Team B

Must have the CLEAREST PLAN 👍👍👍

Financially stable - stable source of income
Manageable debts to no debts
May emergency fund
Spending is not a problem

3 signs na maling property ang bibilhin mo.

Most of the time…
hindi ka nagkakamali dahil kulang ka sa sipag.
Nagkakamali ka because you missed the signs
right at the start.

Ito yung ibig kong sabihin…

A lot of properties look “okay.”
Pasok sa budget.
Maganda sa mata.

But not everything that fits your budget
is actually right for you.

There are clear warning signs
na madalas binabalewala.

1. Monthly payments lang ang kaya mong i-justify.

Kapag ang tanging reason mo is
“kaya ko naman ang monthly”…

but you don’t know the total cost,
you don’t understand the long-term effect on your cash flow,
and wala kang buffer…

you’re not really choosing a property yet.
You’re just choosing what feels light at the start.
Later on, magiging source of stress na siya.

2. You’re more excited about the idea than the reality.

Maganda pakinggan.
Magandang i-post.
Magandang ikwento.

But when someone asks you,
“how will this actually help your life after a few years?”…

wala kang clear answer.

And that’s where regret begins.

3. You’re hoping things will ‘just work out’ in the future.

Umaasa ka na tataas ang income.
Umaasa ka na gagaan ang buhay.
Umaasa ka na hindi ka tatamaan ng emergency.

But property doesn’t rely on hope.

Buwan-buwan ang singil.
Responsibility siya araw-araw.

Kaya tandaan mo ’to…

Not everything you can afford
is something you should enter.

In real estate, the right decision is not the fastest one.
It’s the clearest one.

✔️✔️✔️ Not about how much, but the habit—teaching our children the value of saving early.

First of all, we are posting this to inspire other parents to teach their kids at a young age and instill financial discipline. We may have a different perspective about this so please respect our post.

Small savings, big lessons...we want to raise kids who value every peso.

It's not bad if they will learn how to be responsible in handling money, buy on a budget and saving for the things they want, it's an act of love to let them be financially literate. In this modern world where almost everything is just a click away and you can receive the things you like in the front of your door steps (hassle free), it is unevitable to spend even when you don't need it.

Our eldest daughter, now 13 grew up to be very thrifty. She knows how to save for the things she likes and we are very proud of her that even some of the school things that she needs, she will not ask it from us. We ask her how she managed to do that.. she said that she is skipping recess since she only have short time in school and she prefer to make ipon her school allowances so she can buy more necessary things. She is also doing sidelines in our small business so that she can earn daily.

We are proud that she value every peso and bought a phone - on her own money. She told us that her next savings will be allocated for a bank account and her own insurance 🤣 (coz we told her the importance of having an insurance and the early you get it, the better coz its cheaper). She also said that she also wants to be a financial advisor, like her dad when she turns 18. We also bought piggy bank for our second daughter so she can save for what she wants (a box of koko crunch this time)...

Little hands, BIG saving lessons 🫰🫰🫰