Blessed Adulting

"DON'T PUT ALL YOUR EGGS IN ONE BASKET."

Madaming pilipino ang nakalagay lang ang sahod o pera sa iisang bank account, they tend to think na madami silang pera kaya naman they tend to do impulsive buying dahil naka allocate lang ang pera nila sa iisang bank account, hindi nila namamalayan nauubos ito ng paunti-unti.

This is a simple solution how to control yourself from impulsive buying.

TIP #1: ALLOWANCE - iwan sa payroll account ang mga pang bayad sa necessities.

TIP #2: EMERGENCY FUND - mag open ng digital bank account na may annual interest rate na 3-4% year. Mas lalago ang naipong emergency fund kung dito itatabi. Iwasang galawin ang EF kung di naman kailangan.

TIP #3: WANTS/LEISURE : Mag-open ng savings account para dito or pwede naman na itabi nalang sa wallet, para mas madali kunin kung kailangan o may nais bilhin. Hindi masamang i-treat o rewardan ang sarili, but make sure you budget your money wisely.

TIP #4: INVESTMENT/INSURANCE/SAVINGS : Pwedeng mag open pa ng isa pang savings account para rito. Sa Insurance, mas mainam na naka auto-deduct ang premium payment sa iyong policy, upang updated ang iyong bayad. Ilaan din dito ang para sa Investment gaya ng MP2, stocks, mutual funds at iba pa.

Pru Life UK Financial Consultant - Joana De Vera
Licensed Financial Advisor | Certified Investment Advisor
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Kukuha ka na lang ng insurance with investment, may free cc pa! 💳
Wow! 🤩

How to apply?
➖ DM me to discuss the plans and benefits
➖ Prep your 1 Valid ID for signing

One way of showing how much you love your family is securing their future 💕

And when it comes to life insurance, you may want to consider a plan that covers the whole family.

For daddy, mommy and for the children.

Pm me for free financial consultation.

I have four competitors: Death, Disability, Illness and Old Age. My job is to see my clients before any of my competitors.

Happy Choose Day! ✨

3 TRUTHS ABOUT LIFE INSURANCE

◼️ Life insurance gets expensive as you age.

◼️ Not everyone can be insured.

◼️ The best time to start a life insurance policy is while you are still healthy.

We want to help you. Message now for free financial consultation 🥰

Let’s talk about RETIREMENT

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 Naija 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.

ctto

While you are doubting, others are wisely growing and protecting their money 💯

Take Advantage of your:
✅ Good Health
✅ Income to grow
✅ Time
✅ Energy while young

You may delay it, but time will not, and lost time is never found again.

You have been working so hard, make your money work for you!

Always be grateful and remember how you started. 🤍

Minsan, we tend to look for the things that we don’t yet have. Gusto ko ng bahay, gusto ko ng kotse, gusto ko ng ganito, ng ganyan. We are being consumed kung ano ‘yung mga wala pa sa atin without even realizing what we currently have and how far we’ve already come.

Take time to ponder. Pause. Breathe.

Oo, malayo ka PA pero malayo ka NA—kung saan ka nagsimula.
‘Yung dating tingi na pagbili mo sa tindahan, ngayon nakakapag-grocery ka na ng isang buwan. ‘Yung dating tuyo na ulam, ngayon unli samgyupsal. ‘Yung dating yum burger, ngayon supermeal. ‘Yung mga bagay na dating gusto mo lang, ngayon nabibili mo na anytime.

Don’t stress yourself too much dearest, take it one step at a time and celebrate your small wins. ✨

PADAYON—isang mahigpit na yakap para sa ating lahat na nagsusumikap. 🥰

CTTO to She's Just The Girl 💗

People tend to insure their properties cars, gadgets, wedding. But, when asked what is the most important thing in their life, they often say FAMILY and yet they are UNINSURED!

The cost to protect you and your family can be as low as 50 to 100 pesos per day. Protecting your family SHOULDN'T be an option. It should be your PRIORITY.

Let me help you and your family get the protection that you need. Send me a private message and let's discuss it online.

PRIORITIZE FIRST YOURSELF & FAMILY OVER YOUR ASSETS.

BACK-TO-BACK NUMBER 1! ❤️

PRU LIFE UK is still the NUMBER 1 life insurance company in the Philippines in terms of NBAPE! 🏆

NBAPE - "It is an international standard that the Commission adopted to more accurately measure the life insurance industry's sales performance." -Commissioner Dennis Funa

PRU LIFE UK is really leading the way:
✨ Pioneer in offering investment-linked insurance programs
✨ First to offer dollar-denominated policies
✨ Only company to have a Financial Program with Quarterly Payouts
✨ Most recommended insurance company according to Esquire Magazine
✨ Number 1 in Corporate Governance for 4 consecutive years

Congratulations to all the Clients of Pru life UK 👏



Source:https://www.insurance.gov.ph/wp-content/uploads/2022/03/Life-Rankings-2021-based-on-Q4-NBAPE.pdf