Matalinong pag budget - edited

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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

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

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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Step 4: Review your expenses

• Anong yung pwedeng bawasan?

• Ano yung mga hindi naman

kailangan?

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Step 5: Follow your budget

• The objective is to match your

family's spending to your current

income.

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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

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

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%

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

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%

DIVERSIFY

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

DIVERSIFY YOUR PORTFOLIO

Factors to consider• Age• Risk Tolerance• Purpose

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

FINANCIAL SECURITY TIPS• Work with a Financial Planner /

Adviser

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

Financial Plan & Life Insurance

Hindi po ito pang-patay

Ang purpose nito ay para

sa mga buhay at mahal

natin sa buhay

MEDICAL EMERGENCYHOSPITALIZATION

UNEXPECTED DEATH

MITIGATE RISK

SASALO SA INYOANG LIFE INSURANCE ANG…

TUMULONG SA INYOANDITO KAMI PARA

MAKAPAG TAPOS

INCOME PROTECTION

MAKAIPON PARA SA RETIREMENT

MASAYA…

COMFORTABLE NA BUHAY

Work with a Fiancial Planner / Adviser

• Professional• Knowledgeable• Who listens• Who puts you 1st

• Who you like• Trustworthy



Economy & Finance

Matalinong pag budget - edited