Healthy Penny

Healthy Penny Help clients achieve lifetime financial security and live healthier lives.

Kaya? Kayang kaya! Yes, our family doesn't eat out that often. We can  survive for a month without dining out/ take outs...
17/09/2022

Kaya? Kayang kaya!
Yes, our family doesn't eat out that often. We can survive for a month without dining out/ take outs.
We enjoyed home cooked meals.
If we will crave something, we will cook it.
It's cheaper and more satisfying.
We aren't fans of fancy coffee or expensive lattes.
We brew our own milk teas.
This is no easy feat because we don't have house help.
Yet, we don't deprive ourselves of good dining experience from time to time.

Having this kind of habit will not only give us healthier choices of food, it also helps us save a lot, specially nowadays where one good meal outside will cost you more than a thousand.

"๐—ง๐—ต๐—ฒ ๐—ฃ๐—ผ๐—ฐ๐—ธ๐—ฒ๐˜๐˜€ ๐—ง๐—ต๐—ฒ๐—ผ๐—ฟ๐˜†"If nagiipon ka let us say P5,000 monthly, try natin ilagay yan sa 2 pockets.. ๐—Ÿ๐—ฒ๐—ณ๐˜ ๐—ฝ๐—ผ๐—ฐ๐—ธ๐—ฒ๐˜ - 3,000 al...
18/08/2022

"๐—ง๐—ต๐—ฒ ๐—ฃ๐—ผ๐—ฐ๐—ธ๐—ฒ๐˜๐˜€ ๐—ง๐—ต๐—ฒ๐—ผ๐—ฟ๐˜†"

If nagiipon ka let us say P5,000 monthly, try natin ilagay yan sa 2 pockets..

๐—Ÿ๐—ฒ๐—ณ๐˜ ๐—ฝ๐—ผ๐—ฐ๐—ธ๐—ฒ๐˜ - 3,000 alloted for Savings, Emergency Fund, Short term saving goals.

๐—ฅ๐—ถ๐—ด๐—ต๐˜ ๐—ฝ๐—ผ๐—ฐ๐—ธ๐—ฒ๐˜ - 2,000 alloted for Life or Health Insurance, income protection critical illness benefit, hospital income benefit, investment benefit.

Imagine, if you only have one pocket na 5,000 monthly savings, kapag nagkasakit ka ubos ang 5,000 diba? Madalas Kulang pa..

Whereas if you have 2 pockets na pwdeng pag kunan.. at your P5,000 pwede ka kumuha either SAVINGS FUND mo or sa LIFE INSURANCE.

๐™‰๐™–๐™ฌ๐™–๐™ก๐™–๐™ฃ ๐™ ๐™– ๐™—๐™– ๐™ฃ๐™œ ๐™ฅ๐™š๐™ง๐™–? ๐™ƒ๐™„๐™‰๐˜ฟ๐™„

Hinati mo lang 5,000 mo, pero once na there will be an emergency, marami kang pagkukunan. Maximize your money. Your family and your future self will be protected when the unexpected time comes.

Thatโ€™s the value of financial literacy

Want to check a personal policy for you?
Send me a direct message. ๐Ÿ“ฉ

Fast Story. The one without drama.- 2017 client acquired Flexilink (insurance with investment). He is my first client.- ...
03/08/2022

Fast Story. The one without drama.
- 2017 client acquired Flexilink (insurance with investment). He is my first client.
- 2019 get another Sun Life Assure policy again (term plan). Around 600/month premium.
- August 5, 2021 client suffered a ๐—บ๐—ฎ๐—ท๐—ผ๐—ฟ ๐—ต๐—ฒ๐—ฎ๐—ฟ๐˜ ๐—ฎ๐˜๐˜๐—ฎ๐—ฐ๐—ธ and needed to undergo an emergency angioplasty. Fast forward, he was able to recover.
- October 14, 2021 - critical illness benefit for Sun Life Assure has been ๐—”๐—ฃ๐—ฃ๐—ฅ๐—ข๐—ฉ๐—˜๐——.
- October 20, 2021 - critical illness benefit for flexilink has been ๐—”๐—ฃ๐—ฃ๐—ฅ๐—ข๐—ฉ๐—˜๐——.
Total Critical Illness Benefit Claim: ??? Pm me. Ibubulong ko sayo๐Ÿคซ๐Ÿคญ
Do I need to explain why you need to get insurance?! Basic! Because of client's insurance, medical bills were paid, medication continued, and businesses were able to be built.
Just like that, it's over!
Message me if you have a question.

Disclaimer: with clientโ€™s permission to post photos
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Be ready to start your journey to prosperity. Let Sun Life Asset Management show you how! Join our webinar and learn the...
20/07/2022

Be ready to start your journey to prosperity. Let Sun Life Asset Management show you how!
Join our webinar and learn the basics of investing in mutual funds. Visit https://sunlife.co/MF101-Jul21 to register.
For more info, e-mail [email protected].

Money Talk Series: Master the Art of Retirement :-)Thank you to my friends in the travel industry for having me.It is tr...
19/07/2022

Money Talk Series: Master the Art of Retirement :-)
Thank you to my friends in the travel industry for having me.
It is truly an honor!!!

Let's claim victory this Q3 by being "One with Goal"๐Ÿ’›
19/07/2022

Let's claim victory this Q3 by being "One with Goal"๐Ÿ’›

Sunlife Apple Branch Team Building 2022๐ŸŽ
19/07/2022

Sunlife Apple Branch Team Building 2022๐ŸŽ

How To Spend Money When You Are In Your 20s โ€“ 40s? ๐Ÿค”I have a very simple structure to it. It is broken down into the 50/...
19/07/2022

How To Spend Money When You Are In Your 20s โ€“ 40s? ๐Ÿค”

I have a very simple structure to it. It is broken down into the 50/20/30 rule, which is:

๐Ÿ“ŒAT LEAST 20% - should go towards a Financial Foundation. This mean, life insurance, emergency funds, retirement fund, child savings accounts and any other form of UNTOUCHABLE long-term savings. This is because that money is for your future. It's your fallback money, money you never touch, till you reach of an age where you cannot work anymore, and this is the money that you fall back on.

๐Ÿ“ŒNO MORE THAN 50% - of your earnings should be going towards your BASIC NEEDS. These are your essential expenses which are your rent, utility bills, groceries, etc.

๐Ÿ“ŒTHE REMAINING 30% - is for the expenses you choose, to create comfort and enjoyment in your life.

Once you start living with this rule where you force yourself to spend the 80% you will reach a point in life where you believe you WILL NOT be able to spend any more of it. And that's when your saving ratio will increase.

Remember, a penny saved is a penny earned! โ˜€๏ธ

(c) Dr. Sanjay Tolani - Financial Advisor & Coach

Money Talk Webinar Series " How to Create A Pandemic Proof Financial Plan"Thank you so much Jades Cargo Services, Inc. f...
30/03/2022

Money Talk Webinar Series " How to Create A Pandemic Proof Financial Plan"

Thank you so much Jades Cargo Services, Inc. for having me as your resource speaker during your Annual Manager's Meeting. I am truly honored and happy.

Are you still paying off debt or just starting to build your savings? Donโ€™t worry. We have an affordable choice to start...
14/03/2022

Are you still paying off debt or just starting to build your savings? Donโ€™t worry. We have an affordable choice to start your financial plan.

Please feel free to leave a comment below or send me a message for details.

Are you working hard abroad to secure the future of your new baby? You can start as early as today to build your kidโ€™s c...
14/03/2022

Are you working hard abroad to secure the future of your new baby? You can start as early as today to build your kidโ€™s college education fund. With Shine Pinoy Abroad's insurance for OFW, you will have life insurance coverage, funds for future endeavors, and money to secure your kidโ€™s future.
Please feel free to leave a comment below or send me a message for details.

Do you worry about your parents who are taking care of your family back home? OFWs like you can give them additional pro...
14/03/2022

Do you worry about your parents who are taking care of your family back home? OFWs like you can give them additional protection. Your parent can have life insurance coverage and funds in case of critical illness.

Please feel free to leave a comment below or send me a message for details.

Address

Liloan
6002

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm

Telephone

+639173066855

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