insurance na para sa kalusugan at sa mga mahal sa buhay. Sayang lang daw kasi ito! 🥲

—
Common Misconceptions about Life Insurance:

⭕️ Life insurance is “Expensive”

You can buy life insurance as low as ₱70 per day 🙂 With lifetime benefits, and investment pa 🙂

⭕️ It’s difficult to claim your benefits when you need it.

As long as the requirements are complete, it would take one week-2 weeks for the receipt of the claims.

Make sure that YOU and YOUR LOVED ONES are INSURED today! And not just your material wealth 🔏