1. +
No Stress Personal Finance
Guita T. Gopalan
March 20, 2013

2. +
Where stress comes from:
 Having
no control over your surroundings
and the outcome of your actions
 Real
OR Imagined
 Fear
 Lack
of self trust, belief, confidence
 Ignorance – lack of knowledge
 Lack of skill – don’t know how to do things
www.guitagopalan.com
Guita Gopalan
@guitagopalan

3. +
REALITY

One does not have complete control
over everything.
 controlling what we can control
 mitigate what we cannot control
www.guitagopalan.com
Guita Gopalan
@guitagopalan

4. +
Be GOOD
Grow Out Of Debt
www.guitagopalan.com
Guita Gopalan
@guitagopalan

5. Just like PACMan,
no matter how many
coins and fruits
you collect…
The ghosts are
coming to get you…
And eventually,
they will.
www.guitagopalan.com
Guita Gopalan
@guitagopalan

6. +
GOOD Tip #1
Stop borrowing to buy things
that decline in value!
www.guitagopalan.com
Guita Gopalan
@guitagopalan

7. +
GOOD Tip #2
Eliminate and reduce expenses!
www.guitagopalan.com
Guita Gopalan
@guitagopalan

8. +
GOOD Tip #3
Pay more than the minimum!
www.guitagopalan.com
Guita Gopalan
@guitagopalan

9. +
Live by a financial plan!
www.guitagopalan.com
Guita Gopalan
@guitagopalan

10. What is a
+ financial
plan?
www.guitagopalan.com
Guita Gopalan
@guitagopalan

11. www.guitagopalan.com
Guita Gopalan
@guitagopalan

12. +
Ideal Income Allocation
Savings – Protection
Investments – Growth
Expenses – Housing Loan
Expenses – Consumer Loan
Regular & Lifestyle Expenses
- Tithing
- Generosity/Giving
www.guitagopalan.com
Guita Gopalan
@guitagopalan

13. +
Use what was once for paying off debt
To build your wealth
Instead of spending it on luxuries.
www.guitagopalan.com
Guita Gopalan
@guitagopalan

14. +
Financial Planning Tips
1.
Make a Budget. Be Faithful to it.
2.
Follow your money. List every centavo
in and out of your pocket.
3.
Identify where you want to go…what
you want to achieve.
www.guitagopalan.com
Guita Gopalan
@guitagopalan

15. +
Save, Protect & Grow
www.guitagopalan.com
Guita Gopalan
@guitagopalan

16. +
Savings


1st source of capital for
wealth generation
Pay Yourself First!

17. Protection
Life Goals
Retirement
Purpose Driven – End in Mind
www.guitagopalan.com
Guita Gopalan
@guitagopalan

18. +
How much?
Identify the amount you need!
Present Value of Goal
Php500,000
x
x
Time Value of Money
5 years (5%)
=
=
Future Value of Goal
Php638,150
(adjust for inflation)
www.guitagopalan.com
Guita Gopalan
@guitagopalan

19. +
Match Up

Goal – Instrument – Strategy

PUZZLE
www.guitagopalan.com
Guita Gopalan
@guitagopalan

20. +
We may not know which way the wind blows…
But we can always adjust our sails.
www.guitagopalan.com
Guita Gopalan
@guitagopalan

21. THANK YOU
w w w. g u i t a g o p a l a n . c o m
GuitaTGopalan
@guitagopalan
Guita Gopalan
admin@guitagopalan.com