Mommy Chinita Vlogs

Mommy Chinita Vlogs Insurance, investment, health insurance benefit

Income - Savings = EXPENSE.Set aside savings first before spending the remaining expenses.
23/06/2025

Income - Savings = EXPENSE.

Set aside savings first before spending the remaining expenses.

23/06/2025

Sabi ni client hindi daw nya need ng insurance pag nagkasakit sya kasi may St.Peter na sya.
Mam pagamot po muna,
libing agad gusto?🫣😂

23/06/2025

The world can feel like a vast ocean, full of currents you can’t control. Insurance is the anchor that keeps you steady, ensuring even when the tide turns, your family, finances, and future won’t drift away. ⚓💙

If you are your children’s one and only, having life insurance is even more critical. It’s a financial safety net that c...
16/06/2025

If you are your children’s one and only, having life insurance is even more critical. It’s a financial safety net that can help alleviate some of the worries of the unknown.

YOU NEED LIFE INSURANCE IF ...🙌Life insurance is something we put off so often—until it’s too late.But the truth is, lif...
16/06/2025

YOU NEED LIFE INSURANCE IF ...

🙌Life insurance is something we put off so often—until it’s too late.
But the truth is, life insurance is not just for the rich or the elderly. It's for anyone who has someone depending on them. If you're wondering if you really need this, read this.

✅You have dependents
(May umaasa sa’yo financially)
If you have a wife, child, parents, or even siblings who depend on your income, you need life insurance.
In times of unexpected events, insurance will be the bridge to your loved ones’ lives on.

➡ “If you disappear tomorrow, what about them? ”

✅You have debts(May utang ka)
Most of us have house, car, or credit card bills.
❌❌You won't want to pass these debts to your family.
Life insurance can help pay off your debts so that it will not be burdened by the ones you left behind.

✅You're a breadwinner
(You are the main income in the family)
If you are the main source of income at home, imagine the financial hole your absence would leave. Life insurance is a way to make sure someone will catch your liability in case you lose yourself.

✅You want peace of mind
(You want to be confident)
We don't hold life. But we can be prepared. Life insurance gives you peace of mind, knowing that there is support ready for your family—whenever, whatever.

✅You’re planning for the future
(You are thinking about the future)
Life insurance is not just for death—it can also be a tool for savings, investment, or retirement. There are policies that come with cash value, dividends, or investment benefits that you can use for the rest of your life.

✅👩 ❤️ 👨Life insurance is an act of love and responsibility. You're not doing it for yourself—you're doing it for the people you love. ✨

Secure Yourself and Family TODAY !!!

Coach Chinito | JOEL ESPEJO CALIVO
Multi-awarded Financial Advisor
Sun Life of Canada Philippines Inc.
[email protected]


THE MOST COMMON REASON WHY FILIPINO'S DON'T HAVE SAVINGS...We love to talk about costs.“Reward yourself!”“YOLO!”“Deserve...
16/06/2025

THE MOST COMMON REASON WHY FILIPINO'S DON'T HAVE SAVINGS...

We love to talk about costs.

“Reward yourself!”
“YOLO!”
“Deserve mo ‘yan!”

But this is what is not often talked about:
If you don't know how to save, you will be broke forever.

And it's not just about being stingy—
It's all about discipline and priorities.

Here’s why maraming Pinoy ang hirap magka-ipon:

1. ) Luxury is prioritized over necessity
Latest phone? Check.
Daily milk tea? Check.
Online Shopping? Check
But emergency fund? Still nothing.

2. ) Just got my salary, it's already gone
Because he doesn't know how to budget.
If money comes, it's automatic spending.

3. ) Embarrassed to refuse to go or contribute
Terrified of having FOMO.
The wallet, always on-the-go in decline.

4. ) Don't want to be called "stingy" so can't refuse the expenses.
Many Filipinos are allergic to the word "stingy." ”
That's why even though he doesn't want to, he still wants to contribute, buy, and have it delivered.
"It's embarrassing," or maybe "I'm selfish." ”
But what some people don't know—being money wise is not selfish.

5. ) There is no clear financial goal.
Without goals, there is no direction.
It's like a trip without a map—it's just where the expense takes you.

6. ) I thought work has forever.
That's why it's okay with the expenses.
But what if you suddenly lose your income?

7. ) Putting other people first before yourself.
Don't always be a martyr.
If you're not okay financially, how will you help long-term?

8. ) No financial education.
No one taught you how to budget, invest, or save.
That's why short-term happiness is prioritized over long-term security.

Real Talk:
If you want to save money, you have to change your mindset.
It's not about the size of the salary—it's how well you handle money.

👉 Learn to be wise, not to be foolish.
👉 Prioritize the future over temporary happiness.

Because if not now then when?

📚 Financial Literacy = Life Literacy 💸 Learning how money works is like learning how to drive your future.💪 You avoid sc...
16/06/2025

📚 Financial Literacy = Life Literacy 💸

Learning how money works is like learning how to drive your future.

💪 You avoid scams.
🏡 You build wealth.
📈 You make informed money moves.
❤️ You reduce stress and protect your family.

Be financially wise. Your future self will thank you.

Coach Chinito | JOEL ESPEJO CALIVO
Multi-awarded Financial Advisor
Macaulay Club Member 2024- Gold
Sun Life of Canada Philippines Inc.
[email protected]

Sun Life! 🌞💛
16/06/2025

Sun Life! 🌞💛

Happy Monday!! 💛Sharing these few Tips on how we can effectively manage our Salaries.- 50% - Addressing our Needs such a...
09/06/2025

Happy Monday!! 💛

Sharing these few Tips on how we can effectively manage our Salaries.

- 50% - Addressing our Needs such as food, gas, rent, family support, utilities, etc.

-30% - This is for the things and experiences that keep us Fueled and motivated. Save up for that Out of the country Travel, build that PC gaming rig, get that limited Jordans, or simply enjoy that Samgyup or milktea

- 20% Make sure to always set aside something for your future. As the saying goes, “Money speaks of only one language, If you save me Now, I will save you in the future”.

Do something today that your Future self will thank you for.

Happy Long Weekend Folks. Stay Safe everyone. 😊☝🏼🙏🏻

Coach Chinito | JOEL ESPEJO CALIVO
Multi-awarded Financial Advisor
Sun Life of Canada Philippines Inc.
[email protected]


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