Joan Sangil, Financial Coach

04/02/2026

04/02/2026

Money TIPS:

✔ Don’t bring your money with you.
✔️ Cook at home.
✔️ Buy your groceries in Public Market not in Malls weekly, not daily, not monthly. (Market: Ampalaya 50/kl vs Mall 147/kl)
✔️ Remove unimportant expenses.
✔️ Lower down the cost of your important expenses. (Ex. Ganador 55/kl while Sinandoming 42/kl)
✔️ Buy your own tumbler and bring your own water. Avoid buying outside. (Natures Spring 500ml 15.00 while if you bring its FREE)
✔️ If you’re not in business don’t buy CAR.
COMMUTE: plete ka 11.00 x 2 x 26days = 572.00/month
WHILE:
CAR Expenses: 15k/month car + 5k/mo gas + 2k/mo parking = 22k/month
✔️ Always set aside 20% of your income to your Mandatory/Disciplined SAVINGS.

What makes us POOR is our bad spending habits.

04/02/2026

Think Big

https://308040eu.imgcorp.com/linkbio

04/02/2026

https://308040eu.imgcorp.com/linkbio

04/02/2026

When financial advisors continuously message you, it’s because they think
YOU ARE INSURABLE.
Either be grateful or be regretful that you missed your chance to get insured.

03/02/2026

Money rule

03/02/2026

Do not let your hard-earned money be wiped out by a single emergency in your family.

Get your Kaiser 3-1 (Healthcare, Life Insurance and Investment) now.

For as low as 88/day you can have your peace of mind. 🙏🥰

03/02/2026

☝🏻☝🏻☝🏻