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.

International Marketing Group – In IMG, No Family is Left Behind!

IMG International Marketing Group Truly Rich Makers Club Bo Sanchez Manila Laguna Philippines

IMG International Marketing Group – Truly Rich Makers Club Philippines

Who We Are:

International Marketing Group is one of the few companies of its kind in the industry today – a marketing company that is dedicated to serving the financial needs of individuals and families from all walks of life. International Marketing Group’s independent associates do not just work with clients who have large amounts of discretionary income – instead they work with everyday people helping them make critical financial decisions that help move them from where they are to where they want to be. IMG is one of the biggest and fastest growing financial distribution companies in the US, Canada, Taiwan, Hongkong, Philippines and going worldwide.

IMG has established agreements with many of the world’s leading financial services companies to provide us a broad array of financial products & services. IMG will help you comply accreditation and licensing requirement of all its Product Provider Companies. Multiple companies (Multiple products) will help you get the best product…Best service … Highest Rate Of Return…. Diversify investments, etc.

What We Do:

Helping You Move from Dreaming to Doing. In the busy day-to-day hustle of life many people are too busy to stop, step back and focus on their dreams. They keep moving forward without a vision as to where they want to go. IMG knows that you can’t stuff a great life into a small dream. That’s why we help people make decisions about what they want out of life. We help people think outside the box and let them know that they have choices about where they’re going. A dream is as personal and different as the individual dreaming it. What makes one person happy may not be what another person is seeking in life. A dream can be:

Living a comfortable lifestyle
Retiring early
Traveling to exotic destinations
Owning a dream home
Owning a luxury car
Making a difference in you local community by supporting causes
Having financial security by building a recurring revenue stream
Building your own business
Spending more time with family and friends
But dreams can only become reality if you have the freedom and the means to accomplish them. We help put people back on track to their dreams by:

Helping families plan for their financial futures
Offering people a life-changing career opportunity
At IMG, we’re committed to helping our clients and associates realize their dreams.

What We Believe in?

“If only I had a chance…”

How many times have you heard these words spoken by a friend or family member or uttered them from your own lips? The “what ifs” and “if only” can plague a person’s psyche, focusing them on the rearview of regret rather than the possibilities of tomorrow. At International Marketing Group, giving people a chance is what we stand for. Whether you are a client interested in planning more effectively for your family’s financial future or an entrepreneur interested in starting your own business with a solid company, IMG believes in providing a path to help you realize your dreams.

What makes us different?

IMG is one of the few companies of its kind in the industry today – a company dedicated to serving the financial needs of individuals and families who are typically overlooked by the financial services industry. IMG recognizes the need for widespread financial education, particularly among middle-income individuals and families who could readily benefit from exposure to the latest financial concepts and solutions. Unlike many companies that target only wealthy clients, IMG is dedicated to teaching everyday people how to plan their financial futures and work toward their goals no matter what their income. Driven by its mission to help people around the world achieve financial independence, International Marketing Group and its thousands of associates in the United States and Canada introduce simple financial concepts to help clients understand how to put their money to work more effectively to move toward their goals. While many other financial services companies have a “one size fits all” attitude with little or no product choice, International Marketing Group advocates the power of choice.

IMG has agreements with several of the leading companies in the financial services and insurance industries allowing associates to offer clients a wide array of products and services to choose from so they can find the ones that best fit their needs. And as clients’ needs change, IMG’s diverse product selection can grow with them.


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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