6 Basic Personal Financial Management for OFWs

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We, Filipinos are known as an epitome of hardworking employee. We work passionately and  competitively yet in our finances we're failing to be on top. We thought working abroad is one of the the best decision to compliment our financial needs. True enough,  but it could only serve as  temporary financial aid. Looking on long term perspective, we need to know some basic Personal Financial management to guide us on how to improve our finances. 

       
 Here are  6  Personal Financial Management for you my fellow OFW's.

1.  Be Financially Literate. Financial Literacy is not part of our academic curriculum. The reason why 1% only of our population know how to invest and grow their money. You need to take initiative to educate yourself. There's a lot of ways to learn. It's just one google away nowadays. You can read ebooks or even books about finances like  "Rich Dad Poor Dad" of Mr. Kiyosaki.  You can follow financial related blogs or join Facebook group. And lastly, attend free or paid seminar. One of the best thing to do is consult a Registered Financial Planner to properly address your current financial status. Do your Diligence. 

2. Eliminate wrong Financial Mindset. Dealing with your old financial beliefs is a struggle. Here are some misconceptions practiced in handling finances.

• The wrong formula saving which is Income less expenses = savings.
• Putting our savings to bank. 
• Investing is Risky.
• Accumulating Depreciating Items believing it's an asset.

To help you eliminate these things, you need to wake up and open yourself for change.

 You should start saving the right way, set it as your priority after you take your salary. Search and study an investment to grow your savings. Know to calculate risk. Practice delayed gratification. Identify your needs over wants. 

      3. Stop Procrastination.  Assess your current financial status. Know yourself financial burden. Eliminate your wrong financial habits. Set new Financial goals. Know the basics in personal financial management. As we welcome 2016, list your plans. Take actions, commit to your goal. And lastly, seek His guidance!

4. Leave within Your means.  Sadly, we heard OFWs having zero savings, indebted, living from pay-check-to-paycheck. I witnessed real life stories here in Saudi Arabia. The main problem deeply rooted from their lack of financial education. I have known a friend working for about 10 years at government office yet until now he wasn't able to retire.  Some of their lifestyle were, premature acquisition of luho's, third party and party-all-night. They neglect to save, the reason why they can't escape the rat race. I am hoping that through this blog, I may enlighten you.

5. Start Saving. Sounds cliche', an old school but it's the foundation to Financial Freedom. It's the basic step in building wealth. Start paying yourself. Having more enough savings, open doors to many investment opportunity. Take advantage while you still have time and energy in doing so. 

6. Begin your Investment. As we slowly build our savings, it's now time to let our money work for us. It's the key to retire soon.What investments could probably help us? There's different vehicles to ride on like mutual fund investement, UITF, money market fund for beginners. For risk takers, you can try Stocks and Forex trading. Build your business, be a real estate investor and many more ways to invest.

* You should talk first your Financial consultant before jumping into any investment.

"The only way you will ever permanently take control of your financial life is to dig and fix the root problem."

Suze Orman

 
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2 ways to Open a Mutual Fund for OFWs

      

Mutual Fund investment is one of a good avenue to park our hard-earned money. It gives us a decent return better than savings account and time-deposit interest. For newbie investor, Mutual Fund investment is the most recommended vehicle to ride on since there is a Fund Manager who manage it and lay-out on a diversified portfolio. As an investor, all you have to do is fund your account and let it grow according to your holding period.

Mutual Fund has different types. It varies and categorized according to risk profile of an investor. These are the 4 types of Mutual Funds.

1. Money Market - It is invested in short-term debt securities. Recommended for moderate risk investor and short-term horizon.

2. Bond Fund/Debt Fund - It is invested in bonds or other debt securities. Recommended for moderate risk investor but for long term horizon.

3. Balanced Fund - It is invested both in stock (50%) and bond investment (50%). Recommended for aggressive investor with long term horizon.

4. Equity Fund - It is purely invested in stocks (securities). Advisable to aggressive investor with long term horizon.

In some Mutual Fund companies, for as low as 5,000 pesos you can now open an account. It shares exprssed as NAVPS (Net Asset Value per share). Holding period varies depending on types of Mutual Fund.

There are 2 ways to open a Mutual Fund account for OFWs. One of these, enable me to invest while working overseas.

1. Traditional Way - I called it traditional since the process is the same as usual way of opening an account for ex. opening a savings account. Each Mutual Fund companies has their basic requirements to settle. One of their advantage is having a Mutual Fund agent who will assist you to process your documents and serves as your Investment Advisor. For overseas application, your Mutual Fund agent will instruct you to scan your documents for data checking. When they approve it, they will advise you to send your original documents via courier. You are required to deposit your initial investment and send a scanned copy of receipt via e-mail to completely process your application. After a minimum of  5 working days (upon they receive your application) they will send your account details. Along your investment period, you'll enjoy the privilege of having a consultant/mentor represented by your Mutual Fund agent.

2. Modern Way (Online) - As COL Financial Inc. launched it's first online Mutual Fund Platform via COL FUND Source,  opening an account in Mutual Fund made so easy. How to have an online account? First thing to do is you should have an COL Financial Stock account. To my fellow OFWs, I wrote a blog on how to open an Stock account overseas. Please follow this link 

http://pinoyfinancialcare.blogspot.com/2015/07/how-ofw-invest-in-stock-market-through.html


When you have COL account, no more additional documents needed. Your buying power in stocks will be your buying too in mutual fund. It works hand-in-hand. To invest in Mutual Fund, in your Home page you'll find  Mutual Fund tab. Just click the tab and it will redirect you to COL Fund Source platform as shown in the photos below.

Here's the COL Fund Source Mutual Fund platform.

I'm sharing too this video tutorial to help you on how to navigate the site. You can watch the video here. You will then fill-up your risk profile first to know what type of investor you are. And then they will show you list of Mutual Fund companies depending on your risk profile. If you want to place your order, just click order entry and view orders to get updated on your status.
In my personal experienced, I found online investing in the mutual fund very convenient in every transaction I made. For OFWs like me, I highly recommend it. I'm sharing you these things to let you know that it's possible for us to invest our hard-earned money in this kind of investment vehicle.
Happy Investing!

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LEARN HOW TO EARN PASSIVE INCOME ONLINE

As an OFW (Overseas Filipino Worker) here in Saudi Arabia I always dreamed of settling home soon. I'm thinking of ways on how to earn additional passive income. As I told my story before, during my spare time in work, I dedicated my time looking for more ways on how to create an additional income. Aside from Blogging and my Stock Market Investment, I'm earning through Affiliate Marketing.

I want to share you on how I started earning through affiliate marketing. December 2013 when I joined Truly Rich Club of Bo Sanchez. As one of  the vehicle that bridges me to enter the world of Financial Literacy. Honestly, I joined TRC not because of passive income but to get more Financially literate and savvy. It did help me a lot in managing my finances and pushes me to start my stock market investment.  As one of the benefit being a TRC member is you can invite friends and tell them great experiences in the Truly Rich Club. Or put a Truly Rich Club link in a Blog, Facebook account or website. For every person that joins the Truly Rich Club because of the link, members get 20% of his or her monthly subscription fee every month PLUS a 5% commission for all the subscribers this person gets. For as long as recruited members remain a member, affiliate will receive commission month after month. As a TRC member, I earned an additional passive income of 4000 pesos in my affiliate commission.

How about for non members of TRC? Are they entitled too to get the same commission. The answer is Yes. They need to sign-up first and create their account here. Banners and Marketings Ads are available too, it made easy for them to advertise. But I strongly suggest them to experience being in Truly Rich Club  specially to those who wanted to start Stock Market investment and also for a newbie Stock investor. I advice them to experience 6 months subscription to take advantage on the monthly stock update(SAM table as shown below). It serves as a beginners guide, to help them know which stock companies to pick. For sure along the way they'll learn more on how to manage their portfolio. After 6 months, they can decide if they'll continue or end-up their subscription.

For more information about Truly Rich Club, kindly visit this link bit.ly/LearnBoSanchez
Aside from the learnings and enjoying the benefits of being a TRC member, you still have a chance on earning at the same time. The decision is all yours, you need only to take an action!

 Our success in life depends on our commitment towards our goal.

6 Disciplines I Mastered in Personal Finance Management

      As I understand Financial Literacy my old financial being enlightened. I used to practiced its values though it took an ounce of an extra push. I learned to master 6 disciplines in my Finances.

I'm sharing you my personal experiences.

1. Self Control

•  Its typical for a first timer OFW to lure into luxury. Knowing you're capable of spending since higher salary equates to a higher expenses. Setting priorities saved me from  "keeping-up with the jonesses". I always reminded of my goals and aligned my lifestyle accordingly.

2. Budget Oriented

• One week before pay day, I prepared my budget list. I live within my means and allocate certain amount for my simple pleasure. And it became part of my monthly routine. Right now even if I don't have my list, it won't bother me anyway since I'm familiar with my expenses.

3. Delayed Gratification

•  Its the ability to resist the temptation for an immediate reward and wait for a later reward. As I managed to control my impulsiveness and effortlessly taking my monthly budget, I practiced the art of Delayed Gratification. Though I'm itching to purchase latest gadgets, I  preferred to procrastinate. I planned on how will I get it without compromising my budget. I'm glad to share you the reward of my delayed gratification. I bought it after 2 and a half years here in Saudi.

       ( Bought November 11, 2015)

4. Saver

• As I practiced proper allocation of my salary.   I became a mighty saver, lols! Every payday, I follow the right formula in saving. Income less Savings = Expenses. I always pay myself first. Month after month, my savings increases. 

5. Debt Oriented

• During my early years here in Saudi, there were times that I borrowed money from my colleagues. Since I took the responsibility of sending my brother to college. But that challenged me, I reminded myself to settle it as soon as I received my salary. Now, I'm humbled from a borrower I turned  myself to a lender. 

6.  Investor

• I'm still on the learning process and searching phase, but I know as I started I made the best decision in my Financial Life. Guided with the right mindset of saving, I slowly build my investment fund. Now, I'm working on my paper asset. Looking forward to venture Entrepreneurship and praying for God's providence.

"You're net worth to the world is usually determined by what remains after your bad habits are subtracted from your good ones." -Benjamin Franklin-

 
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28 Inspiring OFW's EXIT Plans

Working Abroad has been my ultimate dream since I got my degree and had enough years of experience as a nurse in the Philippines. June 24, 2013 when my journey as an OFW ( Overseas Filipino Worker) began. Courage was just on my mind. I'm pretty sure  I could make most of my OFW years. When I set forth, the reality struck on me, its easier said than done. So true, homesickness exhaust you everyday since 'twas my first time being away.

I wrestled on my 1st half of year, and eventually I endured. Right now I'm on my 3rd year here in the Kingdom. After I finished my first contract, I made realization on settling home. Thinking of Marital aspects at 30 , Im so inclined to have my exit plan and continue my dreams together with my future hubby. Being financially literate and been in an investment community are things I will take advantage.

  Preparing for that year to come, I endow myself with new learnings and skills in my pursuit of becoming working wifey/mom at home (a Blogger and aspiring Entrepreneur). In God's grace, I'm looking forward to have a small family living  in Bungalow Home, with Travel & Tour Business  + Rentals + Paper Asset Investment, living simply  yet abundantly next to my neighborhood.

  I want to impart you inspiring Exit Plans of my fellow OFW's in Smart Pinoy Investors group.

1. Retire Rich, Retire Young A.S.A.P.
Build more passive income... :)
- Carl Ramacula -

2. I think 4 yrs working abroad is enough, in that years you can accumulate enough capital then create passive income, invest wisely.
- Rose Onirec -

3. Retire a very meaningful life.Not just rich but able to fulfill the purpose on why you are on this earth. There must be a purpose. Find out why!
- Rey Domingo -

4. Retire at young age with abundance in life. Share to the needy what I have.
- Jun Ansale Gabing -

5. Have a plan.

And another plan when the original plan failed.

Some things to consider, if you look in Ads they usually look for 28 yo or below (pinakamatanda na 33yo sa nakita ko pero very very seldom).

We cannot just say na "I'll just back to the workforce" ... we are competing with much younger applicants with lower salary. (Of course unless one is so qualified)

I'll do business - yes you can but always have a back up plan. Competition might kill it. And if not how profitable and FOR HOW LONG THE BUSINESS COULD SURVIVE.

In the latest survey I've read, to live decently in the province you need at least 15k ... "budget meal" na yan kumbaga and it will go up if you: rent and school your kids in a private school.

15k x 12 months = Php 180,000

At least you have a 3 years buffer:
180k x 3 = Php 540,000

500k to live "minimally" for 3 years

Aside from that you must have set aside already Educational Fund.

In 2030, tuition fee could reach 600 to max 1M per sem (if the trend of tuition fee increase continues).
- Noel Gamboa -

6. Im planning to retire working abroad before i reach the age of 35 +/-3 yrs. So far im on track. Great topic!
- Edgar Malonzo II -

7. Ako kung papalarin i want to settle with you. :)
- Jan Roy -
(Aldub Comment 💜)

8. Nice! kung aq nman gurl gusto q muna maka-build ng other streams of income, active and passive streams by God's grace :)
- Lilibeth M. Hipolito -

9. Sana mgkaroon tayo ng franchise ng jollibee or gasoline station from ofw member
- Melanie Atienza Alcazar -

10. Same idea here...gasoline station with 7/11 store...whew! mgkano kelangang capital?
- Julius Pascua -

11. Ipon muna ng buying power lol
- Alex McPathon -

12. 2020 vision: i need to have atleast P5M by Jan 08, 2020 extendable up up to June 8, 2020 pag nde pa na reach. Debt free ako nyan sa mga property na kinuha ko. Mag concentrate ako sa rental income at the same time baka expert na ko sa day trading sa stock market. Hehehe in shalla...That time 9, 7 and 5 years old na mga anak namin. But of course it needs a lot of faith and prayers to God... Learn how surrender everything to him and it will be done through him!
- Anne Juliana C. Cruz -

13. 7 years  of plenty  mag ipon.ipon muna..hanggang  2022... 10-10-20-60  formula.
- Tania Felipe -

14. Settle for good in the Phils not sure about that kasi plan ko magmigrate sa Oz or NZ. tuloy pa din stocks investment while rental income sa parents ko ipapamanage. Everything I lift to God's will. :)
- Chindee Roldan -

15. For me? June 2016 I exit. I planning to marry my GF :D , now im work here in Riyadh KSA as  DSL technician in STC  my earning is enough compare in PH. but I HAVE a Dream that someday I become CCIE- (Cisco Certified Internetwork Expert) and as of now naumpisahan k na sya as CCENT. why I exit? i like to finish my degree as an IT. at the same time I study AutoCad for creating our own house plan design , after 2 years 2018 I become IT degree holder. and also my Portfolio are created. I play in Stock Market.. IF i master Stock market and i have fix income. i used that to finish my CCIE. 2020 ang edad ko na nito ay 29. I apply as Network engineer in a Big Company Target is US. I'll bring my family in US and stay there for good. and We decide to Go back to PH @ age of 40 :D and we live simple life , serving God and Continously Investing in PSE  as a source of Our Earning and Retirement Plan.. THanks God for Everything . Sa Lord ang Papuri..
- Mark Jeff Blando -

16. Fr qatar, retire young and hopefuly get married.hahaha
- Jepoy Palaboy -

17. Many are the plans in a person’s heart,
but it is the Lord’s purpose that prevails.

Commit to the Lord whatever you do,
and he will establish your plans.
- Larry Agapay -

18. Backyard hog raising, free range chicken... Pagkain sa bawat hapag.
- Jason Mark -

19. 5 years prolong stay at riyadh....establish financial stability....get married...moving in at another country to live for good....live life to the fullest with financial freedom. and sharing knowledge on how to gain assured profit for future protection.
- Grace Galinato -

20. 1 business + farm + save montly + 2017= exit
- Nattyspliff Ruggymuffin Yush -

21. I'd like to apply my dream job being Flight attendant..=)
- Sarah Sia -

22. Siguro pag nagsawa na ako dito sa abroad pero sa isip ko may exit plan nako, pero parang gusto ko pa talagang mag work here. tho single naman ako kaya siguro ganun.
- Tao Po Ako -

23. 5yrs more then bye dxb :) :) :) 2 real estates + insurance + SSS + travel funds + Educational plan + passive income from stocks = retirement! :)
- Brenda En Mercie Perez -

24. Nasubokan ko n ang nagexit. Di umobra. Nagpatayo ako ng bahay...bumili ng truck. Pero yong income tagilid....sayang kung invest ko n lng sana sa stock market o may nameet ako na mas Maaga para turoan ako sa stock market baka noong 2004 nandon n akong namumuhay ng maayos sa pinas.
- Peter Jeronimo Rimando -

25. Exit plan: once i reach the point of going for good, i plan to live simple and invest more on my health. how? build cute and tiny house, plant more fruit bearing trees, veggies on my backyard, livestocks, poultry etc... wake up every morning and joining breakfast coffee with my love ones. I had nothing to worry about the rest, god is in control...
- Homer Soriano -

26. Same also with me.. I will spend in my little farm.......
- Gov Ej -

27. Me? Sana umobra..want to be financially stable here in Ph...finish a master degree. More investments in various financial vehicles, settle down, travel and write my own book..,dreams pa lang pero hoping IN God's grace...one day magkatotoo
- Hydee Duhaylungsod -

28. Di ako technically ofw pero lumaki ako sa pinas, siguro dito na ako til retirement, the thing with money kasi kahit gaano kalaki meron ka mas gusto mo pa mas madami kahit siguro may passive income na ako gusto ko padin magwork, til 40 siguro
- Miko Shibata -

  Though things awaits uncertain, May we always be reminded of  His promise..

Jeremiah 29:11New International Version (NIV)

¹¹ For I know the plans I have for you,” declares the Lord, “plans to prosper you and not to harm you, plans to give you hope and a future.

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My Personal Experiences and Valuable Lessons in Stock Market

     As an investor, I have my fair shares of lessons I got from stock market investment. At first, I am so excited to dive-in even with-out a clear plan. I bought stocks that were trendy or what you called "hype stocks" and  don't set my exit plan resulting to "Ipit" hehe.. Though I knew there were Blue Chips stock , still I didn't bother. From "Ipit stocks" I accumulated losses and having loss in portfolio gave me sleepless night thinking on when will it bounce back. I did cut my losses then set a new trading plan. From then, I decided to settled as Position Trader and  Long Term Investor. Using COL Investment guide and TRC SAM table , I’m on the right pace doing my investment.

    I want to share you, real life lessons that might help you and will serves as guide along your newbie phase. Featuring my fellow Smart Pinoy Group members.

     Here are some tips for you before  investing in the stocks..

 Magkaroon ng cash lagi na ready pambili! ^_^ - Gel Egipto Tenorio Barlongo –

Dapat may emergency fund. - Cris Tan –

Mag-invest lang pag may consistent cash flow. - GC Angelo Posadas Dumlao –

 Umahin ang emergency fund at insurance bago mag stocks para less emotion, deadma lang pagloss

   -  Brenda En Marcie Perez –

 Magtanong if ndi alam ,, para madadagan ang nalalaman ,, tulad q miss jorie very accurate ang GTC sobra,,- Melanie Atienza Alcazar –

Aral bago invest ...- Mary Grace Regibio Obligado –

More valuable lessons on attitude  towards investing..

 Wag magpanic :)

ako newbie , ngyayare skin pag bumaba bumibli ko tas d ko alm pababa pa pala, tapos pg nagbenta ako, bgla namang aangat ng husto at syng na syng :) patience lng tlga.. :)) so far ok na natututo tuto na ko sa mga mali ko , lalo khpon at ngaun dhl maghapon akong nakatutok hihih. cguro ok ung maglaan nang ilang araw na nakatutok sa galaw ng market para mas matuto pa :)

-Rem Francis Delica –

-

 Sabayan ang hype kung kaya mo, hahahaha - Arvin Botor –

 Lesson po..wag magyabang sa gains and then maasar pag bumaba na ang presyo, hehe..

-Sylvia Lascano –

-

 Wag mag padala sa emosyon. And be consistent. - John Nazer Ang –

 Huwag palaging silip ng silip sa port if wla ka namang buying power...hahaha..maiinis ka lang at manghihinayang if nagbaba price ng stocks na gusto mo..(ganito ako sa sobra excited everyday makita ang galaw ng presyo sa stocks ko)- Medrano Eiram –

Bago din po ako.hwag dalhin ang emotion pag sumali dito.focus sa goal.- Mingke Diwata –

Patience is a virtue! :-)- Anaid Operio –

 Walangforever po tsaka #satamangpanahon uli - Mark Lawrence Mangapit –

Pro Longterm  Investment tips on stocks..

Lessons learned,investment na longterm para masaya at peaceful ang buhay- Noddy Boy Padiernos –

Lessons on epic fail trades..

Ako naman ang mag kwento / share: bought ION for 1.88 last day... Then yesterday nag closed siya for 3.0.. So happy siempre... Kagabi excited O-H ATO sell lahat ng ION... Plan ko is to buy Davin lahat ng napagbilan kay ION...newbie eh... Nag mamadali... Kase nag closed ang Davin yesterday for 1.80... 2.50 na ang nadatnan ko price.. So bought lahat... Bahala na... Huli na ng makita ko na ang KISAME price lan pala nya is 2.70... so un 2.39 ata last trading... So PULA na cia ngyon huhuhu... Anyhow the important is I learned and i felt this way... Nakakapanghina...tsk tsk... Ganito pala dito sa Stocks investment ...

If you gain you win... If you lose you learned! - Anne Juliana C. Cruz –

 From GAIN to PAIN......OUCH..!!! nd n natuto...LOLZ - Efren Candelaria –

 Pag nakakulay green portfolio masaya tpos the next day bloody color na...mnsan kala mo mababa na pagbili mo un pala my mas mababa pa. EXPECT THE UNEXPECTED - Yncar Pinlac –

 Hindi talaga maganda na yung minimum board lot lang bilhin mo evrytime. Lugi sa fees. Until now, loss.  - Fatty Maj –

. Wala ng magawa...panay silip s port...red nman lahat kc mali ang timing ng entry/buy ko...aral aral pa more  - ChideMarie Calibo Ceniza

Decision making lessons in the stocks..

 Layout your plan before investing,& stick to them.  Don't buy/sell just because of the rumors, or just because nakita mong red. Dito nagsstart yung "bumili ako kasi red lahat ngayon.." Then the next day bababa pa pala & then you'll feel sad. Worse, by next month, an unexpected external factor caused all stock prices to fall even lower.

Kung makakabili during lows, then okay, if not, just let it pass. Always remember fluctuating and unpredictable ang market so the only thing that can be consistent is u. - newbie din  - Marvie Brojan -

The higher the loss the better., Just keep on buying, It's the good time to lower the average price for a higher return, maybe next year., hehe

-Emil Lucio Bardon -

 Lesson learned ko..wag pabigla bigla..sa sobrang excited ko noon nabili ko si tel ng 3008 per share at 25 shares..ngayon 20% loss..hindi na nakabawi.. - Mercy Digal Vedarozaga –

Lesson learned as long as meron kang Target Plan wag ka mag papanic.. Magpanic ka lang pag lumampas na ang Target Plan mo at Loss ka padin :D . Trust your Self!!!

Dagdag ko.. Better know what you want.. If investor or Trader.  kung anu mas like mo dun mo i focus study mo..pag aralan lahat ng strategy.. Im sure never ka nang mag fafailed :) - Mark Jeff Blando

Stick to my trade plan wag greedy! haha... bigti! - Seira Cyberlaw –

Takbo n habang my tubo pa hehe - Charles Calleja –

Tanim lang ng tanim..darating ang panahon na uusbong, lalago at lalaki at magbubunga ang mga pananim natin. Relax.  - Ria Gara Laroya –

I Love saving and investing. Everytime I spent something , my mind will say that this thing is equivalent to 10 shares of ALI! I dont need to buy this item. Instead buy shares of stock. Happy investing everyone lalo na sa mga kapwa ko OFW. Save save muna pag may time. Xx - Vicky Medida Timpug -

 Invest in blue chips then start studying the mid cap size company with the aid of technical and fundamental analysis one at a time - Edward Orjaliza-

 “But divide your investments among many places, for you do not know what risks might lie ahead.”

Ecclesiastes 11:2 NLT - Marlon Montero -

Above all,  this is the most valuable lessons we should learn.

Proverbs 3:13-14New King James Version (NKJV)

13 Happy is the man who finds wisdom,

And the man who gains understanding;

14 For her proceeds are better than the profits of silver,

And her gain than fine gold.

PS.1. Be a smart Stock Investor. Get Fundamental and Technical Analysis from Pinoy Investor.

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