Savings& InvestingThrough the Cooperative

GOD WANTS US TO BECOME FINANCIALLY SUCCESSFUL. DO WE

HAVE THE SAME MINDSET?

Proverbs 29:18 (Amp), Hosea 4:6Where there is no vision the people

perish

People never plan to fail…People never plan to fail…

They simply fail to They simply fail to PLANPLAN....

NutriWealth’s FINANCIAL SOLUTIONS TODAY

Savings & Investing through Cooperative

1. MAKE MORE MONEY (MMM)2. SAVE MORE MONEY (SMM)3. GROW MORE MONEY (GMM)

FINANCIAL SOLUTION #1

1. Earn Additional Income Prov. 6:9-11 (Laziness,Slothfulness) Prov. 10:4, Prov. 21:252. Control Expenses John 6:12,Luke 15:13-143. Be DEBT FREE Proverbs 22:7, Prov. 28:8

MAKE MORE MONEY (MMM)How to Make More Money?

The way you manage your TIME & CASH FLOW can make you POOR or RICH!

Deuteronomy 8:18 (New Century Version)

18 but remember the LORD your God! It is he who gives you the power to become rich, keeping the agreement he promised to your ancestors, as it is today

Deuteronomy 8:18 (New International Version)

18 But remember the LORD your God, for it is he who gives you the ability to produce wealth, and so confirms his covenant, which he swore to your forefathers, as it is today.

There Are 2 Kinds Of Income:

1)Active Income: Income from your direct effort/job 1 Tim 6:17

- TEMPORARY INCOME

2)Passive Income: Income that keeps coming even if you stop working (Proverbs 13:22)

- PERMANENT INCOME

The AMOUNT OF your PASSIVE INCOME determines your

FINANCIAL SUCCESS or FAILURE!

INCOME - EXPENSES = SAVINGS

Prov. 21:20– Meralco – NAWASA – PLDT

– Smart – Globe – Sun

– SM – Robinsons – Ayala

– Mcdo – Jollibee – KFC – Starbucks

– Petron – Shell – Caltex

YOURSELFYOURSELF

Reduce/Control Expenses

INCOME

INCOME – SAVINGS = EXPENSESProv. 6:6-8

What if you can make money in small changes in your spending habits and start saving

P17/day (500/month)?

Proverbs 13:11

Can you cut down on the following?

Softdrinks, Coffee, Cable TV,Sweets, New Gadgets,Shopping, Driving a Big Car, Eating

Out, Partying, etch.

P17/day = P500/month =

2.9 million pesos in

35 years at 12%

SMALL CHANGES, BIG MONEY

Prov. 22:7; Prov. 28:81. Control your debt or

else your debt will control you

2. Consolidate debt

3. Strive to eliminate debt

DEBT MANAGEMENT

Nutriwealth’s Program to Make More Money

Earn 20-50% with our Projects

1. Start Saving NOW at any Level of Income Proverbs 13:11

2. Savings on Protection3. Create Emergency Fund

SAVE MORE MONEY (SMM)

The way you manage your TIME & CASH FLOW can make you POOR or RICH!

FINANCIAL SOLUTION #2

Genesis 41: 34 “Keep one-fifth of the harvests”

Genesis 41:34-36 (New Living Translation)

34 Then Pharaoh should appoint supervisors over the land and let them collect one-fifth of all the crops during the seven good years. 35 Have them gather all the food produced in the good years that are just ahead and bring it to Pharaoh’s storehouses. Store it away, and guard it so there will be food in the cities. 36 That way there will be enough to eat when the seven years of famine come to the land of Egypt. Otherwise this famine will destroy the land.”

Saving the Right Way

INCOME – SAVINGS = EXPENSESINCOME – TITHES –SAVINGS =

EXPENSES

Save at least 20% of what you are earning

Prov. 6:6-8

START SAVING NOW

  1,000 a month @ 12% 20,000 a month @ 12%

0 12,000 240,0001 25,440 508,8002 40,493 809,8563 57,352 1,147,0394 76,234 1,524,6835 97,382 1,947,64510 247,855 4,957,100 15 513,039 10,260,787 20 980,385 19,607,697 25 1,804,007 36,080,144 30 3,255,511 65,110,226 35 5,813,557 116,271,148 40 10,321,709 206,434,174 45 18,266,612 365,332,233 50 32,268,245 645,364,905 55 56,943,908 1,138,878,157 60 100,430,857 2,008,617,131 65 177,069,719 3,541,394,379 70 312,133,581 6,242,671,614 75 550,162,254 11,003,245,083 80 1,056,118,772 21,122,375,440

Bring the Tradition to your family –Generation to

Generation Investment

The seed you start

(P1,000/month) will create great fortune to your

generation!Who will put an end to poverty

to your generation?

What if you die too soon? ... Who will take care of your family?

Solution:

INCOME PROTECTION! To have peace of mind, provide

proper protection for your family while building up wealth/passive income.

ENSURE PROPER PROTECTION

CREATE EMERGENCY FUND

Save at least 3 - 6 months’ incomePrepare for emergency expenses

Proverbs 10:22

“More than 90% of Filipino families have no savings for medical emergency

needs.”

1. Understand Assets vs. Liabilities

2. Don’t just work hard for Money,make Money work hard for you

3. Preserve Estate

GROW MORE MONEY (GMM)How to Grow More Money?

Ecclesiastes 11:1-2

FINANCIAL SOLUTION #3

What if you live long?

INVESTMENTS

BUILD LONG TERM ASSET ACCUMULATION

Who will take care of you?

Solution

ASSETS

P1.2MX 10%120T/yr

LIABILITIES

CarCell. phonesHouseJewelriesBagsShoes

Accumulate ASSETS, Not Accumulate ASSETS, Not LiabilitiesLiabilities

Know How Money Works!

• : Albert Einstein called the compound interest the 8th wonder of the world & mankind’s greatest invention because it is the mightiest force ever unleashed for the amassing of wealth.

The Rule of The Rule of 7272

30 YRS OLD 10,000

Know How Money Works!

The Power of Compounding Interest

THE RULE OF 72

72 ÷ % = # YRS

72 ÷ 1% = 72

+ 72

102 YRS OLD 20,000

ANNUAL INCOME = P120,000

P6M ÷ 120,000 = 50 YEARS!

Don’t just work hard for money.

Learn how to make money work for you.

Preserve Your Estate – Build a family legacy -Make sure your children inherit

your estate. Proverbs 13:22– Don’t let a lifetime of successful savings be devoured by

taxes.– Estate tax is a tax on the right of a deceased person to

transmit his estate to his lawful heirs and beneficiaries. It is not a tax on property.

– To the effect transfer of your estate to your children, they need to pay an estate tax equivalent to about 20% of the worth of your estate.

– Protect what you’ve built… A proper estate plan can take care of your children during your life & after your death.

Nutriwealth’s Program to Save More Money and Grow More Money.

“Focus on Leading with Passion and Vision”

FOR MORE INFORMATION REGARDING THE FINANCIAL MANAGEMENT LECTURES PLEASE CONTACT:

Mr. Jay C. Galang, RFPChairman/Founder, NutriWealth Cooperative

Registered Financial PlannerTrainer, Financial Solutions Today

Email: jaygalang@gmail.comWebsite: www.nutriwealthcooperative.com

www.jaygalang.comFacebook: Nutriwealth Cooperative

Mobile No.: 0919.3279960 0917.6341276Tel. No. 02.3760732 02.4637085

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