This document discusses personal finance concepts such as savings, income, consumption, cash flow, and financial literacy. It addresses the importance of saving money as an expense that buys your future. Several equations are provided that frame savings as income minus consumption. Barriers to saving are explored, including poor spending habits, lack of financial literacy, and dependency. The document emphasizes protecting one's health and taking care of others through sharing.

2.  Does anyone have a savings account?
 Does anyone earn money?
 Does anyone know if they earn interest?
 Does anyone know the current balance of your
savings accounts?

3.  SAGANA NGAYON
 GUTOM NA BUKAS

5.  CASHFLOW QUADRANT (Four ways that
money may come your way)
 Work for somebody else
 Go into business
 Work for yourself
 Make your money work for you

6. 1. Accounts payable/ INCOME Others Savings
Support for Parents, Re Insurance latives
Premiums Your Children’s Household
Education Expenses
2. 16. FACING THE REALITIES
 END UP WITH NOTHING

7. .

8. 1. Rule 1: Pay yourself first. „YOU” is your first
source of Capital
2. SAVINGS

9.  It must be defined as an EXPENSE.
 It is an
 expense that BUYS your FUTURE.

10.  Saving is a conscious and deliberate way of
setting aside a portion of the personal income.

11.  EQUATION Y- Income _
 S- Savings
 ______________________
 C – Consumption

12.  EQUATION Y- Income _
 C – Consumption
______________________
 = S - Savings

13.  PERSONAL FINANCE & FINANCIAL
LITERACY Is nothing but knowing How to keep
what YOU earn and do More with what you
Keep FINANCIAL LITERACY is understanding
how you can build your personal wealth

14.  delaying savings or putting savings off for
another time; Poor Spending Habits – includes
spending on unnecessary items; Impulse
buying; hedonistic lifestyle

15.  Being overly dependent on others Lack of
Financial Literacy – spending on liabilities or
items that decrease in value over time; not
knowing how your money will grow or work for
you. Culture of Dependency

16.  Stop spending on things that diminish in value
Know the difference between Assets &
Liabilities Poor Spending Habits – *Impulse
buying •Uso kasi •Too much entertainment

17.  Know the difference Your Your
NEEDS WANTS

18.  Protect your greatest Income Generating
Asset, Yourself ALERT #1 Health is Wealth
Health and Protection are very much
interrelated. If you are not healthy and you do
not take care of

19.  “I do not have enough money” “I do not
have good enough ideas” Distrust of people
– “mandaraya silang lahat” Fear of failure

20.  Learning to say NO! is part of
Discipline In good or bad times,
Never give up! Remember,
Winning is a habit Make it yours!

21. 1. THE IMPORTANCE OF
SHARING Walang sino man
ay nabubuhay para sa sarili
lamang. Tayong lahat ay may
pananagutan sa isa’t isa.
Sharing always brings more
blessings

22.  You have not lived a perfect day,
even though you have earned
your money, unless you have
done something for someone
who will never be able to repay
you” -Ruth Smeltzer

23.  Thank you and God Bless Keep safe everyone