Diary Ng Pera

Job Description: Mangamang kada balay 🤔🙄

Don't listen to your friends who say that Healthcare, Insurance, Saving & Investing are all additional expenses. These are the same people who will not pay for your medical bills and help raise your children once you die. Be careful who you listen to. 🎯

"LEARN TO SAY NO MANY TIMES OVER"

This guy opened a store and all his friends, family and neighbors bought there and asked for credit.
Few years later, this is all that's left. Sometimes we say yes when we should have said no.

You say yes thinking you're helping people but actually you're losing and giving your hard work and sacrifice, then everyone turns their back on you. Don't Always Say Yes...

Invest in your business and save, be smart, don't let everything be lost.

Para hindi tayo kumayod nang kumayod...hanggang tayo'y uugod-ugod...

Ito ang 3 SIMPLE STEPS to FINANCIAL FREEDOM (or Early Retirement):

1) EARN MORE than you spend

2) INVEST that difference into ASSETS that bring in income, then...

3) GROW those Assets UNTIL they bring in ENOUGH Monthly Income (PASSIVE INCOME) that will cover your monthly expenses

Ulitin natin.

1) KUMITA nang mas MALAKI kaysa sa ginagastos,

2) i-INVEST ang sobra sa mga ASSETS na nagpapasok ng pera sa ating bulsa, at

3) PALAKIHIN (at PADAMIHIN) ang mga ASSETS hangga't sapat (o sobra) na ang iyong monthly PASSIVE INCOME.

Kaya nating marating ang Financial Freedom before 50 kapag nagsimula tayo nang maaga.

Without Passive Income, we can never be totally free.

EMERGENCY!!

Isang bagay na ayaw nating mangyari pero kailangan nating paghandaan.

Always be prepared for the 3 IFs of life.

1. What if I die too soon?
- Ayaw nating mawala ng maaga pero hindi natin alam kung kailan tayo kukunin ni Lord. If you are a bread winner at ikaw lang ang inaasahan ng pamilya para magprovide para sa kanila kailangan prepared ka. Kailangan may INSURANCE. Not only bread winners, pero lahat. Lalo na kung mahal mo ang iyong pamilya. Ito kasi ang iiwan mo para sa kanila.

2. What if you live too long?
- Yes! Ito ang gusto nating lahat. Ang tanong, kung sakaling mabuhay tayo ng matagal, may magagamit ba tayong pang gastos? Dito naman pumapasok ang kahalagahan ng INVESTMENT. We need to invest para pagdating ng retirement may panggastos tayo at di tayo aasa sa iba.

3. What if you get sick?
- Paano kung magkasakit? May nakalaan ba tayong pampagamot? Kailangan din maglaan para sa HEALTHCARE. We need to set aside some of our income/salary para kung sakali man may emergency, mayroon tayong mahuhugot.

Lahat ng ito sinasagot ng Kaiser Long-term Healthcare. Ito rin ang aming nirerecommend as our level 1 investment dahil sinasagot na nito lahat ng what IFs natin sa buhay.

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Hindi raw sapat ang P500/day na sustento ng Tatay. 😓🤔

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