Raniel Bank Inc.

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16/04/2020

Financial Lessons Learned During this Pandemic:

(I just wanna share this, just in case someone has the same realizations or someone might really need this right now and please add if you have some important ones that I might have missed.) 😘

1. SALARY IS FINITE BUT EXPENSES ARE INFINITE. Start looking for side hustles and other means of income. Don’t just rely on your monthly salary. It won’t be enough especially if you don’t know how to do #2.) 😊

2. LEARN TO BUDGET. Budgeting is everything. It’s like telling your money where to go instead of thinking where it went. Make use of those envelop system or calendar method for finances. 🤔

3. EMERGENCY FUND IS A MUST. Enough for 6 months of your monthly expenses. This fund will definitely help you in times of crisis just like this. Pandemic or Zombie apocalypse is definitely an emergency! 😌

4. AUTOMATE WHAT YOU CAN. Take advantage of mobile banking. It really helps especially when you know you cant go out of the house. So go now and download those mobile banking apps.😉

5. BE DEBT FREE. If you can’t pay in cash, it means you cant’t afford it in the first place and let’s admit it, that monthly SOA is sometimes nerve wracking. Nothing beats peace of mind! 😰

6. AVOID BUYING THINGS YOU DON’T NEED. Don’t give in to sales and discounts. When you buy things you don’t need you will end up selling things that you have. Just like me now, selling my almost unused clothes. 🤫

7. LIST, LIST,LIST. Now is the the best time to start making lists. List down items before going to the supermarket to save both time and money. 🤗

8. LIVE BELOW YOUR MEANS. Pretending to be rich can make you poor. Don’t give in to peer pressure or temptations. You must act your wage. 🤣

9. MONEY IS NOT EVERYTHING but money can make you live comfortably. Yes, money can’t buy happiness but money can definitely buy things that can make you happy. 🤑

10. SAVE MONEY and MONEY WILL SAVE YOU. Don’t save what is left after spending instead set aside a certain amount every month and then spend what is left. (Salary-Savings=Expenses) 😌

Pwedi mo.itong ishare para marami tayong matulungan how to manage your manage

01/01/2020

Happy new year everyone🙂

Good health, Happy family, and prosperous year to all
WELCOME 2020

27/04/2017

BE A WINNER. MAKE SAVINGS A HABIT.

So how do you get started? Simple…just look at how your cash flows everyday. Each time you need to spend, ask yourself: “Is this expense really something that I need? Or is this something I can live without?” If you answer that you will not die without that expense, then set the item aside and save the money. As you are able to save more money, you can start investing in an option that will grow. Never ever consider One Peso as “nothing.” You can never reach One Million Pesos if you don’t start with One Peso.

22/07/2016

Gabay sa Buhay Pinansyal ay matutuklasan mo na madali magpayaman gamit ang 4 Ms:
• Magplano—Pag-aralan kung papaano makamit ang kasaganaan
• Magtipid—Gumawa ng stratehiya para makabuluhang paggamit ng pera
• Mag-ipon—Tuklasin ang pinaka-epektibong paraan ng pagsusubi
• Mamuhunan—Alamin ang iba’t-ibang abot-kaya at lehitimong investments para makapagpalago
Sa pag-sunod sa 4 Ms nang buo ang loob, desidido, may pagpupursigi at may disiplina, makakamit mo ang obligasyon mong yumaman!
By: Mr. Francisco J. Colayco,

15/03/2016

BE A GOOD MAN AND FAIR IN ALL PEOPLE

11/03/2016

Psalm 78:72

So he shepherded them according to the integrity of his heart, And guided them with his skillful hands

Address

Osmeña
Pitogo

Telephone

09463457381

Website

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