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At 65, Will Working Be Your Choice or Your Necessity?Your future retirement starts with the financial decisions you make...
31/08/2026

At 65, Will Working Be Your Choice or Your Necessity?

Your future retirement starts with the financial decisions you make today. ๐Ÿ’ญ

You may not be able to control how long youโ€™ll be able to work, but you can prepare for the day when working is no longer your only option.

Start learning. Start planning. Start building the future you want. ๐Ÿ’ฐ

Join our FREE Financial Education Webinar and discover practical ways to prepare for your financial future.

๐Ÿ‘‰ Want the FREE webinar link? Comment โ€œWEBINARโ€ below and Iโ€™ll send it to you personally.

Donโ€™t wait until retirement to start preparing. Your future self will thank you. โค๏ธ

๐Ÿ‡ต๐Ÿ‡ญ Ngayong National Heroes Day, naisip ko langโ€ฆHindi naman lahat ng bayani natin nakikita sa libro.May mga nanay na kaya...
31/08/2026

๐Ÿ‡ต๐Ÿ‡ญ Ngayong National Heroes Day, naisip ko langโ€ฆ

Hindi naman lahat ng bayani natin nakikita sa libro.

May mga nanay na kayang pagkasyahin ang budget.
May mga tatay na kahit pagod, pumapasok pa rin.
May mga anak na nagsisikap para makatulong sa pamilya.

At minsan, ang pagiging bayani sa pamilya ay hindi naman kailangang bongga.

Kasama na rin dito ang pag-iipon.

Kahit maliit.
Kahit paunti-unti.
Kahit hindi agad nakikita ang resulta.

Dahil bawat perang hindi mo ginastos ngayon ay maaaring maging tulong sa'yo at sa pamilya mo sa panahon na kailangan ninyo ito.

โค๏ธ Happy National Heroes Day!

Ikaw, sino ang bayani sa buhay mo?
Ipag-malaki mo sila sa comment section!

29/08/2026

Sa panahon ngaun kapag may nag-message sa iyo na "kumusta?"

Ano kaya kasunod?

Tama nga naman๐Ÿ˜Š
29/08/2026

Tama nga naman๐Ÿ˜Š

Eto ang advice ko sa 20-year old na sarili ko๐—›๐—ถ๐—ป๐—ฑ๐—ถ ๐—บ๐—ผ ๐—ธ๐—ฎ๐—ถ๐—น๐—ฎ๐—ป๐—ด๐—ฎ๐—ป๐—ด ๐—บ๐—ฎ-๐—ณ๐—ถ๐—ด๐˜‚๐—ฟ๐—ฒ ๐—ผ๐˜‚๐˜ ๐—ฎ๐—ป๐—ด ๐—ฏ๐˜‚๐—ผ๐—ป๐—ด ๐—ฏ๐˜‚๐—ต๐—ฎ๐˜† ๐—บ๐—ผ ๐˜€๐—ฎ ๐—ฒ๐—ฑ๐—ฎ๐—ฑ ๐—ป๐—ฎ ๐Ÿฎ๐Ÿฌ. ๐—ž๐—ฎ๐—ถ๐—น๐—ฎ๐—ป๐—ด...
26/08/2026

Eto ang advice ko sa 20-year old na sarili ko

๐—›๐—ถ๐—ป๐—ฑ๐—ถ ๐—บ๐—ผ ๐—ธ๐—ฎ๐—ถ๐—น๐—ฎ๐—ป๐—ด๐—ฎ๐—ป๐—ด ๐—บ๐—ฎ-๐—ณ๐—ถ๐—ด๐˜‚๐—ฟ๐—ฒ ๐—ผ๐˜‚๐˜ ๐—ฎ๐—ป๐—ด ๐—ฏ๐˜‚๐—ผ๐—ป๐—ด ๐—ฏ๐˜‚๐—ต๐—ฎ๐˜† ๐—บ๐—ผ ๐˜€๐—ฎ ๐—ฒ๐—ฑ๐—ฎ๐—ฑ ๐—ป๐—ฎ ๐Ÿฎ๐Ÿฌ. ๐—ž๐—ฎ๐—ถ๐—น๐—ฎ๐—ป๐—ด๐—ฎ๐—ป ๐—บ๐—ผ ๐—น๐—ฎ๐—ป๐—ด ๐—บ๐—ฎ๐—ด๐˜€๐—ถ๐—บ๐˜‚๐—น๐—ฎ๐—ป๐—ด ๐—ด๐˜‚๐—บ๐—ฎ๐˜„๐—ฎ ๐—ป๐—ด ๐—บ๐—ฎ๐—ด๐—ฎ๐—ป๐—ฑ๐—ฎ๐—ป๐—ด ๐—ณ๐˜‚๐˜๐˜‚๐—ฟ๐—ฒ ๐—ฝ๐—ฎ๐—ฟ๐—ฎ ๐˜€๐—ฎ ๐˜€๐—ฎ๐—ฟ๐—ถ๐—น๐—ถ ๐—บ๐—ผ.

Ikaw, ano advice mo sa 20-year old na ikaw?

๐— ๐—œ๐—ก๐—ฆ๐—”๐—ก, ๐—”๐—ก๐—š ๐—ฃ๐—œ๐—ก๐—”๐—ž๐—”๐— ๐—”๐—š๐—”๐—ก๐——๐—”๐—ก๐—š ๐——๐—˜๐—ฆ๐—œ๐—ฆ๐—ฌ๐—ข๐—ก ๐—”๐—ฌ ๐—”๐—ก๐—š ๐—›๐—œ๐—ก๐——๐—œ ๐—ฃ๐—”๐—š๐—•๐—œ๐—Ÿ๐—œ.Hindi porke may pera ka, kailangan mo nang gastusin.Hindi pork...
25/08/2026

๐— ๐—œ๐—ก๐—ฆ๐—”๐—ก, ๐—”๐—ก๐—š ๐—ฃ๐—œ๐—ก๐—”๐—ž๐—”๐— ๐—”๐—š๐—”๐—ก๐——๐—”๐—ก๐—š ๐——๐—˜๐—ฆ๐—œ๐—ฆ๐—ฌ๐—ข๐—ก ๐—”๐—ฌ ๐—”๐—ก๐—š ๐—›๐—œ๐—ก๐——๐—œ ๐—ฃ๐—”๐—š๐—•๐—œ๐—Ÿ๐—œ.

Hindi porke may pera ka, kailangan mo nang gastusin.

Hindi porke sale, kailangan mo nang samantalahin.

At hindi porke gusto mo, ibig sabihin kailangan mo.

Minsan, ang tunay na financial discipline ay yung kaya mong sabihin:

๐—›๐—ถ๐—ป๐—ฑ๐—ถ ๐—บ๐˜‚๐—ป๐—ฎ.

Hindi dahil wala kang peraโ€”
kundi dahil may mas mahalagang paggagamitan ang pera mo.

Yung perang hindi mo ginastos sa bagay na hindi naman kailangan, puwedeng mapunta sa emergency fund mo, pambayad ng utang, investment, o sa isang future goal na mas mahalaga saโ€™yo.

Kaya bago mag-checkout, subukan mong itanong:

๐—ž๐—ฎ๐—ถ๐—น๐—ฎ๐—ป๐—ด๐—ฎ๐—ป ๐—ธ๐—ผ ๐—ฏ๐—ฎ ๐˜๐—ฎ๐—น๐—ฎ๐—ด๐—ฎ ๐—ถ๐˜๐—ผ, ๐—ผ ๐—ด๐˜‚๐˜€๐˜๐—ผ ๐—ธ๐—ผ ๐—น๐—ฎ๐—ป๐—ด ๐—ถ๐˜๐—ผ ๐—ป๐—ด๐—ฎ๐˜†๐—ผ๐—ป?

Dahil hindi lahat ng kaya mong bilhin, kailangan mong bilhin.

๐— ๐—ถ๐—ป๐˜€๐—ฎ๐—ป, ๐—ฎ๐—ป๐—ด ๐—ฝ๐—ถ๐—ป๐—ฎ๐—ธ๐—ฎ๐—บ๐—ฎ๐—ด๐—ฎ๐—ป๐—ฑ๐—ฎ๐—ป๐—ด ๐—ฝ๐˜‚๐—ฟ๐—ฐ๐—ต๐—ฎ๐˜€๐—ฒ ๐—ฑ๐—ฒ๐—ฐ๐—ถ๐˜€๐—ถ๐—ผ๐—ป ๐—ฎ๐˜† ๐—ฎ๐—ป๐—ด ๐—ฝ๐—ฎ๐—ด-๐˜‚๐˜„๐—ถ ๐—ป๐—ฎ๐—ป๐—ด ๐˜„๐—ฎ๐—น๐—ฎ๐—ป๐—ด ๐—ฏ๐—ถ๐—ป๐—ถ๐—น๐—ถ.๐Ÿ’š

๐—›๐—œ๐—ก๐——๐—œ ๐—Ÿ๐—”๐—›๐—”๐—ง ๐—ก๐—š ๐—จ๐—ง๐—”๐—ก๐—š ๐—”๐—ฌ ๐— ๐—”๐—ฆ๐—”๐— ๐—”.๐—›๐—œ๐—ก๐——๐—œ ๐—ฅ๐—œ๐—ก ๐—Ÿ๐—”๐—›๐—”๐—ง ๐—ก๐—š ๐—–๐—”๐—ฆ๐—› ๐—ฃ๐—”๐—ฌ๐— ๐—˜๐—ก๐—ง ๐—”๐—ฌ ๐— ๐—”๐—•๐—จ๐—ง๐—œ.Kapag may nagsabing โ€œUtang? Masama โ€˜yan!โ€ at โ€œC...
24/08/2026

๐—›๐—œ๐—ก๐——๐—œ ๐—Ÿ๐—”๐—›๐—”๐—ง ๐—ก๐—š ๐—จ๐—ง๐—”๐—ก๐—š ๐—”๐—ฌ ๐— ๐—”๐—ฆ๐—”๐— ๐—”.
๐—›๐—œ๐—ก๐——๐—œ ๐—ฅ๐—œ๐—ก ๐—Ÿ๐—”๐—›๐—”๐—ง ๐—ก๐—š ๐—–๐—”๐—ฆ๐—› ๐—ฃ๐—”๐—ฌ๐— ๐—˜๐—ก๐—ง ๐—”๐—ฌ ๐— ๐—”๐—•๐—จ๐—ง๐—œ.

Kapag may nagsabing โ€œUtang? Masama โ€˜yan!โ€ at โ€œCash? Mas okay โ€˜yan!โ€, parang simple lang ang usapan.

Pero sa totoong buhay, hindi ganoon kasimple.

May utang na ginagamit para sa isang bagay na may financial value at kayang bayaran nang maayos.

At may cash payment naman na kahit walang utang, puwedeng maging bad decisionโ€”lalo na kung binayaran mo ang isang bagay na hindi naman kailangan at kapalit nito ay naubos ang emergency fund mo.

Kaya hindi dapat โ€œ๐˜‚๐˜๐—ฎ๐—ป๐—ด ๐˜ƒ๐˜€. ๐—ฐ๐—ฎ๐˜€๐—ตโ€ ang tanong.

Mas magandang itanong:

โ€œ๐—ง๐—ฎ๐—บ๐—ฎ ๐—ฏ๐—ฎ ๐—ฎ๐—ป๐—ด ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—ฑ๐—ฒ๐—ฐ๐—ถ๐˜€๐—ถ๐—ผ๐—ป ๐—ธ๐—ผ?โ€

Bago ka mangutang, tanungin:

* Kailangan ba talaga ito?
* Kaya ko ba ang monthly payment?
* May magandang purpose ba ang utang?

At bago mag-cash:

* Pagkatapos kong bayaran ito, may emergency fund pa ba ako?
* Kailangan ko ba talaga ito?
* May mas magandang paggamit ba sa perang hawak ko?

๐—›๐—ถ๐—ป๐—ฑ๐—ถ ๐—ฝ๐—ฎ๐—ฟ๐—ฎ๐—ฎ๐—ป ๐—ป๐—ด ๐—ฝ๐—ฎ๐—ด๐—ฏ๐—ฎ๐—ฏ๐—ฎ๐˜†๐—ฎ๐—ฑ ๐—ฎ๐—ป๐—ด ๐˜€๐˜‚๐—ธ๐—ฎ๐˜๐—ฎ๐—ป ๐—ป๐—ด ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐˜„๐—ถ๐˜€๐—ฑ๐—ผ๐—บโ€”๐—ธ๐˜‚๐—ป๐—ฑ๐—ถ ๐—ฎ๐—ป๐—ด ๐—ฑ๐—ฒ๐˜€๐—ถ๐˜€๐˜†๐—ผ๐—ป ๐˜€๐—ฎ ๐—น๐—ถ๐—ธ๐—ผ๐—ฑ ๐—ป๐—ถ๐˜๐—ผ.

๐—œ๐—ธ๐—ฎ๐˜„, ๐—ธ๐˜‚๐—ป๐—ด ๐—บ๐—ฎ๐˜† ๐—บ๐—ฎ๐—น๐—ฎ๐—ธ๐—ถ๐—ป๐—ด ๐—ฝ๐˜‚๐—ฟ๐—ฐ๐—ต๐—ฎ๐˜€๐—ฒ: ๐—–๐—”๐—ฆ๐—› ๐—ผ ๐—จ๐—ง๐—”๐—ก๐—š? ๐—”๐˜ ๐—ฏ๐—ฎ๐—ธ๐—ถ๐˜?

Trabaho โ†’ Sahod โ†’ Gastos โ†’ Bills/Debt โ†’ Stress โ†’ Trabaho ulit.Paulit-ulit ang cycle kapag ang buong sahod ay nauubos par...
22/08/2026

Trabaho โ†’ Sahod โ†’ Gastos โ†’ Bills/Debt โ†’ Stress โ†’ Trabaho ulit.

Paulit-ulit ang cycle kapag ang buong sahod ay nauubos para lang mabuhay.

๐Ÿ’ก Ang goal natin ay hindi lang kumita ng mas malaki, kundi matutong mag-ipon, mag-invest at maghanda para sa future.

Huwag nating hayaang ang buhay natin ay puro survival mode.

Break the cycle. Build your future. ๐Ÿ’ฐ

Parang totoo na yata to..Mabisa wari ko talaga๐Ÿค”๐Ÿค”
21/08/2026

Parang totoo na yata to..Mabisa wari ko talaga๐Ÿค”๐Ÿค”

20/08/2026

๐™Ž๐˜ผ๐˜ผ๐™‰ ๐˜ผ๐˜ผ๐˜ฝ๐™Š๐™ ๐˜ผ๐™‰๐™‚ โ‚ฑ6,000 ๐™‹๐™€๐™Ž๐™Š๐™Ž ๐™ˆ๐™Š?

What if you can make your money work for your future? ๐Ÿ’ฐโค๏ธ

IMG is a blessing to all Filipino families.

Be part of IMGโ€”the community of Savers, Investors & Entrepreneurs.

โ€ข Save & Invest
โ€ข Financial Education
โ€ข Protection & Healthcare
โ€ข Investment Opportunities
โ€ข Member Benefits

๐Ÿ‘‰ Learn more:
https://94064ph.imgcorp.com/

๐Ÿ‘‰ IMG Member Benefits:
https://94064ph.imgcorp.com/linkbio/

Interested? Comment โ€œLEARNโ€ below! ๐Ÿ‘‡โค๏ธ

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