My Personal Financial Plan Diary 2013

My Personal Financial Plan Diary 2013
This is how you do it.

This personal financial plan will help you go through the year in abundance, financial freedom and practical investment knowledge. Happy millions!
MoneyLifeBlood. Blogspot.com Peraholic.com InvestingInPhilippines. com krissy@peraholic.com +639103604053
Take a scoop of abundance.
My Personal Financial Plan Diary 2013 MoneyLifeBlood.blogspot.com InvestinginPhilippines.com Peraholic.com
I believe that investing should not be a "nosebleeding" activity.
I believe that every Filipino should engage in a rewarding personal finance life. I believe that investing and saving money should be fun, cool, happy, easy! It should be consistently done - not imposed but out of personal desire to live an abundant, rich life!
Gear up! Reasons why you are holding this diary..

Contents:
Monthly Money Tips Practical and easy steps Inspiring Quotes HOT! Quiz and Checklists! HOT! 2013 Money Challenge HOT! Monthly Balanced Life Grid Official Philippine Holidays 2013
4

How to Use this Diary
Savings Credit Cards
The purpose of this diary is to help you hit the balance between savings/investment and expenses. Every month is going to be a challenge. That is why every month, you need to fill in the following:
Monthly Savings Goal: Input here your Savings Goal. Monthly Investment Goal: Input here your Investment Goal. Action Items: Indicate here the action items. Roadblocks: Indicate here your scheduled expenses, bills, occasions such as birthdays. 5. Points for Improvement: Indicate here any improvement you want to do for the next month, such as lower fare expenses, fewer dine-outs, etc 6. Prize: Indicate here your simple reward for achieving your savings and investment goal, and for exerting the best possible effort to make it. 1. 2. 3. 4.
Be inspired by balloon quotes. Check out monthly money tips!

5

Quarterly Waves of Investment
1st Wave of Investment January - March 2nd Wave of Investment April - June
My Personal Financial Plan 2013
3rd Wave of Investment July - September
4th Wave of Investment October - December
Every quarter, you will be answering a short quiz consisting of 5 easy questions to learn how you stand with your personal finance life. I call every quarter wave of investment because every period is an opportunity to save and invest.

My goal is to shift from being a low risk investor to a medium risk investor in 2013.
Low
Savings Checking Time Deposits Bonds
Medium
Mutual Funds UITFs Insurances*
High
Stocks Real Estate Forex Commodities
Investment Shifts
Categorized above are investments according to risk. Take time to categorize your current investments and identify what kind of investor you are today and what kind of investor you want to be in 2013. This diagram will help you recognize where you want to shift your money, that is shifting your investor profile as well. You can stay as is if you want to, and you can move from one trapezoid to another. Qualify also by age: Low (40s and up) Medium (30s-40s) High (20s-30s) Choice is yours to make.
* Insurances I place in medium since though guaranteed by insurance provider, we will not be sure if the provider will not default. At this time insurance companies are now being regulated.
Objective Setting
I want you to list down 3 objectives this year. You can add more as you go on. But for now, list down 3 big dreams for your personal financial life this year. If in the middle of the year you are done with the 3 big dreams, congratulations! Why not set one (1) more special objective to boot. Good luck! Example: Ill attend a personal finance seminar by end of 2013. As a reward, Ill treat myself for a relaxing spa and massage.
8

Monetize the Objectives
Fill up your net worth as of December 2012:
Assets
Savings ______ Time Deposits ______ Mutual Funds ______ Stocks ______
Liabilities
Credit Card __________
Mortgage ___________ Company Loan ___________ Loan from relatives
___________
Others ___________
Others ______
Sum (Assets) Sum (Liabilities) = Net Worth Net Worth as of 2012 = Php ___________ Work on how you can delete the boxes under the Liabilities section and increase the chunk in the Assets section. Start now!
9

Balanced Life Grid
Strike the balance by planning your life activities using the grid.
Read a self-help book Daily silent reflections
Spiritual
Physical
Check my diet! Achieve an 8-hr sleep time
Family
Weekly dine-outs Early morning greeting
Study/Work
On time at the office Bring my planner everyday
Financial
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Check the paycheck online Pay the bills (utilities, credit cards, etc).

You are now about to start your journey towards attaining your personal financial goals this 2013.. First stop: your monthly investment plan. Jumble up the suggested themes and assign to whatever month you want to fulfill it. Cut them, make a dream board, and DO it. Make sure you are able to go through them for the entire year. Youll surely thank me for doing so. Now brace yourself.. Are you ready to take the 2013 Money Challenge? Do not be overwhelmed.. Take it easy. Saving and investing is fun. Enjoy!
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My Monthly Investment Plan
2013 Money Challenge

JAN
My money theme of the month: Cash and Emergency Open an emergency fund which I'll beef up until I reach worth 6 months worth of my salary.
FEB
MAR APR MAY JUN JUL AUG
My money theme of the month: Health Care Open a special savings account which I'll beef up until I reach a health care fund worth Php_____.
My money theme of the month: Mutual Fund Open a mutual fund depending on my risk appetite: Bond Fund, Balanced Fund, Equity Fund.
My money theme of the month: Stocks Open an online stock trading account with a minimum start-up balance of Php5,000.
My money theme of the month: Insurance Shop among different insurance providers and select which one is best for me.
My money theme of the month: Business Save up start-up capital for my dream business.
My money theme of the month: Advocacy. Visit an orphanage. Tithe to church. Donate to charity. This month is about me and my advocacy.
My money theme of the monthl: Top up in the Ghost Month It's the dreaded ghost month! Best time to add funds to mutual funds and stocks. Me should be wise!
SEP
OCT NOV DEC
My money theme of the month: My Play Fund! Open an account devoted to vacations, gadgets, and dream must-haves. I treat myself with a reward.
My money theme of the month: Budget and Expenses What makes my money go down the drain? Time to cut credit cards, tighten belts, limit spending?
My money theme of the month: Learning Read a personal finance book. Attend seminars. Get into investing groups in Facebook. Ask around!
My money theme of the month: Relax and review. Take a step back to your monthly money plans. Mistakes and lessons? Takeaways? Merry Christmas!
12
Monthly Money Diary ..and a Happy, Balanced Life it is..
13
Important Dates & Reminders
14

January 2013: Balanced Life!
Spiritual
________________________________ ________________________________
Physical
________________________________ ________________________________
Family
________________________________ ________________________________
Study/Work
________________________________ ________________________________
Financial
________________________________ ________________________________
15

January 2013
Monthly Savings Goal: ___________ Monthly Investment Goal: __________ Action Items: 1. 2. 3. Roadblocks: 1. 2. 3. Points for Improvement: 1. 2. 3. Prize: ________________ Many of lifes failures are people who did not realize how close they were to success when they gave up. Thomas Edison
Personal Finance Tip of the Month: Howdy, 2013! Its time to look at your savings: You can either: save more to beef up an emergency fund, reinvest to a mutual fund, or move to time deposits. Time to act!
16
17

February 2013: Balanced Life!
Spiritual
________________________________ ________________________________
Physical
________________________________ ________________________________
Family
________________________________ ________________________________
Study/Work
________________________________ ________________________________
Financial
________________________________ ________________________________
18

February 2013
Monthly Savings Goal: ___________ Monthly Investment Goal: __________ Action Items: 1. 2. 3. Roadblocks: 1. 2. 3. Points for Improvement: 1. 2. 3. Prize: ________________ The most important opinion you have is the one you have for yourself. And the most important conversation youll have is the one youll have with yourself. Zig Ziglar
Personal Finance Tip of the Month: Love Month! Or money wreck?! Make sure youve got the funds for the special occasions. Why not try a separate miscellaneous savings fund? Mine is called Play, Fun, Vacation Fund. Whats yours?
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20

March 2013: Balanced Life!
Spiritual
________________________________ ________________________________
Physical
________________________________ ________________________________
Family
________________________________ ________________________________
Study/Work
________________________________ ________________________________
Financial
________________________________ ________________________________
21

March 2013
Monthly Savings Goal: ___________ Monthly Investment Goal: __________ Action Items: 1. 2. 3. Roadblocks: 1. 2. 3. Points for Improvement: 1. 2. 3. Prize: ________________ You must be good in either two things: Planting in the spring or begging in the fall. Jim Rohn
Personal Finance Tip of the Month: Socialize your personal finance life! Mingle with likeminded people in PinoyMoneyTalk, FinanceManila, PinoyExchange, StockMarketPilipinas, TGFI Facebook Group and many more! Why not join the Peraholic.com Forum and ask me questions!
22

Take the Financial Status Check-up Quiz! 1 Wave of Investment
(January March 2013) o Is your debt level now less than 30% of your net salary? If yes, check! o Have you read one (1) or more personal finance book this quarter? If yes, check! o Is your emergency fund now 6 months worth of your gross monthly salary? If yes, check! o Were you able to open a mutual fund / stocks account this quarter? If yes, check! o Are you now saving on ATM service charges lately? If yes, check! For 5 checks, congratulations! Youve succeeded your 1st wave of investment experience in 2013!
st
23
24

April 2013: Balanced Life!
Spiritual
________________________________ ________________________________
Physical
________________________________ ________________________________
Family
________________________________ ________________________________
Study/Work
________________________________ ________________________________
Financial
________________________________ ________________________________
25

April 2013
Monthly Savings Goal: ___________ Monthly Investment Goal: __________ Action Items: 1. 2. 3. Roadblocks: 1. 2. 3. Points for Improvement: 1. 2. 3. Prize: ________________ Then the Lord your God will make you most prosperous in all the work of your hands Deuteronomy 30:9
Personal Finance Tip of the Month: If one day the company health card is gone, what will you do? Why not save up some moolah for health care expenses in the future. Based on my experience, when it comes to expenses like this, credit cards will help. But cash is king. Think about it.
26
27

May 2013: Balanced Life!
Spiritual
________________________________ ________________________________
Physical
________________________________ ________________________________
Family
________________________________ ________________________________
Study/Work
________________________________ ________________________________
Financial
________________________________ ________________________________
28

May 2013
Monthly Savings Goal: ___________ Monthly Investment Goal: __________ Action Items: 1. 2. 3. Roadblocks: 1. 2. 3. Points for Improvement: 1. 2. 3. Prize: ________________ God doesnt mind you having money, but He minds money having you. T.D. Jakes
Personal Finance Tip of the Month: Do you tithe? Well, we should. Consider setting aside 10% of your income for the poor. If 10% is too much, contribute how much you can possibly give. Life is not all about money. Its about being human.
29
30

June 2013: Balanced Life!
Spiritual
________________________________ ________________________________
Physical
________________________________ ________________________________
Family
________________________________ ________________________________
Study/Work
________________________________ ________________________________
Financial
________________________________ ________________________________
31

June 2013
Monthly Savings Goal: ___________ Monthly Investment Goal: __________ Action Items: 1. 2. 3. Roadblocks: 1. 2. 3. Points for Improvement: 1. 2. 3. Prize: ________________
Personal Finance Tip of the Month: Diversify! Are you stuck in savings and time deposits? Explore the profitable world of mutual funds and stocks. For newbies, get into blue chips and balanced funds. For risk-takers, equity fund for you!
Divide your portion to seven, or even to eight, for you do not know what misfortune may occur on the earth. Ecclesiastes 11:2
32

(April June 2013) o Did you have zero interest charges on your credit card this quarter? If yes, check! o Have you joined a personal finance online forum / Facebook group on investing / blog discussions on money? If yes, check! o Have you started a health care fund for you and your family? If yes, check! o Were you able to TOP UP on a mutual fund / stocks account this quarter? If yes, check! o Have you invested on vacations lately? Vacations are investment too with your loved ones splash the beach waters! If yes, check! For 5 checks, congratulations! Youve succeeded your 2nd wave of investment experience in 2013!
nd
33
I want a mutual fund this year. I want a stock trading account this year.
I want an emergency fund this year.
Half-year assessment
Oops sorry I stopped you. Lets go back to your 3 objectives. How are you doing? Are there any difficulties along the way? Do you need financial advice? Email me at krissy@peraholic.com Happy to serve!
34
Happy Family Life
Successul Career
Faith in God and service to poor
Stable finances
Go back to basics.
Remember that living is not all about money. There are other factors such as spending time with family, launching a successful career or business, serving God and the needy. Money isnt everything. Make good use of it. Make money do us good.
35
36

July 2013: Balanced Life!
Spiritual
________________________________ ________________________________
Physical
________________________________ ________________________________
Family
________________________________ ________________________________
Study/Work
________________________________ ________________________________
Financial
________________________________ ________________________________
37

July 2013
Monthly Savings Goal: ___________ Monthly Investment Goal: __________ Action Items: 1. 2. 3. Roadblocks: 1. 2. 3. Points for Improvement: 1. 2. 3. Prize: ________________ The single most powerful asset we have is our mind. If it is trained well, it can create enormous wealth in what seems to be an instant. Robert Kiyosaki
Personal Finance Tip of the Month: Do you maximize the use of the ff:
Mercury Drug Suki Card Credit Cards Points National Bookstore Laking National Card PAL Airmiles SM Advantage Points, etc.?
If not, check existing points and exchange them for freebies!
38
39

August 2013: Balanced Life!
Spiritual
________________________________ ________________________________
Physical
________________________________ ________________________________
Family
________________________________ ________________________________
Study/Work
________________________________ ________________________________
Financial
________________________________ ________________________________
40

August 2013
Monthly Savings Goal: ___________ Monthly Investment Goal: __________ Action Items: 1. 2. 3. Roadblocks: 1. 2. 3. Points for Improvement: 1. 2. 3. Prize: ________________ The manna stopped failing then, and the Israelites no longer had any. From that time on they ate food grown in Canaan. Joshua 5:12
Personal Finance Tip of the Month: Check out some insurance providers and know if these investments suit your needs: education plan, healthcare plan, pension plan, savings+investment plan, etc.
41
42

September 2013: Balanced Life!
Spiritual
________________________________ ________________________________
Physical
________________________________ ________________________________
Family
________________________________ ________________________________
Study/Work
________________________________ ________________________________
Financial
________________________________ ________________________________
43

September 2013
Monthly Savings Goal: ___________ Monthly Investment Goal: __________ Action Items: 1. 2. 3. Roadblocks: 1. 2. 3. Points for Improvement: 1. 2. 3. Prize: ________________ There are no limits to the mind except those that we acknowledge. Napoleon Hill
Personal Finance Tip of the Month: Itching your way to getting hold of a new gadget?
Ist a necessity? Will it boost your career or business? Ist practical? Ist a good buy? Can the purchase wait?
Be honest.
44

(July August 2013) o Have you shopped lately on insurance? If yes, check! o Do you have a start-up capital for business youve been dreaming of? If yes, check! o Its ghost month were you able to add mutual funds positions or stock positions? If yes, check! o Were you able to seek mentors and guidance from available mentors and educators in the net? If yes, check! o Have you celebrated any special occasion without having money as problem? If yes, check! For 5 checks, congratulations! Youve succeeded your 3rd wave of investment experience in 2013!
rd
45
46

October 2013: Balanced Life!
Spiritual
________________________________ ________________________________
Physical
________________________________ ________________________________
Family
________________________________ ________________________________
Study/Work
________________________________ ________________________________
Financial
________________________________ ________________________________
47

October 2013
Monthly Savings Goal: ___________ Monthly Investment Goal: __________ Action Items: 1. 2. 3. Roadblocks: 1. 2. 3. Points for Improvement: 1. 2. 3. Prize: ________________ Command them [the rich] to do good, to be rich in good deeds, and to be generous and willing to share. 1 Timothy 6:18
Personal Finance Tip of the Month: Top up your mutual fund or stocks. Dont leave them untouched forever. Check out their balances once every week. Infuse funds if you have extra. Monitor them regularly.
48
49

November 2013: Balanced Life!
Spiritual
________________________________ ________________________________
Physical
________________________________ ________________________________
Family
________________________________ ________________________________
Study/Work
________________________________ ________________________________
Financial
________________________________ ________________________________
50

November 2013
Monthly Savings Goal: ___________ Monthly Investment Goal: __________ Action Items: 1. 2. 3. Roadblocks: 1. 2. 3. Points for Improvement: 1. 2. 3. Prize: ________________
Personal Finance Tip of the Month: Thinking of starting a business? Check out magazines and online articles on business start-up. Ask first time investors too on their experiences. Observe franchises in malls and public places. Get ideas from travels abroad. Key is observation. What does my market want?
When you start doing what you really love to do, youll never work another day in your life. Brian Tracy
51
52

December 2013: Balanced Life!
Spiritual
________________________________ ________________________________
Physical
________________________________ ________________________________
Family
________________________________ ________________________________
Study/Work
________________________________ ________________________________
Financial
________________________________ ________________________________
53

December 2013
Monthly Savings Goal: ___________ Monthly Investment Goal: __________ Action Items: 1. 2. 3. Roadblocks: 1. 2. 3. Points for Improvement: 1. 2. 3. Prize: ________________ Now he who supplies seed to the sower and bread for food will also supply and increase your store of seed and will enlarge the harvest of your righteousness. 2 Corinthians 9:10
Personal Finance Tip of the Month: Its December time! Merry Christmas and advanced Happy New Year! Did you meet your financial plan objectives? Its time to wrap up gifts and wrap up the diary with lessons. Hope you had fun!
54

Take the Financial Status Check-up Quiz! 4th Wave of Investment
(September December 2013) o Are most if not all of your bank accounts accessible through online? If yes, check! o Its the happy season again! Have you made a gift list? If yes, check! o Do you now have a positive cashflow? If yes, check! o Have you attended any personal finance seminar? If yes, check! o Are there items from the 1st to 4th waves of investment that are not yet fulfilled and you wish to fulfill now? If yes, check! For 5 checks, congratulations! Youve succeeded your 4th wave of investment experience in 2013!
55
Wrap Up!
How are your 3 objectives doing? Were you able to achieve them? Congratulations!
56

Alright now, for the Money Challenge lets see how youve scored based on the challenges every month:
2013 Money Challenge

JAN
My money theme of the month: Cash and Emergency Open an emergency fund which I'll beef up until I reach worth 6 months worth of my salary.
FEB
MAR APR MAY JUN JUL AUG
My money theme of the month: Health Care Open a special savings account which I'll beef up until I reach a health care fund worth Php_____.
My money theme of the month: Mutual Fund Open a mutual fund depending on my risk appetite: Bond Fund, Balanced Fund, Equity Fund.
My money theme of the month: Stocks Open an online stock trading account with a minimum start-up balance of Php5,000.
My money theme of the month: Insurance Shop among different insurance providers and select which one is best for me.
My money theme of the month: Business Save up start-up capital for my dream business.
My money theme of the month: Advocacy. Visit an orphanage. Tithe to church. Donate to charity. This month is about me and my advocacy.
My money theme of the monthl: Top up in the Ghost Month It's the dreaded ghost month! Best time to add funds to mutual funds and stocks. Me should be wise!
SEP
OCT NOV DEC
My money theme of the month: My Play Fund! Open an account devoted to vacations, gadgets, and dream must-haves. I treat myself with a reward.
My money theme of the month: Budget and Expenses What makes my money go down the drain? Time to cut credit cards, tighten belts, limit spending?
My money theme of the month: Learning Read a personal finance book. Attend seminars. Get into investing groups in Facebook. Ask around!
My money theme of the month: Relax and review. Take a step back to your monthly money plans. Mistakes and lessons? Takeaways? Merry Christmas!
57

Lets see how well you fared financially this 2013: If you are able to accomplish the task in a particular month, put a happy star:
For 1 - 5 stars for you!
= Oops! What happened? Still, 5 money Good luck next time!
For 6 9 = Youre almost there! Congratulations! Review where the difficulties are and achieve them in 2014. Its a great start!
For 10 12
= Youve made it! Congratulations!
You have accomplished the Money Challenge with flying colors! Hooray for your financial life!
Congratulations for taking the 2013 Money Challenge!
58

End of Year Financial Status Assessment
Fill up your net worth as of December 2013:
Assets
Savings ______ Time Deposits ______ Mutual Funds ______ Stocks ______
Liabilities
Credit Card __________
Mortgage ___________ Company Loan ___________ Loan from relatives
___________
Others ___________
Others ______
Sum (Assets) Sum (Liabilities) = Net Worth Net Worth as of 2013 = Php ___________ Positive Net Worth? Check!
59

2013 Official Philippine Holidays
By Proclamation 459, President Aquino declares the following holidays: Regular Holidays Jan. 1, New Year's Day (Tuesday) Mar. 28, Maundy Thursday Mar. 29, Good Friday Apr. 9, Araw ng Kagitingan (Tuesday) May 1, Labor Day (Wednesday) Jun. 12, Independence Day (Wednesday) Aug. 26, National Heroes' Day (last Monday of August) Nov. 30, Bonifacio Day (Saturday) Dec. 25, Christmas Day (Wednesday) Dec. 30, Rizal Day (Monday) Nonworking Days Mar. 30, Black Saturday Aug. 21, Ninoy Aquino Day (Wednesday) Nov. 1, All Saints' Day (Friday) Nov. 2, All Souls' Day (Saturday) Dec. 24, day before Christmas (Tuesday) Dec. 31, New Year's Eve (Tuesday) Special Holiday for Schools Feb. 25, EDSA Anniversary Revolution (Monday)
60

CLOSING WORDS
If you happen to miss out some suggestions you encountered anywhere above, well I got good news for you: You dont have to fulfill ALL of them now. Yeap! Because you have the next year to fulfill them. The goal we have achieved this year is simple: Youve planted the seed of abundance. And you are able to nourish it with discipline, consistency and knowledge. For shoutouts and feedback, please visit the Facebook page of Peraholic.com. You can also send an email to krissy@peraholic.com. Suggestions on how we can improve this personal financial plan diary are also very much welcome. Wed like to hear how this diary has helped you within the year, what youve felt like using it, and how it has moved you to become the money person you dream to be. This financial plan diary is for FREE. Please share with others! Happy millions! Krissy
AMDG+ 1cor1614 PS1 As much as I wanted to print a hard copy of this diary to be freely shared with you, printing (as I inquired) would cost me significant amount given the number of subscribers and the print quality I want to achieve. Hence, this diary is for download for FREE. You can opt to print a colored hard copy of this diary as it looks nice that way, but you can also opt to keep it as soft copy in your computer/laptop/tablet. PS2 Next year, my big dream is to be able to publish a hard copy of this diary for distribution. I hope you can help me fulfill my dream by supporting the blog throughout 2013. Join our charity activities too! PS3 I am a charity blogger, a pet lover, a curious person and a God-fearing person. Visit TouchPhilippines.org, CuddlyCradle.com, SecretsandScandals.net and FaithCrew.blogspot.com. Thank you so much!
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A blissful and peaceful time.. knowing I have the money to enjoy what life has to offer.
62

Acknowledgments
Credits to Simplify and Create Abundance by Bo Sanchez for the quotes. Credits to http://www.2013calendarwithholidays.org/ for the monthly calendar snapshots. Credits to http://delosangelesphotography.com for the pictures used in this diary on pages 2, 4 and 62. Please visit the following sites for more money articles: http://moneylifeblood.blogspot.com/ http://peraholic.com/ http://investinginphilippines.com/
Copyright 2013 Peraholic.com
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This is how you do it.

MoneyLifeBlood. Blogspot.com Peraholic.com InvestingInPhilippines. com krissy@peraholic.com +639103604053