10 LESSONS ON FINANCES: 💯

1. Kung below P20,000 ang sahod mo dito ngayon sa Pilipinas, kakapusin at kakapusin tayo. Add income or aim for higher compensation. Kaya natin 'yan.

2. Bumuo ng EMERGENCY FUND - amount na pwedeng sumalo sa expenses mo ng 6 months kung sakaling mawalan ka ng income.

3. Follow this MONEY FORMULA:

Income - Savings = Expenses

Unahing itabi ang ipon kahit gaano kaliit. This way, you can build the proper habit and mindset.

4. Kung hindi pa AFFORD - huwag bilhin. Minsan, tayo rin yung naglalagay sa sarili natin sa mahirap na sitwasyon dahil impulsive shopper tayo. Use 14-day rule.

5. Hindi porke naka-SALE, eh bibilhin mo na. Lalo na kung di mo naman talaga kailangan. Lilipas din 'yang emotion na yan.

6. Zero debts = Peace of Mind. Iwas na lang kung hindi kayang i-manage ang utang. Maraming anxious dahil sa utang kaya hindi makapagtrabaho ng maayos.

7. BUDGET - you cannot improve something you don't measure. Alamin mo ang total income mo at total na lumalabas sa expenses mo.

8. Must learn to live BELOW OUR MEANS. Don't go broke trying to look rich. Okay lang na hindi laging bago ang gamit, sapatos at mga damit. Basta ok lang yan.

9. MONEY IS NOT EVERYTHING, but we cannot deny the fact that we NEED money to live comfortably. So, SAVE and INVEST properly.

10. Life and health insurance are not expensive, death and illness are. Be financially protected.

You can change your life and financial status with proper mindset and disciplined actions. Let's use the remaining 6 months to have financial growth! 

 Ccto ✨