matalinong pag budget - edited
TRANSCRIPT
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Matalinong Pag-BudgetPara sa Pamilya
by: Cromwell De la Paz RFP
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Cromwell De la Paz
• Registered Financial Planner Institute Philippines 2010 - Present
• HSBC Global Banking & Markets Associate for Foreign Exchange & Money Markets 2012- Present
• Insular Life Financial Adviser 2013 - Present
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Ano ang paguusapan natin?
1.Basic Budgeting of Family Finances
2.Family Financial Security
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Ano ang Objectives natin?
• Makagawa ng ating personal na budget
• Deeper appreciation of personal finance
• Ma-apply natin ang mga matutunan natin
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Bakit ito importante?1. To maintain a stable financial
household
2. To prevent financial crisis
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READY?
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Financially stable ka kung:
Needs Wants
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FOOD
Basic Needs
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WATER
Basic Needs
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SHELTER
Basic Needs
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CLOTHING
Basic Needs
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13TRANSPORTATION
Basic Needs
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Financially stable ka kung:
Needs Wants
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MOVIES
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DINING OUT
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DINING OUT
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INOM / GIMIK
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GADGETS
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PERO DI PA TAPOS…
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SAVINGS
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EDUCATION
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MEDICAL
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26DENTAL
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RETIREMENT
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DEATH
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PAANO GUMAWA NG BUDGET?
Step 1: Organize all financial informationFor the past 6 months
• Bank statements, checkbook register • Monthly bills (credit card, electricity,
phone)• Average Monthly Income & • Supplemental Income
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PAANO GUMAWA NG BUDGET?
Step 2.1: Isulat lahat ng monthly expenses / gastos for BASIC NEEDS
Step 2.2: Isulat lahat ng expenses for WANTS
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TANDAAN ANG MGA CATEGORIES
Needs Wants
Fixed Variable
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FIXED• Rent / mortgage payments • Car payments • Insurance (car, homeowner's) • Home & car maintenance
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FIXED• Utilities (water, electric, gas, phone,
cable, internet) • Credit Card Payments • Real estate & property taxes • Day care / kid's expenses
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VARIABLE• Clothing• Personal hygiene (haircuts,
toiletries) • Groceries
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VARIABLE• Entertainment • Movies• Restaurant eating • Vacations • Birthdays• Holidays
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Basic Budgeting of Family FinancesCREATE A BUDGET
Step 3: Find out your monthly balance
Monthly Income
– Monthly expenses
MONTHLY BALANCE
• NEGATIVE = Mas mataas ang
gastos kaysa sa kita• ZERO = Sakto lang• POSITIVE = Nasa tamang daan ka
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Basic Budgeting of Family FinancesCREATE A BUDGET
Step 4: Review your expenses
• Anong yung pwedeng bawasan?
• Ano yung mga hindi naman
kailangan?
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Basic Budgeting of Family FinancesCREATE A BUDGET
Step 5: Follow your budget
• The objective is to match your
family's spending to your current
income.
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Basic Budgeting of Family FinancesCREATE A BUDGET
Step 5: Follow your budget hanggang maging HABIT na ito.
• Keep track of your budget and
Expenses in a Notebook or
Computer• Make adjustments as needed
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PAANO MAGIGING HABIT?
• Isulat at i-review ang iyong mga gastos sa isang specific na Notebook o Computer Worksheet
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Wag maglagay ng kung ano ano sa notebook na ito.
Iusulat lang dito ang perang pumapasok at lumalabas buwan buwan
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Computer Worksheet
Perang pumapasok at lumalabas buwan buwan
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Make adjustments as needed
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In your computer go to
http://tinyurl.com/lg4p9wb
File name:
Personal Income & Expenses Statement
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TIPID TIPSBasic: Magtipid
Level Up: Invest in
Insurance• Protection during
emergencies
Kumausap ng
Professional na
Financial adivser
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TIPID TIPSBasic: Magkaron ng alkansya
Level Up: Mag set ng specific na amount araw-araw
Ex.
P15 / day = P5,475 by end of year
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TIPID TIPSBasic: Magtabi para sa gastusing bahay
Level Up: Magtabi para sa sarili
Ex.
Open a savings account.
Magtabi ng specific na portion ng income or % buwan buwan
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TIPID TIPSBasic: Open a savings account.
Level Up: Mag-invest
Ex.
Life Insurance na mayroong investment, medical & death benefit
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TIPID TIPSGrocery tips:
• Wag mag grocery ng GUTOM!
• Dapat may listahan
• Gumamit ng mga discount coupon
• Wag isama ang mga bata
• Pag nagpumilit set a limit
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TIPID TIPSShopping tips:• Use cash as
much as possible• Use rewards
cards
Ex
Mercury Suki Card
SM Advantage
Laking National
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TIPID TIPSOther tips:• Dillute dishwashing
liquid• Gumamit ng
landline kaysa sa cellphone
• On texting:• Say everything
you need to say in one message
• Unplug appliances when not in use
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TIPID TIPSOther tips:• Garage Sale: Ibenta
ang mga bagay na hindi na ginagamit
• Magbaon kaysa sa kumain sa labas
• Turuan ang mga bata magtipid
• Invest in knowledge
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FINANCIAL SECURITY
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PROTECTION FROM
Unforeseen Scenarios
Emergencies
Inflation
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INFLATION
• Inflation is defined as a sustained increase in the general level of prices for goods and services. It is measured as an annual percentage increase.
• As inflation rises, every PESO you own buys a smaller percentage of a good or service.
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GOODS & SERVICES
1994 2011 Increase over 17 years
Average increase per year
MINIMUM FARE
Php 2.50
Php 7.50 300% 7%
PREMIUM GASOLINE
Php 14.00
P55.00 392% 8.50%
COCA COLA 12oz
Php 4.00
Php 12.00 300% 7%
Average inflation rate from 1991 to 210 is 6.82%Source: BSP
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COLLEGE / UNIVERSITYMinimum
Tuition Fee per Term
Term2013-2014
Annual Tuition Fee
2014-2015 Annual
Tuition Fee
Average Increase
14%
DLSU De La Salle University Manila 59,000 Trimester 177,000 217,500 23%
FEU Far Eastern University 37,000 Semester 74,000 86,000 16%
Mapua Institute of Technology 23,000 Quarter 92,000 138,000 50%
PSBA Philippine School of Business Administration 25,000 Semester 50,000 54,000 8%
PUP Polytechnic Universtiy of the Philippines 2,000 Semester 3,500 3,500 0%
San Beda College 63,000 Semester 126,000 130,000 3%
San Sebastian College 34,000 Semester 68,000 82,000 21%
UA&P University of Asia and the Pacific 80,000 Semester 160,000 165,000 3%
UST University of Santo Tomas 40,000 Semester 80,000 90,000 13%
UE University of the East 33,000 Semester 66,000 72,000 9%
UP University of the Philippines, Diliman 25,000 Semester 50,000 50,000 0%
UP University of the Philippines, Manila 25,001 Semester 40,000 40,000 0%
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AdMU
DLSU
FEU
UA&P
UST
UP
0 50,000 100,000 150,000 200,000 250,000
Average Increase 14%
2014-2015 Annual Tuition Fee
2013-2014 Annual Tuition Fee
Minimum Tuition Fee per Term
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TUITION FEES
ATENEO
Minimum Tuition Fee per Term P80,000
Term: Semester
2013-2014 Annual Tuition Fee P160,000
2014-2015 Annual Tuition Fee P174,000
Average Increase 9%
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DIVERSIFY
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DIVERSIFY YOUR PORTFOLIO
Don’t put savings in just 1 form of
investment
Don’t put all your eggs in one basket• Mataas ang risk to lose it all• Limited ang ROI
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DIVERSIFY YOUR PORTFOLIO
Factors to consider• Age• Risk Tolerance• Purpose
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Consider your spouse
Are you both on the same page?• Seriously talk about your finances• What are his / her concerns?• Create a compromise• Get their commitment• Do it together• Help e/c other
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FINANCIAL SECURITY TIPS• Work with a Financial Planner /
Adviser
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Hire & Work with a Professional Fiancial Planner / Adviser
To help you • Create a financial plan• Get a Life Insurance Policy
that is tailor-fit to your
needs & goals
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Financial Plan & Life Insurance
Hindi po ito pang-patay
Ang purpose nito ay para
sa mga buhay at mahal
natin sa buhay
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MEDICAL EMERGENCYHOSPITALIZATION
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UNEXPECTED DEATH
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MITIGATE RISK
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SASALO SA INYOANG LIFE INSURANCE ANG…
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TUMULONG SA INYOANDITO KAMI PARA
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MAKAPAG TAPOS
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INCOME PROTECTION
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MAKAIPON PARA SA RETIREMENT
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MASAYA…
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COMFORTABLE NA BUHAY
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Work with a Fiancial Planner / Adviser
• Professional• Knowledgeable• Who listens• Who puts you 1st
• Who you like• Trustworthy
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Work with a Fiancial Planner / Adviser
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Work with a Fiancial Planner / Adviser
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