Buhay nanay atbp

SOME LESSONS ON FINANCES 💯

1. Must have EMERGENCY FUND - enough for 6 months of expenses/current lifestyle.

2. SAVE MONEY and MONEY WILL SAVE YOU. Don't save what is left after spending. Only spend what is left after saving.

3. Best to have ZERO DEBT, if you can't pay cash, you CAN'T AFFORD it, nothing beats PEACE OF MIND.

4. Avoid unnecessary spendings, forget sale price, everything is 100% off when you don't buy it. Don't waste your money on things that you don't need, even if they are cheap. EVERY PESO COUNTS!

5. Learn to BUDGET - it is telling your money where to go instead of wondering where it went!

6. If we buy things that we don't need, we will have to SELL THINGS THAT WE NEED.

7. PRETENDING TO BE RICH can make us poor. Must learn to live BELOW MEANS. Don't go broke trying to look rich.

ACT YOUR WAGE.

8. MONEY IS NOT EVERYTHING, but we cannot deny the fact that we NEED money for our FAMILY.

9. Always have a BACK-UP PLAN for life's uncertainties.

Start having your personal LIFE INSURANCE with INVESTMENT.

10. Let's break the TOXIC FAMILY CULTURE about
FINANCES. Your children is not your retirement fund, and your parents is not your emergency fund.

Ccto ✨Dainty

"Remember this Kenyan runner Abel Mutai who was just a few feet from the finish line, but became confused with the signage and stopped, thinking he had completed the race.
A Spanish runner, Ivan Fernandez, was right behind him and, realizing what was happening, started shouting at the Kenyan to continue running.
Mutai didn't know Spanish and didn't understand. Realizing what was taking place, Fernandez pushed Mutai to victory. 💕

A journalist asked Ivan, "Why did you do that?"
Ivan replied, "My dream is that someday we can have a kind of community life where we push and help each other to win."

The journalist insisted, "But why did you let the Kenyan win?" Ivan replied, "I didn't let him win, he was going to win. The race was his."
The journalist insisted again, "But you could have won!"
Ivan looked at him and replied,
"But what would be the merit of my victory?
What would be the honor in that medal?
What would my mother think of that?"
Values are passed on from generation to generation.
What values are we teaching our children?

Let us not teach our kids the wrong ways and means to win. Instead, let us pass on the beauty and humanity of a helping hand. Because honesty and ethics are winning!"
Via: The Unique TonyaLe

Left milk
Right toy 😅

🙏