Grow Knowledge

Many people earn P50k and stay broke.
Others earn P15k and build peace.
It’s not just what you earn.
It’s what you do with it.

It’s not always about earning more.
Sometimes, it’s about being wiser—with what you already have.

Because let’s be honest—
Many couples earn a lot and still stay broke.
While others earn just enough,
but somehow build peace, plans, and progress.

It’s not the amount.
It’s the alignment.

Two people, working together,
not just to make money—but to make it mean something.

Some relationships chase income.
But the stronger ones chase discipline.

They talk before they swipe.
They plan before they splurge.
They say no to some wants,
so they can say yes to bigger goals.

Because real love isn’t just about sharing moments—
it’s about sharing mindsets.

And you’ll see it in the small things:
packed lunches,
budget nights,
cancelled add to carts,
and long conversations that begin with,
“Where do we want to be five years from now?”

It’s not about who earns more.
It’s about how you honor the income you both have.

You don’t have to be rich to build something strong.
You just need to be united—
in values, vision, and discipline.

Because when you both treat every peso with purpose,
even a little can go a long way.

And when you’re wise with the small,
you’ll be ready for the big.

©️

AVOIDING UNNECESSARY PRESSURE

1. Put your kids in
schools you can afford
because expensive
schools don't
guarantee good
results. Just ensure
they attend a good
affordable school

2. Rent apartments you
can pay for
conveniently. Don’t live
in a house you struggle
to pay yearly.

3. Let’s plan our lives and
live within our means.
Save more and spend
less.

4. Some women buy food
for their children every
morning before going
to school or even for
the whole family, do
you know it’s cheaper
to cook at home?

5. Some people don’t
earn much, but have
DSTV at home, go for
GOTV and upgrade
when your income
upgrades. It’s still the
same CNN anyway!

6. Eat healthy meals and
protect your family
from mosquitoes to
avoid going to the
hospital always.

7. Take advantage of
food and fruits in
season, its cheaper
and you can be
creative to create
amazing meals.

8.Don’t copy your
neighbor’s lifestyle,
she earns well and her
husband is a ‘big
man’

9. Don’t follow trends,
wear clean well-
ironed clothes and
keep your hair neat.
You would still look
good.

10. Keep your circle
small, keep only
friends that have
senses!

11. Above all things, have
the fear of God, have
integrity, don’t be lazy
and be prayerful.

12. Planning is the key, if
you fail to plan, you
PS:Ifplan to FAIL.

13. Don't do more than
your budget this
Time, there is no
award given to best
family that wore an
expensive cloth for
the year

14.Don't be in
competition with
anyone...
The purpose of shoes
and clothes are to
make us smart and
good.

Ctto

Ang bilis gastusin ng pera,
Ang bilis ng panahon,
Ang bilis maubos ng pera at di napapriority ng tama,ang paggastos.

Hindi permanente ang magandang income at malusog na katawan.
Nawa marealize mo kaibigan na paghandaan ang mga bagay na di natin kontrolado.

Dadating ang panahon na kasabay ng paghina ng income natin ang paghina ng katawan natin.

Malungkot man isipin, lahat tayo ay tatanda at magkakasakit. Pero mas malungkot kung hindi natin paghandaan.

Eto si Kaiser ang magiging kakampi natin sa panahong yon. Hindi man natin makita ang kahalagahan ng Kaiser ngayon. Pero sa oras na tayo ay matanda na at may sakit, magpapasalamat ka sa sarili mo at kumuha ka ng Kaiser.

PM mo ko at ipapaliwanag ko ang kagandahan ng Kaiser, bakit kami mayroon nito ngayong kalakasan pa. 📩 m.me/liza.j.aspacio

or see this link para sa ibang impormasyon
👉bit.ly/UltimateKaiser3in1SavingPlan

*IMG is the only broker company of Kaiser International Health Group, Inc. *

IMG Full Benefits here, enroll now!!
👉 440676ph.imgcorp.com

4 Reasons Why Planning for Retirement is Important

1. SSS is not enough –You will need to downgrade your lifestyle if you will depend on SSS alone.

2.Inflation-Your ₱1 now will have a lesser value in the future.

3. Our kids are not our retirement fund. Part of pagtanaw ng utang na loob culture. But we need to break this dependency culture because we don’t want to be a burden to our kids in the future.

4. We live longer –Imagine retiring at the age of 60 years old with NO INCOME, then living until the age of 80, that’s 20 years worth of expenses? 60 years old is too far to imagine, right? How about taking a vacation for a month with no salary?

Think and Make Actions Now for a brighter future.
©️