KABAYAN! Kumusta na ang buhay mo sa abroad?


Kumusta na ang buhay mo sa abroad?

Ilang taon ka na bang nagtratrabaho?

Nabawasan na ba ang mga iniwan mong utang sa Pinas o nadagdagan pang lalo?

May naipon ka na ba sa ilang taon mong pinaghirapan o walang natitira sa kinikita mo buwan buwan?

Hanggang kailan mo balak magtrabaho dito? Pag balik mo ba sa Pinas, may maiuuwi ka bang pera para sa iyong kinabukasan? Pinaghahandaan mo ba ito?

Nasa sitwasyon ka ba na di mo alam kung paano mo aayusin ang pamamalakad ng iyong pananalapi? 0 di mo alam kung paano mo kokontrolin ang pag gastos kahit mag kanda utang ka na? O marami ka nang salapi pero di mo alam kung paano ito hawakan ng maayos?

Kabayan, kung nasa ganito kang sitwasyon, ibig kitang imbitahan sa isang LIBRENG SEMINAR TUNGKOL SA PERSONAL FINANCIAL PLANNING.

Ituturo dito ang pagkakaiba ng pagpapakahirap natin para sa pagkita ng pera sa perang nagtratrabaho o kumikita ng kusa para sa atin (working hard for the money vs money working hard for you). Ituturo din dito ang mga paraan para tayo makalaya sa paghihirap sa pananalapi (Financial Independence)

Sabi nga, pumupunta tayo sa Doktor para malaman natin ang problema o tulong para sa kalusugan, sa Abugado, kung tungkol sa Batas o sa Pari o Pastor para sa ating ispiritwal na pangangailangan. Pero sa pamamalakad ng ating pananalapi, alam ba natin kung sino ang dapat lapitan?

Eto Kaibigan ang maaaring matagal mo nang hinahanap na tulong, request ka lang ng aming  “FREE e-TICKET ” para maka attend ka sa aming libreng seminar para sa karagdagang impormasyon. LIBRE naman ito.

Bakit namin ito ginagawa?… May nag-imbita din sa amin noong una… Nakinig rin kami sa seminar na katuld nito, natuto at ginagawa na kung ano man ang aming natutuhan. At ibig rin naming ibahagi kung ano man ang natutuhan.

Sigurado akong hindi ka manghihinayang sa oras na ilalaan mo para dito.

Maraming salamat,

International Marketing Group

OFW Remittance – Spend Your Money Wisely. Invest or mag Negosyo


Become an expert in personal financial management. Budget, save and invest wisely.

Be Financially Fit! Get out of the rat race and start your journey to being Truly Rich!


The Truly Rich Makers team will conduct this seminar.

Financial Blueprint Strategies:

– The Six (6) Steps to Financial Security/Freedom

– Rule of 72 in Investing

– The X-Curve Concept:


The Blueprint of Financial Planning

– 4 major needs to complete Financial plan

– Wealth Calculator

– How Money Works and How it can Work for You

– How to Build a Solid Financial Foundation

– How to Create Millions with P1,000/month investment Creating


Multiple Passive Income Streams

– The Different Sources of Incomes (Active, Portfolio, Passive and Royalty Income)

– How to Create Multiple Passive Income Streams

– Different Investment Levels/Vehicles and Strategies

– How to Become Your Own Financial Expert/ Adviser / Coach


Increasing Cash Flow

Increasing cash flow is the first step to a Solid Financial Foundation.

Cash flow is one of the most powerful concepts in personal finance. Sadly, not too many people are truly familiar with cash flow and how essential it is to one’s finances. Once you know the concept of cash flow and know how to improve it, this will give you tremendous flexibility and open lots of opportunities.

What is cash flow?

Investopedia’s definition is…

A revenue or expense stream that changes a cash account over a given period. Cash inflows usually arise from one of three activities – financing, operations or investing – although this also occurs as a result of donations or gifts in the case of personal finance. Cash outflows result from expenses or investments. This holds true for both business and personal finance.

Cash flow is basically your earnings minus your expenses.  Knowing the two basic components of cash flow will give you an idea to where you stand financially. You know you have a poverty mindset, if your expenses are equivalent to or worse more than your income. With the materialistic world that we have today, it is no wonder that a lot of people are trapped in debt. However, if our expenses is far less than what you earn then you are on your way to FINANCIAL SECURITY.

The question now is HOW?

How do we improve/ increase our personal cash flow?

Increase Your Income

A: Earn more from your job

You can work overtime, get a promotion or ask for a raise.

1.     Earn more outside of your job

2.     Be an entrepreneur… open up a business.

Tips to starting a business

A. Find your Passion- Do what you love

B. Have a business plan – write it and seek professional help (hire a business developer expert or take a class) and do research or feasibility study

C. Start while you are employed- Income earned from employment could help augment initial operating expenses.

D. GET clients & customer first

Reduce Your Expenses

The best and easiest way to improve your cash flow is by cutting your expenses; especially ones that are recurring month-to-month.


In general, expense reduction is easier if you are keeping a budget.

Start tracking your expenses – do a journal

The key to success in expense reduction is doing all the little things that add up and trying to take one small step at a time.

Don’t try to reduce your expenses by 50% — it will never happen. You can challenge yourself to cut 1000 pesos month or a 2000 pesos a month. Once you achieve that, go for another 1000, and so forth.

To help you get started, here are some ideas on how to save money — actually, about a thousand ideas.

Overall, the best way to increase your personal cash flow is to be conscious of how much money you spend and why. Think about what you’re doing as a consumer, instead of simply reacting to impulses. You’ll see results immediately, as soon as you get serious about it.  And don’t forget to establish an emergency savings fund and contribute to it regularly.

Click The Photo To Know Me

Art Lynnete Pagatpatan

Art Lynnete Pagatpatan


We conduct FREE Financial Literacy Seminar, individually or in groups.

Contact Numbers:

+639999930315 - Smart +639178811365 - Globe +639228807291 - Sun

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