20/11/2023
๐๐๐ฏ๐ ๐ฒ๐จ๐ฎ ๐ญ๐ก๐จ๐ฎ๐ ๐ก๐ญ ๐จ๐ ๐ฐ๐ก๐๐ญ ๐ฒ๐จ๐ฎ ๐ฐ๐ข๐ฅ๐ฅ ๐๐จ ๐ฐ๐ข๐ญ๐ก ๐ฒ๐จ๐ฎ๐ซ ๐๐๐ญ๐ก ๐ฆ๐จ๐ง๐ญ๐ก ๐ฉ๐๐ฒ?
๐๐๐ญ ๐ฆ๐ ๐ฌ๐ก๐๐ซ๐ ๐ฐ๐ข๐ญ๐ก ๐ฒ๐จ๐ฎ ๐ฌ๐จ๐ฆ๐ ๐ญ๐ข๐ฉ๐ฌ ๐จ๐ง ๐ก๐จ๐ฐ ๐ฒ๐จ๐ฎ ๐๐๐ง ๐ฎ๐ฌ๐ ๐ฒ๐จ๐ฎ๐ซ ๐๐๐ญ๐ก-๐ฆ๐จ๐ง๐ญ๐ก ๐ฉ๐๐ฒ ๐๐๐๐๐๐.
1. ๐๐ญ๐๐ซ๐ญ ๐๐ง๐ฏ๐๐ฌ๐ญ๐ข๐ง๐ - You may invest in mutual funds, stocks, or get yourself a VUL -- a life insurance with investment component. Insurance is one of the best investments that is often overlooked by most Filipinos. However, life in unpredictable, and a life insurance, for example, can protect your family from financial setbacks in the event of your loss. You may also invest in your health care to cover medical costs when you get hospitalized.
2. ๐๐ฎ๐ข๐ฅ๐ ๐๐จ๐ฎ๐ซ ๐๐ฆ๐๐ซ๐ ๐๐ง๐๐ฒ ๐
๐ฎ๐ง๐ - Increase your emergency fund through a separate account where you can save money for urgent needs. Have you already saved 6x of your monthly income for emergencies? You can use your 13th-month pay to increase your fund.
3. ๐๐๐ฒ ๐๐จ๐ฎ๐ซ ๐๐๐๐ญ๐ฌ - Make the wise decision of paying your debts such as your personal loan. Create a list of your debts and categorize them by importance, and pay the ones that have high-interest obligations. It will definetely give you a relief!
4. ๐๐ข๐ฏ๐ ๐๐จ๐ฎ๐ซ๐ฌ๐๐ฅ๐ ๐ ๐๐๐ฐ๐๐ซ๐ - It's your hard-earned money, and you deserve to enjoy it! Give yourself a gift, and invest in yourself by engaging in activities or seminars that promote self growth.
๐๐จ ๐ฌ๐จ๐ฆ๐๐ญ๐ก๐ข๐ง๐ ๐ญ๐ก๐๐ญ ๐ฒ๐จ๐ฎ๐ซ ๐๐ฎ๐ญ๐ฎ๐ซ๐ ๐ฌ๐๐ฅ๐ ๐ฐ๐ข๐ฅ๐ฅ ๐๐ ๐ญ๐ก๐๐ง๐ค๐๐ฎ๐ฅ ๐๐จ๐ซ. ๐๐ ๐ฒ๐จ๐ฎ ๐ก๐๐ฏ๐๐ง'๐ญ ๐ญ๐ก๐จ๐ฎ๐ ๐ก๐ญ ๐จ๐ ๐ฐ๐ก๐๐ซ๐ ๐๐ง๐ ๐ก๐จ๐ฐ ๐ญ๐จ ๐ฌ๐ฉ๐๐ง๐ ๐ฒ๐จ๐ฎ๐ซ ๐๐๐ญ๐ก-๐ฆ๐จ๐ง๐ญ๐ก ๐ฉ๐๐ฒ, ๐ญ๐ก๐ ๐๐๐จ๐ฏ๐ ๐ญ๐ข๐ฉ๐ฌ ๐๐จ๐ฎ๐ฅ๐ ๐๐ ๐๐จ๐ซ ๐๐๐.
๐๐๐ ๐ ๐ #๐ฝ๐ง๐๐๐๐ฉ๐พ๐๐ค๐๐๐. ๐พ๐๐ค๐ค๐จ๐ ๐ฉ๐๐ #๐ฝ๐ง๐๐๐๐ฉ๐๐๐ฎ๐จ.
Jealyn Malaluan Manalo
Licensed Sun Life Advisor