Control your

cash

If then you have

not been faithful in
handling worldly
wealth, how can
you be trusted with
true wealth?
Luke 16: 9-11

Take a lesson from

the ants, learn from
their ways and
Become wise. They
labor hard all
summer, gathering
food for the winter.

What is
YOUR
retirement
Age?

What if you
live until
100?

Life expectancy rate

1900
1910
1920
1930
1940

=
=
=
=
=

47
50
54
59
63

1950 =
67
2000 =
80
2010 =
102

Let Say you Life Until

102 65 = 37 years
37 x 365 x 300 pesos =
P4 million
140 65 = 75 years
75 x 365 x 300 pesos =

Be ready to live too

long

3 problems if you live long

- when youre not Spiritually healthy
- when youre not physically healthy
- when youre not financially healthy
-

When youre poor.

Control your
cash

Stop
borrowing

the borrower is the slave of the lender

proverbs 22:7

Most people are indebted.

Yes?
LIVE SIMPLY In Good and Bad
Times
LIVE Below Your Means
Avoid Credit Card Debt
Lifestyle Inflation
Stay Away from MATERIALISM
Be Financially Literate

HOW TO ELIMINATE THEM?

Use the Snowball Method

Or Avalanche Method
Stop Impulse-Buying
Use Cash vs Credit Card
Asset or Expense?

Asset or Expense?

Are You an Impulse Buyer?

2 Tips!
1) If youre going to make a Minor
purchase, wait at least a week
before buying it.
2) If youre going to make a Major
purchase like a house or a car
wait at least a month before you
buy it.

Live on 70% of
your income

PROBLEM
Most people want to save but dont
know howmost people know only
how to SPEND

INCOME EXPENSES
=
EXPENSES
LIFESTYLE
DEBTS
INCOME Budget
SAVINGS

POVERTY FORMULA

Solution:

Pay God First Then

Yourself

CHANGE THE
FORMULA
PAY GOD AND YOURSELF FIRST!

At the beginning of the month, before you pay anyone

else give your 10% tithes, then to yourself for 20%

of your income.
DISCIPLINE YOURSELF TO LIVE BELOW
=
YOUR INCOME-TITHES-SAVINGS
BUDGET

EXPENSES

SAVINGS
EXPENSES

and Lifesyle

INCOME Budget
(70%)
GOD
(10%)

(20%)

ABUNDANCE FORMULA

LIST DOWN YOUR INCOME AND

EXPENSES. LIVE SIMPLY. CREATE A
BUDGET TO LIMIT YOUR EXPENSES
TO 70%

invest

What is NO.1
Investment
for Filipinos?

What is

INFLATION?
- the general
increase in prices
and fall in the purchasing value
money
Doofyou
want a
simple illustration
on the effect of
inflation?

INVESTI
INVESTI
NG
NG
SAVING
SAVING
S
S (2%)

INFLATI
INFLATI
ON (4%)
ON

(6% and
up)

LIMIT YOUR EXPENSES TO NEEDS NOT WANTS. TILL

YOU CAN AFFORD IT.
ITEM
Softdrinks
Coffee
Beer, Gin, Pulutan
Cigarette
Dining Outside
Snacks
Ice cream, dessert,
junk foods, candy,
chocolates

MONTHLY
COST

ANNUAL
COST

1,200
1,800
2,000
9,00
4,000
3,000

14,400
21,600
24,000
10,800
48,000
36,000

1,500

18,000

120

1,440

400
600

4,800
7,200

1,000

12,000

1,000
200

12,000
2,400

1 per month

200

2,400

1 activity per
month

2,000

24,000

3 cards
1 per month

1,000

6,000
12,000

COST

P20/can
P20/cup
P500/session
P30/pack
P1000/meal
P100

2
2
1
1
1
1

P50

1 per day

Magazines, comics
Lotto Tickets

Ave =
P12/transaction
P100
P20/ticket

Movie Tickets

P100/ticket

10 transactions/
month
1 per week
1 ticket/day
10 tickets per
month
1 per month
1 per month

ATM Fees

Buying "sale" items

P1000
Extra cellular load
P200
Feet maintenance
other than pedicureP200/session
foot spa
Hair maintenance
other than hair cut,
P2000/session
rebond, color, relax,
straight, curl
Credit card renewal fee P2000/year
Diet Pills
P1000/bottle

cans per day

cups/day
per week
pack per day
per week
per day

Can you save

1,000 pesos a
month?

33/Day can turn to

Millions
That is one snack
reduction, or
Two Lotto tickets, or

With Consistent & Disciplined

Approach You can Create Your Millions

How To Make Millions

In The Stock Market

85% Lose
Money

Two Ways Of Doing

The Stock Market:

1. Short-Term Trader
2. Long-Term Investor

Most of those Losers

are Short-Term Traders

Fact:

4 Rules Of Making
Millions
In The Stock Market

Rule #1:
Invest Small Amounts Every Month
For 20 Years Or More

Rule #2:

Invest Even When Theres A Crisis

Rule #3:

Invest Only In Giants

Rule #4:

Invest In A Lot Of Giants

SAM Stocks:
Current
Picks
ALI CEB
AC MEG
BDO UBP
DNL CHP
FGEN
GTCAP

ALI:
Todays
Price:
P40.0 0
Buy Below
Price:
P37.68
Target Price:

ALI (BBP: 33.33;

TP: 41.67)
Nov 1
P35.70
Dec 1
P34.46
Jan 1
P33.86
Feb 1
P31.18
Mar 1 P33.56
April 1
P35.40

If you put P2000 monthly at

12% a Year for 20 years, you

earn

P2 Million

If you put P2000 monthly at

20% a Year for 20 years, you

earn

P6 Million

If you put P2000 monthly at

25% a Year for 20 years, you

earn

P13 Million

Jack and Jill

JackJill
1530,0000
1630,0000
1730,0000
1830,000 0
1930,0000
200
0
2100
2200
2300
2400
2500

27030,000
28030,000
29030,000
30030,000
31030,000
32030,000

Jack Jill
360 30,000
370 30,000
380 30,000
390 30,000
400 30,000
410 30,000
420 30,000
43030,000
44030,000
45030,000

Jack Jill
460 30,000
470 30,000
480 30,000
490 30,000
500 30,000
510 30,000
520 30,000
53030,000
54030,000
55030,000

Jack Jill
560 30,000
570 30,000
580 30,000
590 30,000
600 30,000
610 30,000
620 30,000
63030,000
64030,000
65030,000

How Much Did Each

Invest?
Jill:P1.17 Million
Jack: P150 Thousand

If invested in
at 1% a Year:

Savings Account

Jill:P1.4 Million
Jack: P286,000

If invested in
3% a Year:

Time Deposit

Jill: P2.1 Million

Jack: P723,000

at

If invested in Stocks at 12% a

Year:
Jill: P23 Million
Jack: P38 Million

If invested in Stocks at 20% a

Year:
Jill: P286 Million
Jack: P1 Billion

Summary

1% 3%12%
20%
Jill
P1.4M P2.4M
P23M P286M
Jack
P286T
P723T
P38M
P1B

Senior Citizens Survey

Philippines

2%
8%

30

40%
20
%

CHILDREN
CHARITY

STILL WORKING

PENSI
FINANCIAL
ON
LY
INDEPEND
ENT

You have a choice, which

one do you prefer?

ontrol your CASH o

R CASH Will Contro

Thank you!
#AskLaurent
luranski@gmail.com
www.PinoyFinancialPlanni
ng.com
www.PinoyOnlinePreneur.
com
FB: Laurent Dionisio