Aspiring Achievers

Financial literacy can be the difference between life and death. Not just for you but your family too. Being financially literate is something you can control and do now.

Message me for a FREE financial consultation, or join our team and become a financial advisor.

💡 Always remember:
The past cannot be changed, but the future is yet in your power. It's never too late to start! ✨

And the best time to start is today. ☀️

Message me and let's talk. 📲

💡 Gentle Reminder! Always pay your premiums on time to keep your policy in force. You'll never know when a SAD event (Sickness, Accident, Disability/Death) will strike, so it's best to keep your insurance active to be able to claim its benefits when you need them most! 💯

Are you ? If not yet,
PM is the 🗝‼️

Bright news! ☀️

You may now pay your initial premium via the GCash Bills Payment facility using the biller name Sun Life of Canada Phil., Inc.

You may also see the complete list of available payment channels here: https://sunlife.co/insurance-payments

In this season, it always pays to be prepared. ☂

"Always prepare yourself for a financial emergency, even if you don't see a possibility of a rainy day in your future."
- Edmond Mbiaka

Schedule a discovery call with us! 📲
Link in bio.

THE RAINY SEASON IS HERE! 🌨

In order to adjust our body's resistance to the changing weather, here are some ways to stay healthy this rainy season. 💖

Living in a world of distraction brought by modern technology and social media, we have lost our focus and thereby shortening further our attention span.

We have to re-learn how to focus by exercising our focus muscles. Some simple steps to practice focus are the following:

1. Make a to-do list.
2. Dedicate a timeframe for each task. (For example, 25min for writing an essay)
3. Have a 5min break in between tasks to rest your mind and readjust your focus.

Make this a habit to accomplish tasks and be more productive. ✅

Whatever you're planning to do: learn a new language, start a dance lesson, draw a painting, snap a photo, account for your expenses, start saving, invest a part of your savings, or get insured.

Stop making excuses and just start! 🎯

Happy Father's day to all our dads, papa, tatay, papang. May God bless you and your family continually. 💖🧔

Proverbs 20:7
The just man walketh in his integrity: his children are blessed after him. (KJV)

THE "NO" BUDGET

In simple words, do not spend money you don't have. Instead of creating a budget, you can do the following to manage your money:

✅ Monitor your savings bank accounts weekly or monthly to track your spending.
✅ Take note of the due dates for recurring bills such as electricity, water, and phone bills payments. You may jot a reminder in a calendar or notification in your mobile phone calendar so you won't forget.
✅ Make sure to set aside cash for savings and debt repayments to avoid unnecessary penalties caused by overdue payments.
✅ Only spend what's left over for the month.

While the “no” budget sounds easier than the other methods we’ve posted, it’s not always easy to tell yourself “no.” This budgeting method is best if you’ve demonstrated spending discipline in the past and are confident that you can continue that streak.

50/30/20 BUDGET

This budgeting method is the most flexible and customizable method. The idea is to break down your expenses into three categories:

1. Essential Needs (50%)
2. Savings (30%)
3. Wants (20%)

This is a great option for newbie budgeters because it doesn’t require meticulous tracking of all your expenses. You can succeed with this budget as long as you know what counts as a want versus a need and put enough money toward savings and debt.

The main drawback is that the 50/30/20 rule might be unrealistic for people who have a lot of debt or have big savings goals.

But the good news is that you can customize it to fit your needs by using different proportions of break down such as 60/20/20 wherein Needs (60%), Savings (20%), and Wants (20%) or 30/30/30/10 wherein Rent/Loans (30%), Needs (30%), Savings (30%), and Wants (10%).