SESSION 1

PRAYER

PERSONAL FINANCE
MANAGEMENT
CONSULTANCY
Show the road towards financial
freedom

MISSION

PFMC foster financial stewardship to majority

of families towards 1st world country
Philippines.

VISION

PFMC is the first, biggest and most impactful

personal finance consultancy in the
Philippines.

CORE VALUES

Confidentiality
Integrity
Excellence we do things better than
yesterday.

PRINCIPLES

Financial Quotient knowing how money works

Financial Stewardship using money according
to Gods will.
Financial Freedom letting money work for .
Prosperity and Sharing we can only maximize
the happiness of having anything by sharing.
Gratefulness we can only maximize things
that we appreciate.
Self-help no one can help us except ourselves.
Self-responsibility taking responsibility of
ones actions and point only to ourselves.

SERVICES OFFERED

Financial Literacy and Management Program

(12 lessons, PhP1,200)
Paradigm

Shifting (Poor to Wealthy Mindset,

Balance Sheet, Income Statement/Cash Flow)
Investment Vehicles (Real Estate, Mutual Fund,
Stocks)
Goal Setting (Long-term, Short-term, Emotional
Why, Timetables)

Family Financial Consultancy (consultancy

fee of PhP300)
Assessing

problem.

Financial Means in attaining or solving a

SERVICES OFFERED

Documentation of Business Process (Package or

Retainers fee)
Cross-Functional

Visio Business Process.

Business Internal Control Improvements (Package

or Retainers fee)
Standard

Internal Control, applicable in the

Business/Industry.

Assurance on fair presentation of Debtor/Loan

Applicants Financial Statement
Debtors

Balance Sheet and Income Statement Analysis

Feasibility Study/Business Plan

Bookkeeping

WHO NEEDS FINANCIAL

CONSULTANT?

Are you living paycheck to paycheck with no

money going into savings?
Are you alternating which bills to pay each
month, leaving some unpaid?
Are you late making payments?
Are you using one credit card to make the
payments on another?
Do you have creditors calling you?
Are you being denied credit?
Wala na nagsalig sa sweldo sa utang na.

WHO NEEDS FINANCIAL

CONSULTANT?

For newly employed professionals who want to

have a good start in their personal finance
management.
For retireable employees who want to enjoy
their retirement by being financially worry free.
For employees/entreprenuers who want to let
their money work for them.
For employee-investor and entreprenuerinvestor who want to know more on investment.
Overseas Filipino Workers dependents who want
their allotment work for them.

Hesitant to pay for personal financial

consultancy fee?
How much would you pay for having money
work for you? To be financially free?

COMPUTING OUR NET WORTH

Asset Liability = Net Worth

Do we like what we see?

RAT RACE
Current Trend
Kakha tuka

Option
Financially free.

Baon sa bad debt(Paying With good debt.

bills, big purchases and
hospitalizations are on
credit)
Working till the age of
60 or 65

Retire young

Retirement years are

lean years, asking from
relatives/children.

Abundant Retirement

RAT RACE
Current trend
Cost of living
increases as Income
overtime

Option
Wealthy formula

Accumulating dead
investments

PIG

WHY

After graduation learning stops

Treats oneself by buying food clothes (1DM)
Out of someone to look up to.
Spends all income received.
Let things happen.
Kung gaano kataas ang iyong pangarap ganun
rin ang lagapak

WHY POOR HABITS/MINDSETS

Wants to be wealthy but confused (when,

where, how)
Think businessmen are greedy.
Want instant things
Tend not to talk about finances.
Blaming others.
Make Excuses.
Procrastinates.

CUT
THE VICIOUS
CYCLE

HOW

Change Mindset
Have FQ

BIBLE VERSES

Getting on a Plan
Luke 14:28 ESV
For which of you, desiring to build a tower, does not first
sit down and count the cost, whether he has enough to
complete it?
Proverbs says, Plan carefully and you will have plenty; if
you act too quickly, you will never have enough.(Proverb
s 21:5)

Getting out of debt

Proverbs 22:7

The rich rules over the poor, and the borrower is the
slave of the lender.

2 Kings 4:1-7 Elisha and the widow on selling oil to pay the
debt of her husband.

FINANCIAL QUOTIENT

Matthew 25:15
To one he gave five talents, to another two,
to another one, to each according to his
ability. Then he went away.
Ecclesiastes 5:19 says, If God gives a man wealth
and property and lets him enjoy them, he should
be grateful and enjoy what he has worked for. It is
a gift from God.
Gods favored people in the old testament are
prospered.

BE WEALTHY
Rich

Wealthy

Work for money

Let money work for you.

Having money

Having enough in every of

life (finance, health,
wisdom, spiritual,
relationships)

Motivated by money

Motivated by dreams,
purpose and passion.

Have the mostly think

indicators of being monied
(car, house, etc)

Have passive income greater

than living expenses.

STATISTICS

80% of wealthy are focused on accomplishing

some single goal. Only 12% of the poor do
this.
23% of wealthy gamble. 52% of poor people
gamble.
63% of wealthy listen to audio books during
commute to work vs. 5% of poor people.
81% of wealthy maintain a to-do list vs. 19%
of poor.
67% of wealthy write down their goals vs.
17% of poor.

STATISTICS

88% of wealthy read 30 minutes or more each day

for education or career reasons vs. 2% of poor.
6% of wealthy say whats on their mind vs. 69% of
poor.
79% of wealthy network five hours or more each
month vs. 16% of poor.
44% of wealthy wake up three hours before work
starts vs. 3% of poor.
63% of wealthy parents make their children read
two or more non-fiction books a month vs. 3% of
poor.

STATISTICS

70% of wealthy parents make their children

volunteer 10 hours or more a month vs. 3% of poor.
70% of wealthy eat less than 300 junk food calories
per day. 97% of poor people eat more than 300
junk food calories per day.76% of wealthy exercise
aerobically four days a week. 23% of poor do this.
80% of wealthy make Happy Birthday calls vs. 11%
of poor.
67% of wealthy watch one hour or less of TV every
day vs. 23% of poor.
6% of wealthy watch reality TV vs. 78% of poor.
74% of wealthy teach good daily success habits to
their children vs. 1% of poor.

STATISTICS

84% of wealthy believe good habits create

opportunity luck vs. 4% of poor.
76% of wealthy believe bad habits create
detrimental luck vs. 9% of poor.
86% of wealthy believe in lifelong
educational self-improvement vs. 5% of poor.
86% of wealthy love to read vs. 26% of poor.

SCIENCE OF GETTING RICH (WALLACE

WATTLES)

THERE is a thinking stuff from which all

things are made, and which, in its original
state, permeates, penetrates, and fills the
interspaces of the universe.
A thought in this substance produces the
thing that is imaged by the thought.
Man can form things in his thought, and by
impressing his thought upon formless
substance can cause the thing he thinks
about to be created.

PRE-REQUISITES FOR SCIENCE

TO WORK

We must pass from competitive to creative

plane
Sincere gratitude of blessings
Clear and definite mental image/unwavering
faith and devout gratitude.
Active and filling his present place everyday
(he must add value no need to hangyo)
We will receive the exact proportion to the
definiteness of their vision, the fixity of their
purpose, the steadiness of their faith, and
the depth of their gratitude.

ACTIVITY (BY GROUP)

Currently where are you now in your finances

(the BS weve made a while ago.
Why do you think you need a financial planner?
Do you think it is okay now to be wealthy? Why?
What mindset do you have that hinders you to
be wealthy and you want to change?
What wealthy practices we want to apply today
and onwards?
Write down what you want to appear in your
balance sheet. Asset-Net Worth= Liabilities

THE END
THANK YOU VERY MUCH