Making Sure Budget Plans Work

The pandemic has taught us a lot about how good financial management remain as a valuable skill not just for personal survival, but giving ease to the lives of your family - the closest people for you. We determine budget plans early on, with proper forecasting you get to have peace of mind yes, but in rare occasions, we all struggle. When one gets sick, incapacitated, restrictions happen and people lose their jobs, when businesses decide to close shop, these are emergencies nobody gets prepared for so it is wise you get to evaluate your budgets regularly and learn to properly make adjustments when the need arise.

Managing Finances Effectively

You need a good bank, know where you are putting savings, things for investments, for entertainment (because you deserve that too) and an emergency fund (when the unimaginable happens).


Allocate Appropriately

I always make it a point to have funds directed to a specific goal. A huge chunk of course goes to bills, food and shelter (about 50%), 10 percent goes to entertainment (if you want to go to a vacation, buy something for yourself or your loved one you need to set aside something for this purpose), then 25% goes to investments (if you prefer digital currency, bank deposits, stock market, insurance premiums or money market you need to do this early on). 15% goes to emergency fund so in times you wouldn't be able to work or pay for medical bills if you or your family gets hospitalized, you have this to get funds from. There are a lot of other things to consider and customize these rates, you need to weigh what works for you and stick to it. If you need to adjust, go ahead and make that play. You need to be a little aggressive in making sure your budget works for you.

Monitor Your Investments

Since a huge part of your funds go to investments, you need to have this checked a few minutes a day. Make smart choices if you are looking for short term ones, relax on the long term goals. You don't need to watch lines go up and down and spend hours for it, so only do it when times are volatile, and be aggressive if you have the money to do it with. Familiarize yourself with the market and slowly make your way to grow your funds. You also have to find one that fits your lifestyle. If you want to delve into business, or become an entrepreneur, pick up  a loan with easy payment terms and lower interest rates because a lot of it is out there. 

Manage Your Debt Wisely

Loans, credit card bills are of course part of the game. If you've got a lot of these, consider plans to pay more than the minimum monthly payments to reach your goal of zero debt. You can schedule payments for some purchases for ease of doing business and everyday transactions. Know when interest rates would be okay for you or not. See if you are going to benefit in the long run because remember, some loans and credits are not taxable and if you pay them earlier, it won't be too painful to see where your funds go. Give debt consolidation a try so it would also be manageable to pay for things. If you want information on that, click here.

These are what I do now in order to manage funds, if you've got one that serves the purpose, follow your own strategy and adjust when you see the need to. The market isn't constant just like change, think of more ways to grow your money and see if your budget plans work today.

BEKO Sale at the Megatrade Exhibit Hall On May 22

If you're looking for big savings, this is the time to choose Beko over at the SM Megamall Megatrade Hall this May in Mandaluyong City. Imagine getting a whopping 23 percent off usual price of Beko appliances, loved in the EU and is now available in the Philippines.

This means if you're looking for Freezers, Stand Alone Cookers, Ovens, Refrigerators, you can get them at discounted prices only til then. The fridge freezers have HarvestFresh tech that keeps all your veggies fresh. Beko’s crisper drawer technology uses a three-color light system so your fresh produce feels like it's still growing in the garden, making it last longer, who wouldn't love that. 

This would make your meals a lot healthy, as you get the vitamins and minerals in an even better state, Beko Cookers and Ovens on the other hand are at the 20-23 percent discount mark so if you are a home entrepreneur or just like a few more burners (or elextric cookers) on your stove, they've got that all.

Gurhan Gunal the Country Manager of Beko says "We love seeing our products being enjoyed by Filipino families and we are commited to have more of these benefit our patrons while having the environment safe, in a better state for future generations to come."

These are available in large appliance centers and they plan to expand to more areas very soon. So if you are in the lookout for more of these products, make sure to try a Beko!

Jane De Leon is the New Santé Barley Daily-C Endorser

She’s flying, she’s going places, Jane De Leon is the new brand ambassador for Santé Barley Daily-C. Joey Marcelo of Santé says “Jane was chosen as she embodies Santé in these times, a kind and compassionate woman much like the hard working unsung heroes during the pandemic.”

For those who don’t know, Daily-C is sodium ascorbate that is easy on the tummy and safe for daily use. Santé Barley on the other hand is Barley Grass, their premier product available in capsule and powder form. It is full of vitamins and minerals, antioxidants, to help boost your immune system so you don’t easily get sick. 

Jane says “If we want to help other people, we need to make sure that we too are healthy. I am thankful to have been designated as Santé Barley and Daily C ambassador, of which I hope to influence more Filipinos to take care of themself and their families.”

Santé also introduced the Lopez family, their first family brand ambassadors. They will be showcasing them in different ad and publicity materials for Santé products soon.

Kuya Kim Atienza was also there to tell the audience about the reason why underwears were usually outside their costumes. Smart guy!

Jane adds "I need to be emotionally and physically prepared to help other people. I have tried the product and it's not acidic, really great and I needed this for work."

If you want to know more about their products, you may visit their official website mysante.com.

A Dose of Love and Laughter in New Web Series "Ming ♥ Tomas"

People are still looking for that one emotional fix, to get a dose of love and laughter into their homes especially when times are hard. Romcoms have certainly been a hit in the movies, it makes you smile automatically when you think of that one special romantic moment in your life... and this is where Mang Tomas is banking on. They call it Ming ♥ Tomas.

They sought one of the most notable artists to create posters in hopes to combine all the feels that Mang Tomas All Around Sarsa brings, and Justin Besana delivered. They also took actors that give authenticity, and put to life characters that men and women would relate to no matter what age group they belong to.

Ming ♥ Tomas is a story of two people, one's sweet and lovely, the other is macho and hardworking. Though they have different lives, the stars have aligned and brought them hope, a connection that complemented the meal they had in the course of taking their relationship, love into another level they never thought would come true. Picking the right person wasn't really easy, at the end of the day, it wasn't just about putting your best foot forward... and showing a deeper reason to every quirky moment you've experienced and dream of forever.

 

You can watch the episodes on the Mang Tomas Facebook page, and the official NutriAsia YouTube channel. You can now enjoy episodes "AngMANGhuhula" and "Ang GANAduo" and feel all the kilig it brings. This series is created by award winning directors Chris Cahilig and Joel Ferrer, shot entirely on mobile phones with help from mobile videographer Tristan Cua. You can also win #MachoGanado gift packs if you answer the simple question at the end of the episodes. Go enjoy it at home just like I did. 

You may follow their social channels to know more about it.