Coach Emar

Another day with the master.

During a crisis, remember to take your time to make sound decisions, especially in spending your emergency fund. Here are 3 guidelines you can use:

- Is it really unexpected?

- Is it absolutely necessary?

- Is it a legit emergency situation (urgent and cannot wait)?

If it’s not an emergency, don’t touch it,
and if it is, don’t forget to replenish your EF once you’re in shape to do so. ❤️

Never rely on a single source of income.
Make an investment to establish a secondary source.

“ Invest what you have in several different things.
You don’t know what bad things might happen on earth.”

- Ecclesiastes 11:2 ERV

It’s better to be 5 years too early than 5 minutes too late ❤️

A health insurance plan can help you protect yourself from unexpected or unwanted conditions, as well as give you peace of mind that you are prepared for whatever happens.

Here are three reasons why you should have health insurance:

1. Changing Lifestyle - busy working schedules, unhealthy eating habits and long traffic hours that create health disorders

2. Raising Medical Costs - Medical treatment costs are rising at a much faster rate than the rate of inflation.

3. To achieve your other Financial Goals - Financial plans are disrupted when critical illness strikes if we do not have health insurance.

There are health insurance plans that are fit to your goals and budget. Contact me for the options available to you 🙂

"Even the smallest gift, with enough time, becomes immeasurable."

Don't underestimate the amount that you can save and invest now. It might be small for you, but with the help of the 8th wonder of the world called compound interest, it might create millions if you consistently save and invest on a regular basis.

Here are some things that can help you improve your finances if you are on a low income:

-Find a good part-time job to make extra money.

-Evaluate your career path. Find ways to improve your performance to have a salary increase .

- Closely monitor your expenses on the basic expenses like rent, utilities, transpo, groceries, etc.

- Create a zero-based monthly budget (your income minus your expenditures should equal zero. Savings goals, mortgage payment and fun are all included.)

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Over 930 million people worldwide are forced into poverty each year because of the unexpected medical expenses. Make sure to be financially prepared for health emergencies.

Kahit ilang beses tayo nawawalan ng faith kay Lord, He remains FAITHFUL ❤️

Want to kick that impulsive buying habit?

Practice.
If you are going to purchase a big ticket item that you really really want, like latest cellphone, gadgets, or car, make it a habit to say "NO" first and let 30 days pass before you buy that item.

This will develop your discipline and patience. This is the key: Delay your self gratification.

Critical illness plans relieve you of all financial concerns so you can concentrate on your health and recovery.

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