PRU LIFE UK - Licensed Financial Advisor - Carmelita Baluyot

28/06/2023

💵 Adulting & Finance 101

Sharing with you simple tips regarding fixing or adjusting your finances which worked for me, hopefully it works for you as well.

1. Use a tracker. May it be a notebook, excel sheet, or an app. The most important thing is you monitor it. Remember that what gets measured gets done.

2. Track your non-negotiables first (bills/electricity/etc.) Things that should not be missed being settled. Write down the due dates for each.

Second, track down the variables, the things you want to save for but are not something that needs to be settled for urgently (travel, personal, etc).

3. Do not just budget but forecast. Forecasting your expenses and divide them between your payroll dates or commission dates.

Example: If you receive your salary during the 15th/30th of the month and your usual bill is PHP 3,000, then set aside 1,500 during the 15th and another 1,500 during the 30th.

Using this method, it will spread out your finances and make sure that you allocate them properly, giving you an even spread of your salary versus bills, especially if most of your bills come during the end of the month.

Also prevents you from being short at the due dates. 🙂

4. Always remember the formula:
(income - savings - non-negotiables = expenses)

When you receive your income, set aside a fixed saving amount, then deduct your non negotiables, then deduct your variables if any, then whatever remains becomes your expenses for the coming weeks.

If you think, you're going to be short in the coming weeks then reduce your variables, not savings and definitely not expenses.

5. Discipline. It's hard at first but being broke is harder. Fix your expenses, if you cannot fix your expenses then fix your income. Look for a part-time or something to increase your income so you could allocate properly.

Fix the mindset and the habit will follow.

And yes, this is my accordion envelope. Medyo old school pero what works, works. 🤣

I hope this works for you as it helped me through the years. 🙂 I have more to share with you but hopefully this gives you a good start. Let me know your thoughts. 😊

28/06/2023

Hi mommies and daddies out there 👋🏻 Is your child still an infant or a toddler?

Take advantage of the fact that you still have 17-18 years to save and invest for your child’s college education 🤗

When the time comes, isn’t it fulfilling if we are able to support their dream course and university? ❤️

It's not bad to prepare early, let's talk about how we can plan for it.

If you want 𝙖 𝙛𝙧𝙚𝙚 𝙘𝙤𝙣𝙨𝙪𝙡𝙩𝙖𝙩𝙞𝙤𝙣 on how to protect and secure your child’s education and future, message me here. 💌

28/06/2023

28/06/2023

𝐖𝐇𝐀𝐓 𝐈𝐒 𝐘𝐎𝐔𝐑 𝐆𝐑𝐄𝐀𝐓𝐄𝐒𝐓 𝐀𝐒𝐒𝐄𝐓?

Your greatest asset is not your money nor your properties…and definitely not your businesses. Your greatest asset is YOU – your health and ability to earn a living for you and your loved ones. You should therefore protect your greatest asset with insurance👌🏻🫶🏻 Stay fit and healthy. And most importantly, GET FINANCIALLY PROTECTED. 😌

Talk to your trusted now. 👋🏻

Let me know if I can help. 📩

28/06/2023

WHY PRU is the company for Protecting you and your Family? 🤔

Pinakamalaking claims na nabibigay 😍

7 billion in just a quarter, well ahead of its competitors! This is our promise to you our dear clients 🤍

28/06/2023

𝐄𝐋𝐈𝐓𝐄 𝐒𝐔𝐏𝐑𝐄𝐌𝐀𝐂𝐘!

Baka natutulog lang pera mo sa bank, better place it sa mga portfolio na magbibigay ng advantage sa atin! You are insured, at the same time your money is growing. 💯

𝐄𝐋𝐈𝐓𝐄 𝐏𝐋𝐀𝐍: 𝐎𝐧𝐞 𝐨𝐟 𝐨𝐮𝐫 𝐁𝐞𝐬𝐭 𝐏𝐫𝐨𝐝𝐮𝐜𝐭𝐬 𝐚𝐧𝐝 𝐇𝐢𝐠𝐡𝐞𝐬𝐭 𝐅𝐮𝐧𝐝 𝐀𝐥𝐥𝐨𝐜𝐚𝐭𝐢𝐨𝐧 𝐢𝐧 𝐭𝐡𝐞 𝐌𝐚𝐫𝐤𝐞𝐭

Pru Life UK's Elite Plan has a short paying period with higher premium allocations that allow for faster accumulation.
This product can be used for future major purchase in cash while having a lifetime insurance of at least 1M.

Other uses:
✅ To purchase a house.
✅ Saving for a capital for business
✅ Build up of educational fund.
✅ Build up of retirement fund.

Message me for more details of the plan 📩

28/06/2023

As breadwinners, our duty to our family transcends our earthy hours. 🤍

Let’s make sure our family remains steadfast when the inevitable comes.

28/06/2023

7 B I L L I O N 👊
The Numbers that surely and strongly resonates 😍

26/06/2023

“If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance.” - Suze Orman

Think about it.

Talk to a trusted insurance agent to know how you can protect your income and your loved ones. ♥️

25/06/2023

INSURANCE IS FOR EVERYONE BUT NOT EVERYONE CAN HAVE IT. 💯

Whatever your profession is, don’t let it hinder you to secure a plan with Pru.

Message me now, and let me help you. 🤝

Start na natin policy mo, baka ito na sign na inaantay mo 😊

Tomorrow is never promised, it might be too late.

Message me for a sample quotation and FREE Discussion. 🤝

25/06/2023

Ito na ang pinakamagandang Expectation VS Reality 😱 Here is an Elite 5 plan that is 2yrs and 2 months old.
𝗘𝘅𝗽𝗲𝗰𝘁𝗲𝗱 𝗳𝘂𝗻𝗱 𝘃𝗮𝗹𝘂𝗲 𝗼𝗻 𝘁𝗵𝗲 𝟮𝗻𝗱 𝘆𝗿 - 𝟰𝟳𝟯𝗸
𝗔𝗖𝗧𝗨𝗔𝗟 𝗙𝗨𝗡𝗗 𝗩𝗔𝗟𝗨𝗘 - 𝟳𝟱𝟴𝗸‼️

✅ Kumita lang naman si client ng 285k ng walang ginagawa plus may millions pa siya sa insurance!!! WOW!!

𝗣𝗿𝘂 𝗟𝗶𝗳𝗲 𝗨𝗞'𝘀 𝗘𝗹𝗶𝘁𝗲 𝟱 has a short saving period of 𝟱 𝘆𝗲𝗮𝗿𝘀, with higher premium allocations on investment, which allows 𝗳𝗮𝘀𝘁𝗲𝗿 𝘄𝗲𝗮𝗹𝘁𝗵 𝗮𝗰𝗰𝘂𝗺𝘂𝗹𝗮𝘁𝗶𝗼𝗻. 💰

This product can be used to purchase a car in cash in 5* years, while having a lifetime insurance of at least 1M.
𝗢𝘁𝗵𝗲𝗿 𝘂𝘀𝗲𝘀:
💥To purchase a house
💥To save for business capital
💥To build your child’s educational fund
💥To build your retirement fund
💥Other plans after 5 years
⭕ * This product is also available in 7, 10, and 15 years.

*Expectation is the Projected Fund Value stated on the Quotation Proposal - not guaranteed, it may be higher or lower depending on the market status.

𝗧𝗵𝗶𝘀 𝗶𝘀 𝘁𝗵𝗲 𝗯𝗲𝘀𝘁 𝘁𝗶𝗺𝗲 𝘁𝗼 𝗶𝗻𝘃𝗲𝘀𝘁, 𝗱𝗼 𝗻𝗼𝘁 𝗱𝗲𝗹𝗮𝘆.
𝗕𝗲𝗰𝗮𝘂𝘀𝗲 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗼, 𝗬𝗢𝗨 𝗪𝗜𝗟𝗟 𝗥𝗘𝗚𝗥𝗘𝗧 𝗜𝗧.
𝗠𝗲𝘀𝘀𝗮𝗴𝗲 𝗺𝗲 𝗳𝗼𝗿 𝗱𝗲𝘁𝗮𝗶𝗹𝘀 📩