The FINANCIAL PLANNER remittance investment advocacy program publication is an initiative under the European Commission/AENEAS; an IOM funded project on improving knowledge of remittance corridors and enhancing development through inter regional dialogue and pilot projects in South-East Asia and Europe.

2. IOM is committed to the principle that humane and orderly migration
benefits migrants and society.As an intergovernmental organization,
IOM acts with its partners in the international community to: assist in
meeting the operational challenges of migrations; advance
understanding of migration issues; encourage social and economic
development through migration; and uphold the human dignity and
well-being of migrants.
This publication has been produced under the European Commission/
AENEAS – funded IOM project on Improving Knowledge of
Remittance Corridors and Enhancing Development through Inter-
Regional Dialogue and Pilot Projects in South-EastAsia and Europe
(special focus on the Philippines and Indonesia)
Opinions and interpretations expressed in this publication
do not necessarily reflect the views of the IOM, its member states and
the European Union.
Publisher:
International Organization for Migration (Philippines)
25th
Floor, Citibank Tower Condominium
8741 Paseo De Roxas
Makati City 1226
Philippines
Tel: +63.2.848 12 60 to 65
Fax: +63.2.848 12 57
Email:mrfmanila@iom.int
Internet:http://www.iom.int
© 2009 International Organization for Migration (IOM)
All rights reserved. No part of this publication may be reproduced,
stored in retrieval system, or transmitted in any form or by any means,
electronic, mechanical, photocopying, recording or otherwise without
the prior written permission of the publisher.
Layout and Design
Enrique C. Naval
Printed in the Philippines
Regan Printers Inc.
49 Daanghari, Navotas City

3. The world over, millions of individuals travel abroad to secure better
jobs with an aim to improve the quality of life for the families they
leave behind. These migrant workers often remit a substantial portion
of their earnings to their families for their educational, health, personal
and other financial needs. These remittances possess a significant
development potential in countries of origin, including the Philippines,
as they contribute to a significant part of the country’s economic growth.
In recent years the volume of annual remittances flows to the Philippines
equate to 8% to 10% of GDP.
However, as remittances are private funds, their use, and their ultimate
impact on social and economic development at the individual and
national levels is at the discretion of the remitters and their households.
While many migrants have developed skills to manage their finance to
maximize profit for thier families, many others are in great need of
assistance in this area.
To address this need, the International Organization for Migration
(IOM), with the support of the European Commission (EC), is focused
on supporting migrant workers in the area of improving financial
literacy. The aim of the IOM initiative is to assist migrants in
managing their finances for the best benefit of their families and home
countries. To achieve this, the IOM together with the Government of
the Philippines and other partners developed financial planning and
information tools targeting migrants and their families. This financial
planner is developed as part of this effort and is disseminated through
the organization of financial literacy workshops and other training
activities.
Foreword

4. Contents
Introduction ................................................................................3
Budgeting Sheet for OFW & Family ..........................................4
Monthly Budget Model
Yearly Budget Model
Budgeting Sheet for Seafarer & Family .......................................6
Monthly Budget Model
Yearly Budget Model
The Dream Map ........................................................................8
Saving for Investment ..................................................................9
Saving for Retirement ...............................................................10
Table of Values .......................................................................11
Future Value - Inflation Rate
Factor Value: How Much to Save Every Year
Expenditure Monitor................................................................13
Monthly for 12 months
Quarterly for 4 quarters
Yearly
Family Balance Sheet ................................................................19
Property Acquisition Plan ........................................................20
Social Insurance and Pre-Need Plans ........................................21
Savings and Investment Portfolio ...............................................22
“Handa Ka bang Magnegosyo” .................................................23

5. Introduction
The International Organization for Migration and ATIKHA, in
partnership with the Philippines Department of Labor and Employment’s
(DOLE) Overseas Workers Welfare Administration (OWWA),
National Reintegration Center for Overseas Filipino Workers (NRCO),
and the Bangko Sentral ng Pilipinas, developed this financial planner
as a tool to assist migrant workers in managing their budget and
remittances within a framework of wise-spending, savings and investment.
This tool has been a product of consultation and research that identified
value system and socio-cultural challenges that influence the spending,
saving and investment habits of migrants and their families. The financial
planner aims to aid migrant workers in translating their dreams to actions
and making them come true.
This planner features a number of tools discussed in the Training Manual
on financial literacy developed by ATIKHA in partnership with the
Philippine government. They include tools that guide the budgeting process,
planning for retirement and savings and entrepreneurial undertaking. It
also features complementary and alternative instruments developed by the
IOM intended to help monitor cash flows, property acquisition, investment
portfolios, and overall financial standing.
Its features include monthly and yearly budget sheets which will help monitor
the day to day expenses. Also included are monthly cash flow statements
which should help migrants monitor “money-in and money-out”. But
perhaps of greatest interest in the planner is the Dream Map; this tool
helps visualize and plan how one’s dreams can be translated to financial
objectives.
It is the hope of all involved that the use of this planner will help
develop sound financial planning habits among OFWs and their families
and help them reach their personal goals in a manner that better harness
the overall development potential of remittances.

6. FINANCIAL PLANNER
Budgeting Sheet for OFW & Family*
In most Filipino households there is the penchant to pay-off debts, expenditures as cash comes along without prior budgeting.
It is also said migrants have become a major player in the growth of consumption spending; while not negative, indiscriminate
spending can lead to important dreams or goals deferred. This tool introduces its users to an organized approach in monitoring
their income flows as well as their maturing obligations and financial necessities.
1. Determine the income you receive monthly as salary, then determine the amount of income the family
receives. If the family does not receive a remittance on a monthly basis, then compute how much
remittance they get on a monthly basis as converted into pesos. ALL AMOUNTS ARE IN PESOS
2. Notice that columns are labeled accordingly. You are guided to perform simple arithmetic in reference
to the items in each column.
3. There are 2 budget sheets; 1 (landbased) and 2 (seafarer), both sheets can be used for families with
mixed situations.
4. Remember the lecture on the budget sheets at the training.
5. Fill in the right boxes with right amounts. Remember to read, read, and read before writing things down!
6. Use your handy calculator to compute for the values.
7. Plan your expenses with this data, and don’t forget to look back at your budget!
INSTRUCTIONS
Monthly Salary of OFW
[A]
Monthly Income of Family in the
Philippines (Pesos) [B]
MonthlyRemittancefromOFW
Philippine Peso [C]
TOTALMonthly Income
[D=C+B]
Monthly Expenses of OFW (Philippine Peso) Monthly Expenses of Family (Pesos)
Item Amount Item
Payment for life insurance, pension and
other insurance, SSS, Pag-ibig [G.1]
Amount
Payment for life insurance, pension and
other insurance,SSS, Pag-ibig [E.1]
Payment for other investment [G.2] Payment for other investment [E.2]
Food Food
Clothing Clothing
House Rent Utilities(Water,Electricity,Phone,etc.)
Transportation Rent (House/Apartment)
Communication Education
Leisure Transportation
Others Leisure
Others(DebtPayments,Installments,etc.)
Total Monthly Expenses of OFW [G] Total Monthly Expenses of the Family [E]
Monthly Savings of the OFW [H=A-C-G] Monthly Savings of the Family [F=D-E]
Total Monthly Savings of the OFW and the Family [I=H+F]
Annual Saving [J=Ix12 months]
Monthly
Introduction to Budget Sheets
ANNUAL SAVINGS AND INVESTMENT [K = (E.1+E.2+H.1+H.2) X 12 months +J ]
* Developed by ATIKHA
4

7. FINANCIAL PLANNER
YEARLY Salary of OFW
[A]
YEARLY Income of Family in the
Philippines (Pesos) [B]
YEARLYRemittancefromOFW
Philippine Peso [C]
TOTALYearly Income
[D=C+B]
Yearly Expenses of OFW (Philippine Peso) Yearly Expenses of Family (Pesos)
Item Amount Item
TOTALPayment for life
insurance, pension and other
insurance, SSS, Pag-ibig [G.1]
Amount
TOTALPayment for life
insurance, pension and other
insurance, SSS, Pag-ibig [E.1]
TOTALPayment
for other investment [G.2]
TOTALPayment for other
investment [E.2]
TOTAL FoodTOTAL Food
TOTAL Clothing TOTAL Clothing
TOTALTransportation
TOTALCommunication
TOTALOthers (Debt Payments,
Installments,etc.)
Total Yearly Expenses
of OFW [G]
ANNUAL SAVINGS AND INVESTMENT [J = E.1+E.2+H.1+H.2 +G ]
Year One
TOTAL House Rent
TOTALUtilities(Water,Electricity,
Phone, etc.)
TOTAL Rent
(House/Apartment)
TOTALEducation
TOTAL Leisure TOTALTransportation
TOTALOthers TOTAL Leisure
Total Yearly Expenses
of the Family [E]
Yearly Savings of the OFW
[H=A-C-G]
Yearly Savings of the Family
[F=D-E]
Total Annual Savings of the OFW and the Family [I=H+F]
Budgeting Sheet for OFW & Family
5

8. FINANCIAL PLANNER
Monthly Salary of Seafarer
(Dollars) [A]
Monthly Income of Family in the
Philippines (Pesos) [B]
Monthly Allotment from the
Seafarer Philippine Peso [C]
TOTALMonthly Income
[D=C+B]
Monthly Expenses of the Seafarer (Philippine Peso) Monthly Expenses of Family (Pesos)
Item Amount Item
Payment for life insurance,
pension and other insurance,
SSS, Pag-ibig [H.1]
Amount
Payment for life insurance,
pension and other insurance,
SSS, Pag-ibig [E.1]
Payment for other investment
[H.2]
Payment for other investment
[E.2]
FoodFood
Clothing Clothing
Transportation
Communication
Others (Debt Payments,
Installments, etc.)
Vacation Buffer Fund
(2x Total Monthly Expenses
of the Family [K=2xE+M]
Monthly
House Rent
Utilities(Water,Electricity,
Phone, etc.)
Rent (House/Apartment)
Education
Leisure Transportation
Others Leisure
Total Monthly Expenses
of the Seafarer [H]
Total Monthly Savings of the
Seafarer and the Family
[G=I+F]
10-Months Savings of the
Seafarer and the Family
[J=Gx10]
NET ANNUAL SAVINGS [L=J-K]
Budgeting Sheet for Seafarer & Family*
Total Monthly Expenses
of the Family [E]
Monthly Savings of the Seafarer
[I=A-C-H]
Monthly Savings
of the Family [F=D-E]
QUESTION: Given your net
annual savings (L), how much
will you set aside for your own
Seafarer’s Upgrading
Education Fund? =M
ANNUAL SAVINGS AND INVESTMENT [N = (E.1+E.2+H.1+H.2) X 12 months +L ]
* Developed by ATIKHA
6

9. FINANCIAL PLANNER
YEARLY Salary of Seafarer
(Dollars) [A]
YEARLY Income of Family in the
Philippines (Pesos) [B]
YEARLY Allotment from the
Seafarer Philippine Peso [C]
TOTALYearly Income
[D=C+B]
YEARLY Expenses of the Seafarer (Philippine Peso) YEARLY Expenses of Family (Pesos)
Item Amount Item
TOTALPayment for life
insurance, pension and other
insurance, SSS, Pag-ibig [H.1]
Amount
TOTALPayment for life
insurance, pension and other
insurance, SSS, Pag-ibig [E.1]
TOTALPayment for other
investment [H.2]
TOTALPayment for other
investment [E.2]
TOTAL FoodTOTAL Food
TOTALClothing TOTALClothing
TOTALTransportation
TOTALCommunication
TOTALOthers (Debt Payments,
Installments,etc.)
Year One
TOTALHouse Rent
TOTALUtilities(Water,
Electricity, Phone, etc.)
TOTAL Rent
(House/Apartment)
TOTALEducation
TOTAL Leisure TOTALTransportation
TOTALOthers TOTAL Leisure
TotalYEARLYExpenses
of the Seafarer [H]
Total YEARLY Savings of the
Seafarer and the Family
[G=I+F]
Vacation Buffer Fund
(2x Total Monthly Expenses
of the Family [J=2xE+L]
NET ANNUAL SAVINGS [K=G-J]
Budgeting Sheet for Seafarer & Family
TotalYEARLYExpenses
of the Family [E]
YEARLYSavings of the
Seafarer [I=A-C-H]
YEARLY Savings
of the Family [F=D-E]
QUESTION: Given your net
annual savings (K), how much
will you set aside for your own
Seafarer’s Upgrading
Education Fund? =L
TOTAL ANNUAL SAVINGS AND INVESTMENT [M = E.1+E.2+H.1+H.2 +K]
7

10. FINANCIAL PLANNER
Year 10
Year 8
Year 5
Year 3
Year 1
Financial Goals
Below you will see the Dream Map. Like a road map, it will help you visualize your dreams and allow you to translate them into
measurable financial objectives. So start drawing and reach for those dreams!
1. Make a drawing/diagram of how you see yourself (and your loved ones) 5 years from now
(use the diagram below as a template).
2. Be as creative or as simple as you want
3. Put a price on each item in your individual drawings.
4. You have just set your Life Goals into financial objectives.
Family Goals
Name: _________________________
Signature:______________________
Date: __________________________
INSTRUCTIONS
Introduction to the Dream Map
The Dream Map*
* Developed by ATIKHA
8

11. FINANCIAL PLANNER
Planning to settle down somewhere? Or maybe you are aiming to invest in a new business? Then it’s best to plan out that
future with the Savings for Investment and Retirement Sheet. The two sheets will help you plan out how much how much you
will eventually earn and you need to save . So plan away!
1. Read the inputs in the boxes carefully and understand the example before writing anything!
2. Input the necessary amounts and figures; when told to, refer to the table of future values
or table of how much to save.
3. Follow the instructions carefully.
4. After all the computations, you should arrive at how much you need to save to invest or to retire!
INSTRUCTIONS
Introduction to Savings for Investment and Retirement
Saving for Investment*
SAMPLE
COMPUTATION
Total Amount of Investment Required
(Capital Required for Business, House and Lot
and other Planned Investment)
PHP 1,000,000.00
Number of Years to Save
EARNING RATE OF INVESTMENTS
(Depending on the Earning Rate of your Investments)
FACTOR TO BE USED TO DIVIDE
(Refer to TABLE 2: How Much to Save Every Year;
Earning Rate and Number of Years to Build
your Savings for Investment)
REQUIRED YEARLY SAVINGS
(Total Amount of Investment Required
divided by Factor Derived from TABLE 2)
Divided by 12
REQUIRED MONTHLY SAVINGS
(Required yearly savings divided by 12)
5 years
7%
5.7507
PHP 173,891.87
÷ 12
PHP 14,490.99
* Developed by ATIKHA
9

12. FINANCIAL PLANNER
Your Age now
Number of Year to Build Retirement
(Retirement age less your age now)
INFLATION RATE ESTIMATE
Gross Monthly Income Designed During Retirement
Subtract Current and Future Income
Derived from Existing Investments
Total Amount Needed During Retirement
Multiplied
Factor to be Used
(Refer to Table 1: Future Values; 5%
and Number of Years to Build Retirement)
Monthly Salary Upon Retirement
Multiplied by number or months in one year
Yearly Salary Upon Retirement
Divide
EARNING RATE DURING RETIREMENT
(Depending on the Earning Rate of your Investment)
TARGET EARNING ASSET
(1 year salary upon retirement
divided by earning rate during retirement)
FACTOR TO BE USED TO DIVIDE
(Refer to TABLE 2: How Much to Save Every Year;
earning rate and number of years to build retirement)
REQUIRED YEARLY SAVINGS
(Target earning asset divided by Factor
Derived from Table 2)
Divided by
REQUIRED MONTHLY SAVINGS
(Required yearly savings divided by 12)
40
20
5%
PHP 25,000.00
PHP 5,000.00
PHP 20,000.00
x
2.6533
PHP 53,066.00
x 12
PHP 636,792.00
÷
12%
PHP 5,306,600.00
72.052
PHP 73,649.59
÷ 12
PHP 6,137.47
Saving for Retirement*
SAMPLE
COMPUTATION
*Developed by the Colayco Foundation
10

13. FINANCIAL PLANNER
Table 1: Future Value
1%2%3%4%5%6%7%8%9%10%12%14%15%16%18%20%
1.01001.02001.03001.04001.05001.06001.07001.08001.09001.10001.12001.14001.15001.16001.18001.2000
1.02011.04041.06091.08161.10251.12361.14491.16641.18811.21001.25441.29961.32251.34561.39241.4400
1.03031.06121.09271.12491.15761.19101.22501.25971.29501.33101.40491.48151.52091.56091.64301.7280
1.04061.08241.12551.16991.21551.26251.31081.36051.41161.46411.57351.68901.74901.81061.93882.0736
1.05101.10411.15931.21671.27631.33821.40261.46931.53861.61051.76231.92542.01142.10032.28782.4883
1.06151.12621.19411.26531.34011.41851.50071.58691.67711.77161.97382.19502.31312.43642.69962.9860
1.07211.14871.22991.31591.40711.50361.60581.71381.82801.94872.21072.50232.66002.82623.18553.5832
1.08291.17171.26681.36861.47751.59381.71821.85091.99262.14362.47602.85263.05903.27843.75894.2998
1.09371.19511.30481.42331.55131.68951.83851.99902.17192.35792.77313.25193.51793.80304.43555.1598
1.10461.21901.34391.48021.62891.79081.96722.15892.36742.59373.10583.70724.04564.41145.23386.1917
1.11571.24341.38421.53951.71031.89832.10492.33162.58042.85313.47864.22624.65245.11736.17597.4301
1.12681.26821.42581.60101.79592.01222.25222.51822.81273.13843.89604.81795.35035.93607.28768.9161
1.13811.29361.46851.66511.88572.13292.40982.71963.06583.45234.36355.49246.15286.88588.599410.699
1.14951.31951.51261.73171.97992.26092.57852.93723.34173.79754.88716.26147.07577.987510.14712.839
1.16101.34591.55801.80092.07892.39662.75903.17223.64254.17725.47367.13798.13719.265511.97415.407
1.17261.37281.60471.87302.18292.54042.95223.42593.97034.59506.13048.13739.357610.74814.12918.488
1.18431.40021.65281.94792.29202.69283.15883.70004.32765.05456.86609.276510.76112.46816.67222.186
1.19611.42821.70242.02582.40662.85433.37993.99604.71715.55997.690010.57512.37514.46319.67326.623
1.20811.45681.75352.10692.52703.02563.61654.31575.14176.11598.612812.05614.23216.77723.21431.948
1.22021.48591.80612.19112.65333.20713.86974.66105.60446.72759.646313.74316.36719.46127.39338.338
1.23241.51571.86032.27882.78603.39964.14065.03386.10887.400310.80415.66818.82222.57432.23446.005
1.24471.54601.91612.36992.92533.60354.43045.43656.65868.140312.10017.86121.64526.18638.14255.206
1.25721.57691.97362.46473.07153.81984.74055.87157.25798.954313.55220.36224.89130.37645.00866.247
1.26971.60842.03282.56333.22514.04895.07246.34127.91119.849715.17923.21228.62535.23653.10979.497
1.28241.64062.09382.66583.38644.29195.42746.84858.623110.83517.00026.46232.91940.87462.66995.396
1.29531.67342.15662.77253.55574.54945.80747.39649.399211.91819.04030.16737.85747.41473.949114.48
1.30821.70692.22132.88343.73354.82236.21397.988110.24513.11021.32534.39043.53555.00087.260137.37
1.32131.74102.28792.99873.92015.11176.64888.627111.16714.42123.88439.20550.06663.800102.97164.84
1.33451.77582.35663.11874.11615.41847.11439.317312.17215.86326.75044.69357.57574.009121.50197.81
1.34781.81142.42733.24344.32195.74357.612310.06313.26817.44929.96050.95066.21285.850143.37237.38
1.41661.99992.81393.94615.51607.686110.67714.78520.41428.10252.80098.100133.18180.31328.00590.67
1.48892.20803.26204.80107.040010.28614.97421.72531.40945.25993.051188.88267.86378.72750.381,469.8
1.56482.43793.78165.84128.985013.76521.00231.92048.32772.890163.99363.68538.77795.441,716.73,657.3
1.64462.69164.38397.106711.46718.42029.45746.90274.358117.39280.00700.231,083.71,670.73,927.49,100.4
1.72852.97175.08218.646414.63624.65041.31568.914114.41189.06509.321,348.22,179.63,509.18,984.822.645
1.81673.28105.891610.52018.67932.98857.946101.26176.03304.48897.602,595.94,384.07,370.220,55556,348
Period
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
35
40
45
50
55
60
InflationRate
11

14. FINANCIAL PLANNER
Table 2: How Much to Save Every Year
1%2%3%4%5%6%7%8%9%10%12%14%15%16%18%20%
1.00001.00001.00001.00001.00001.00001.00001.00001.00001.00001.00001.00001.00001.00001.00001.0000
2.01002.02002.03002.04002.05002.06002.07002.08002.09002.10002.12002.14002.15002.16002.18002.2000
3.03013.06043.09093.12163.15253.18363.21493.24643.27813.31003.37443.43963.47253.50563.57243.6400
4.06044.12164.18364.24654.31014.37464.43994.50614.57314.64104.77934.92114.99345.06655.21545.3680
5.10105.20405.30915.41635.52565.63715.75075.86665.98476.10516.35286.61016.74246.87717.15427.4416
6.15206.30816.46846.63306.80196.97537.15337.33597.52337.71568.11528.53558.75378.97759.44209.9299
7.21357.43437.66257.89838.14208.39388.65408.92289.20049.487210.08910.73111.06711.41412.14212.916
8.28578.58308.89239.21429.54919.897510.26010.63711.02811.43612.30013.23313.72714.42015.32716.499
9.36859.754610.15910.58311.02711.49111.97812.48813.02113.57914.77616.08516.78617.51919.08620.799
10.46210.95011.46412.00612.57813.18113.81614.48715.19315.93717.54919.33720.30421.32123.52125.959
11.56712.16912.80813.48614.20714.97215.78416.64517.56018.53120.65523.04524.34925.73328.75532.150
12.68313.41214.19215.02615.91716.87017.88818.97720.14121.38424.13327.27129.00230.85034.93139.581
13.80914.68015.61816.62717.71318.88220.14121.49522.95324.52328.02932.08934.35236.78642.21948.497
14.94715.97417.08618.29219.59921.01522.55024.21526.01927.97532.39337.58140.50543.67250.81859.196
16.09717.29318.59920.02421.57923.27625.12927.15229.36131.77237.28043.84247.58051.66060.96572.035
17.25818.63920.15721.82523.65825.67327.88830.32433.00335.95042.75350.98055.71760.92572.93987.442
18.43020.01221.76223.69825.84028.21330.84033.75036.97440.54548.88459.11865.07571.67387.068105.93
19.61521.41223.41425.64528.13230.90633.99937.45041.30145.59955.75068.39475.83684.141103.74128.12
20.81122.84115.11727.67130.53933.76037.37941.44646.01851.15963.44078.96988.21298.603123.41154.74
22.01924.29726.87029.77833.06636.78640.99645.76251.16057.72572.05291.025102.44115.38146.63186.69
23.23925.78328.67631.96935.71939.99344.86550.42356.76564.00381.699104.77118.81134.84174.02225.03
24.47227.29930.53734.24838.50543.39249.00655.45762.87371.40392.503120.44137.63157.42206.34271.03
25.71628.84532.45336.61841.43046.99653.43660.89369.53279.543104.60138.30159.28183.60244.49326.24
26.97330.42234.42639.08344.50250.81658.17766.76576.79088.497118.16158.66184.17213.98289.49392.48
28.24332.03036.45941.64647.72754.86563.24973.10684.70198.347133.33181.87212.79249.21342.60471.98
29.52633.67138.55344.31251.11359.15668.67679.95493.324109.18150.33208.33245.71290.09406.27567.38
30.82135.34440.71047.08454.66963.70674.48487.351102.72121.10169.37238.50283.57337.50479.22681.85
32.12937.05142.93149.96858.40368.52880.69895.339112.97134.21190.70272.89327.10392.50566.48819.22
33.45038.79245.21952.96662.32373.64087.347103.97124.14148.63214.58312.09377.17456.30669.45984.07
34.78540.56847.57556.08566.43979.05894.461113.28136.31164.49241.33356.79434.75530.31790.951,181.9
41.66049.99460.46273.65290.320111.43138.24172.32215.71271.02431.66693.57881.171,120.71,816.72,948.3
48.88660.40275.40195.026120.80154.76199.64259.06337.88442.59767.091,342.01,779.12,360.84,163.27,343.9
56.48171.89392.720121.03159.70212.74285.75386.51525.86718.901,358.22,590.63,585.14,965.39,531.618,281
64.46384.579112.80152.67209.35290.34406.53573.77815.081,163.92,400.04,994.57,217.710,43621,81345,497
72.85298.587136.07191.16272.71394.17575.93848.921,260.11,880.64,236.09,623.114,52421,92549,910113,219
81.670114.05163.05237.99353.58533.13813.521,253.21,944.83,034.87,471.618,53529,22046,058114,190281,733
Period
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
35
40
45
50
55
60
12

15. FINANCIAL PLANNER
Introduction to the Cash Flow Monitor (CFM).
After having learned the basics of budgeting, setting targets
and goals, we now introduce the Monthly Cash Flow Monitor.
It is divided into 4 pages beginning with the first quarter all the
way to the Yearly Total page. This tool aims to help you
monitor the monthly money-in and money-out from you and
your family to help you stick to your planned budget.
1. Read and understand these instructions.
2. The first column is the PARTICULARS
column. Take note of the details listed here,
they will tell you which amounts to write.
3. Columns labeled 1-12 (on each page) are the
month columns. Write the TOTAL AMOUNT
of money-in or money-out for each
PARTICULAR on the corresponding month.
4. For monthly columns, the End-of-Month
balance will be the beginning balance of the
succeeding month. For the Quarterly columns,
the End-of-Quarter balance is the beginning
balance of the next quarter.
5. In the columns labeled Q1, Q2, Q3, Q4, one
each page, add the monthly amounts (i.e.
month 1 + month 2 + month 3) and write the
sum in the last column (i.e. Q1 column).
6. Remember to review your MONTHLYTOTALS
and see if your budgeting is working!
7. On the last page (Yearly Total) write the
QUARTERLY TOTALS in the columns labeled
Q1–Q4.
8. Add the Q1-Q4 totals and write the sum in the
column labeledANNUALTOTALand now you
know your yearly money-in and money-out!
INSTRUCTIONS
Cash Flow Monitor*
(CFM)Income sources are
normally the cash in-flow items but
let us put attention to the cash out-
flow items enumerated in column one
of this ledger. This ledger tries to help
you establish the net cash that you
shall ultimately make available for
regular expenditures after your
allotment for savings and investment
items.
Notice that you are presented with a
general menu of savings and
investment options in the first half of
the ledger. You may have full or partial
exposure to these particulars. Over a
period of time your portfolio or your
allotment portfolio may vary
according to the market options you
avail of and the amount of risk you
take and in the second half of the
ledger you shall deal with classified
expenditure items. The proportion of
the expense item will depend on
lifestyle, living arrangements, and
other factors. In any case this cash
flow monitor provides its users a
facility to determine how much net
cash-on-hand must be kept with an
assured amount of savings and
investment for each period.
* Developed by the International Organization for Migration (IOM)
13

16. FINANCIAL PLANNER
Particulars
Balance,previousmonth
PlusCashincomeflowsthismonth
TotalCashIncomeBudget,Begofthemonth(BOM)
Less:AllotmentforSavings&TimeDeposits
Less:InvestmentinBonds,Stocks,MoneyMarket,
Less:InvestmentoutlaysonBusiness/SocialEnterprise
Less:InvestmentinCooperative
Less:InvestmenOutlaysonsocialinsuranceproducts
Less:Investmentoutlays/amortizationandacquisitions
BalancebeforeExpenditures
Less:Food
Clothing
Rent
Transportation
Communication(phone&internetbills)
Medical/Health
Education
Utilities(Water,Power,Cable)
SocialEvents(bday,fiesta)
Leisure&travel
Donations
DebtAmortization
BalanceEndofMonth(EOM)
Cash Flow Monitor First Quarter
123Q1TOTAL
14

17. FINANCIAL PLANNER
Particulars
Balance,previousmonth
PlusCashincomeflowsthismonth
TotalCashIncomeBudget,Begofthemonth(BOM)
Less:AllotmentforSavings&TimeDeposits
Less:InvestmentinBonds,Stocks,MoneyMarket,
Less:InvestmentoutlaysonBusiness/SocialEnterprise
Less:InvestmentinCooperative
Less:InvestmenOutlaysonsocialinsuranceproducts
Less:Investmentoutlays/amortizationandacquisitions
BalancebeforeExpenditures
Less:Food
Clothing
Rent
Transportation
Communication(phone&internetbills)
Medical/Health
Education
Utilities(Water,Power,Cable)
SocialEvents(bday,fiesta)
Leisure&travel
Donations
DebtAmortization
BalanceEndofMonth(EOM)
456Q2TOTAL
Cash Flow Monitor Second Quarter
15

18. FINANCIAL PLANNER
Particulars
Balance,previousmonth
PlusCashincomeflowsthismonth
TotalCashIncomeBudget,Begofthemonth(BOM)
Less:AllotmentforSavings&TimeDeposits
Less:InvestmentinBonds,Stocks,MoneyMarket,
Less:InvestmentoutlaysonBusiness/SocialEnterprise
Less:InvestmentinCooperative
Less:InvestmenOutlaysonsocialinsuranceproducts
Less:Investmentoutlays/amortizationandacquisitions
BalancebeforeExpenditures
Less:Food
Clothing
Rent
Transportation
Communication(phone&internetbills)
Medical/Health
Education
Utilities(Water,Power,Cable)
SocialEvents(bday,fiesta)
Leisure&travel
Donations
DebtAmortization
BalanceEndofMonth(EOM)
789Q3TOTAL
Cash Flow Monitor Third Quarter
16

19. FINANCIAL PLANNER
Particulars
Balance,previousmonth
PlusCashincomeflowsthismonth
TotalCashIncomeBudget,Begofthemonth(BOM)
Less:AllotmentforSavings&TimeDeposits
Less:InvestmentinBonds,Stocks,MoneyMarket,
Less:InvestmentoutlaysonBusiness/SocialEnterprise
Less:InvestmentinCooperative
Less:InvestmenOutlaysonsocialinsuranceproducts
Less:Investmentoutlays/amortizationandacquisitions
BalancebeforeExpenditures
Less:Food
Clothing
Rent
Transportation
Communication(phone&internetbills)
Medical/Health
Education
Utilities(Water,Power,Cable)
SocialEvents(bday,fiesta)
Leisure&travel
Donations
DebtAmortization
BalanceEndofMonth(EOM)
91012Q4TOTAL
Cash Flow Monitor Fourth Quarter
17

20. FINANCIAL PLANNER
Particulars
Balance,previousmonth
PlusCashincomeflowsthismonth
TotalCashIncomeBudget,Begofthemonth(BOM)
Less:AllotmentforSavings&TimeDeposits
Less:InvestmentinBonds,Stocks,MoneyMarket,
Less:InvestmentoutlaysonBusiness/SocialEnterprise
Less:InvestmentinCooperative
Less:InvestmenOutlaysonsocialinsuranceproducts
Less:Investmentoutlays/amortizationandacquisitions
BalancebeforeExpenditures
Less:Food
Clothing
Rent
Transportation
Communication(phone&internetbills)
Medical/Health
Education
Utilities(Water,Power,Cable)
SocialEvents(bday,fiesta)
Leisure&travel
Donations
DebtAmortization
BalanceEndofMonth(EOM)
Q1Q2Q3ANNUALTOTAL
Cash Flow Monitor Total for the Year
Q4
18

21. FINANCIAL PLANNER
The following is the Family Balance
Sheet. It is meant to be a representation
of your family’s total assets, liabilities
and capital at a specific time (normally
at the end of the year). Accomplishing
the Balance Sheet should tell you the
current worth of your assets as well as
help you keep track of your spending
and outstanding liabilities (debts). The
guiding equation in the preparation to the
Balance sheet is; ASSETS =
LIABILITIES + CAPITAL
1. Enter the corresponding
amounts in the right boxes. Make
sure to take note of entries in the
box before inputting amounts. You
can find out the amounts by looking
at your bank passbook, receipts,
bank statements, insurance
payments and other similar
statements.
2. For the amount in your fixed
assets (personal and business) the
original acquisition cost must be
monitored in consideration of their
value appreciation or depreciation.
Periodic depreciation is spread
over estimated service life. Note
depreciable (a) and appreciable
(b) items.
3. Add the amounts you have
listed down; this is your TOTAL
ASSETS
4. Repeat step 1 to list down the
amounts for liabilities, do the same
for capital.
5. Add the sum of the liabilities to
the sum of your capital, this is your
TOTAL LIABILITES and CAPITAL.
6. If you did this right, TOTAL
ASSETS should BE EQUAL to the
TOTAL LIABILITIES and CAPITAL.
7. If you have more liabilities/
capital then you must be deficit
spending; you have too many debts
more than the money you have. a: Determine net of depreciation
b: Items which must be monitored of their market value
As of particular date__________________
Family Balance Sheet*Introduction to the
Family Balance Sheet
INSTRUCTIONS
CURRENT ASSETS
Cash on Hand
Cash in Bank
Peso Savings Account
Foreign Exchange Savings Account
Peso Time Deposit
Foreign Exchange Time Deposit
Others
FIXED ASSETS
PERSONAL
(b) Residential House & Lot
(b) Condominium Unit
(b) Lot
(b) House in Progress
(b) Memorial Lot
(a) Furniture & Fixtures
(a) Household Appliances
(b) Jewelry, Collectibles & Antiquities
BUSINESS USE
(a) Family Store/Business Place
(b) Farm Lot
(a) Farm Tools & Equipment
(a) Business Technology & Equipment
(a) Business Furniture and Fixtures
(a) Business/Office Appliances
TOTAL ASSETS
LIABILITIES AND CAPITAL
LIABILITIES
House & Lot Amortization
Lot Amortization
Insurance Premium Payable
Credit Card Payable
Car Loan Amortization
Health Insurance Premium
Utilities Expense
TAX Liabilities
Other Liabilities
CAPITAL
Interest Income from Savings/Time Deposit
Stocks and Securities
Bonds
Earnings from Business
Other Capital
TOTAL LIABILITIES AND CAPITAL
* Developed by the International Organization for Migration (IOM)
19

22. FINANCIAL PLANNER
Property Acquisition Plan*
ITEM
Lot
HouseConstruction
House&Lot
CondoUnit
BusinessUnit
FarmLot
MemorialLot(s)
Vehicle-HouseholdUse
Vehicle-BusinessUse
FarmTools/Equipment
ProductionTools/Eqpt.
OtherBusinessTech.
HouseholdTechnology
Art&Antiquities
Jewelry
HouseholdAppliance
HouseholdFurniture
YEAR
ACQUIRED
ESTIMATED
PURCHASECOSTYEARLYCREDITAMORTIZATION
123456789101112
Introduction to PROPERTY ACQUISITION
In line with one’s dream map, it is important to monitor the extent by which the OFW or Overseas Filipino have channeled their
remittances to property investments. Wealth is largely measured in terms of property values and net worth.
1. Recall the necessary references and information to fill out the ledgers. This means keeping track of
those acquisition contracts, deed of sale, certificates of ownership, transfer certificate of title (TCT’s),
warranty records, mortgages, official receipts, etc.
2. Diligently fill-up the right boxes with the right amounts and information. Don’t forget to read carefully
before filling up!
INSTRUCTIONS
* Developed by the International Organization for Migration (IOM)
20

23. FINANCIAL PLANNER
Social Insurance and Pre-Need Plans*
Education
- Child 1
- Child 2
- Child 3
- Child 4
Health Card
- Myself
- Spouse
- Child 1
- Child 2
- Child 3
- Child 4
Other Dependents
Pension
Life Insurance
Memorial Plan
Others
Item Company Mature Value Cost of Purchase Amort Yrs Regular Amort
* Developed by the International Organization for Migration (IOM)
Introduction to PRE-NEED plans (purpose-specific life insurance products)
Securing the future through social security investments or pre-need plans with State run or private run institutions has become
an important option in planning your financial portfolio. Pre-need plans and trust-funds with specific objectives help secure
contingencies as well as major outlays in some anticipated future time.
1. Recall the necessary references and information to fill out the ledgers. This means keeping track of
those official receipts, contract of coverage, certificate of full payment, insurance policy, life plan, memorial
plan, etc.
2. Diligently fill-up the right boxes with the right amounts and information. Don’t forget to read carefully
before filling up!
INSTRUCTIONS
21

24. FINANCIAL PLANNER
Introduction to Savings and Investment
Having a hard time keeping track of those investments, the new house, insurance and all those other monthly bills? Then
stress no more and keep them under control with the long-term investments ledgers. The following sheets should help you
keep track of those losses and benefits from your assets and investments.
1. Recall the necessary information to fill out the ledgers. This means keeping track of those bank statements, time
deposit slips, bonds or stock certificates, certificate of money market placements, etc
2. Diligently fill-up the right boxes with the right amounts and information. Don’t forget to read carefully before filling up!
3. It is important to monitor this ledger regularly to see if you have put all your eggs in one basket or have acquired
a balanced investment portfolio to even out risk and optimize profits.
Investment Mode
Time Deposit
Treasury Bond
Other Bond Instruments
Other Bank Instruments
Money Market Placements
Stocks
- Company 1
- Company 2
Cooperative
Micro-enterprise
Small-Medium Enterprise
Social Enterprise
Franchise
Others
Company
INSTRUCTIONS
Savings & Investment Portfolio*
Year Acquired Face Value Market Value ROI
* Developed by the International Organization for Migration (IOM)
22

25. FINANCIAL PLANNER
Unang Paksa
1. A. Mayroon akong trabaho ngayon.
B. Wala akong trabaho ngayon.
2. A. Hindi maganda ang aking naging trabaho
bago ko naisipang magsimula ng isang
negosyo.
B. Maganda ang takbo ng aking trabaho
bago ko naisipang magnegosyo.
3. A. Nagtatrabaho ako upang kumita ng pera.
Wala akong interes o kaligayahan sa
kasalukuyang trabaho.
B. Mayroon akong natutunan sa bawat trabahong
pinasukan. Interesado ako sa aking trabaho sa
kasalukuyan.
4. A. Gusto kong magnegosyo para mabigyan ng
magandang buhay ang aking pamilya.
B. Gusto kong magnegosyo para maging
matagumpay. Ang mga mayaman ay nag aari
ng sariling negosyo.
5. A. Kailangan natin ng maraming pabor
mula sa ibang tao para magtagumpay
sa ating mga gawain.
B. Naniniwala ako na ang tagumpay o pagbagsak
ng isang negosyo ay dahil sa sarili kong
pagpapatakbo at kakayahan.
Ikalawang Paksa
1. A. Ayoko ng risgo o “risk” kahit na malaki ang
posibleng ganansya.
B. Kumbinsido ako na upang umunlad sa buhay,
dapat akong humarap ng risgo o “risk”.
2. A. Naniniwala akong may mga oportunidad
sa kabila ng mga risgo o “risk”.
Handa ka na bang Mag-negosyo?*
Bago magnegosyo, kailangang makita natin kung may sapat na kakayahan tayo para umpisahan at patakbuhin ito. Ang mga
sagot natin sa sumusunod na tanong ang tutulong sa atin na masukat ang ating kakayahan. Kailangang sagutin natin ng tapat
ang mga ito. Pagkatapos ay bibilanging natin ang ating “score” para malaman natin kung saang aspeto pa tayo kailangan
magpakahusay bago tayo mag-negosyo.
Ang bawat paksa ay may limang pares na pangungusap. Bilugan ang letra ng pangungusap na pinakabagay
sa iyo. Maging tapat sa pagsagot nito. Ang ehersisyong ito ang magsasabi kung ikaw ay may kakayahan,
karanasan, suporta at karakter na kailangan sa pagpatakbo ng negosyo.
ALAMIN ANG ATING KAKAYAHAN
B. Kung ako ay may pagpipilian, mas nais ko ang
siguradong pamamaraan.
3. A. Kung gusto ko ang isang ideya, susubukan ko ito
nang hindi na iniisip kung may bentahe o may panganib.
B. Susubukan ko ang isang ideya kung napagisipan
ko na ang mga bentahe at panganib.
4. A. Tatanggapin ko na maaring akong malugi at
mawala ang perang inilagay ko sa negosyo.
B. Mahirap para sa aking tanggapin na maaring akong
malugi at mawala ang perang inilagay ko sa negosyo.
5. A. Gusto kong kontrolado ko ang lahat ng gawain
o bagay.
B. Tanggap ko na hindi ko kayang kontrolin
ang bawat bagay. Pero dapat may sapat akong
kakayahan para makontrol ang ilan.
Ika-3 Paksa
1. A. Hindi ako madaling sumuko
sa harap ng matinding pagsubok.
B. Kung mahirap matamo ang isang bagay,
hindi na ito dapat ipaglaban.
2. A. Apektado ako ng matinding kabiguan.
B. Hindi ako naapektuhan ng kabiguan
sa matagal na panahon.
3. A. Naniniwala ako na kaya kong panghawakan
ang mga pangyayari.
B. May hangganan ang kakayanan ng tao. Malaki ang
papel ng kapalaran at swerte sa ating buhay.
4. A. Kapag ako ay tinanggihan ng isang tao,
nalulungkot ako at kinakalimutan na lang ito.
B. Kapag ako ay tinanggihan ng isang tao,
tinatanggap ko ito ng maluwag at ginagawa ang
lahat para magbago ang kaniyang pag iisip
* Developed by the International Labour Organization
23

26. FINANCIAL PLANNER
5. A. Kalmado ako sa isang krisis para mapagisipan
` ang tamang solusyon.
B. Nalilito ako at kinakabahan pagdating ng isang krisis.
Ika-4 na Paksa
1. A. Hindi ko isasama ang aking pamilya sa pagdesisyon
sa negosyo para hindi sila maapektuhan nito.
B. Isasama ko ang aking pamilya sa lahat ng
importantengdesisyon sa negosyo.
2. A. Maiintindihan ako ng aking pamilya kung mababawasan
ang panahon ko para sa kanila dahil sa negosyo.
B. Sasama ang loob ng aking pamilya kung mababawasan
ang panahon ko para sa kanila dahil sa negosyo.
3. A. Kung hindi masyadong matagumpay ang negosyo,
magagalit ang aking pamilya dahil sa nilang harapin.
B. Kung hindi masyadong matagumpay ang negosyo,
haharapin ng aking pamilya ang mga kahirapang
maaring mangyari.
4. A. Ang aking pamilya ay tutulong sa panahong nahihirapan
ang negosyo.
B. Maaring hindi tumulong ang aking pamilya sa panahong
nahihirapan ng negosyo.
5. A. Mag aalala ang kapamilya kung ako ay mag sisimula
ng isang negosyo.
B. Sumasang ayon ang pamilya ko sa pagsisimula ko
ng isang negosyo.
Ika-5 Paksa
1. A. Nahihirapan ako sa pagharap sa isang problema.
Nag-aalala ako at ayaw ko itong pagsisipan.
B. Hindi ako takot humarap sa problema. Pinagiisipan ko
ito at binibigyan ng solusyon.
2. A. Kung ako ay nasa mahirap na sitwasyon,
hinaharap ko ito ng buong lakas. Ang kahirapan
ay isa lamang pagsubok sa aking kakayahan at
maligaya ko itong hinaharap.
B. Kung ako ay nasa mahirap na sitwasyon, kinakalimutan
ko na lamang ito at hinahayaang lumipas.
3. A. Sasabay na lamang ako sa agos at
maghihintay ng magandang pangyayari.
B. Hindi ako maghihintay ng magandang
pangyayari. Ako ang gagawa nito.
4. A. Lagi akong naghahanap ng kakaibang gagawin,
B. Gusto ko lang gawin ang mga bagay kung
saan ako magaling.
5. A. Makakatulong sa akin ang lahat ng ideya.
Sinusubukan ko ang mga ito para
malaman kung alin ang mabisa.
B. Ang mga tao ay may kanya-kanyang ideya
pero hindi ko maaring subukan lahat.
Mas gusto kong subukan at gawin ang
sariling kong ideya.
Ika-6 na Paksa
1. A. Kukunin ko para sa aking pamilya ang
halagang kaya lang ibigay ng negosyo.
B. Kukunin ko mula sa negosyo ang lahat na
kailangan ng aking pamilya.
2. A. Kung may kaibigan o kapamilya na
nangangailangan ng pera, tutulungan ko sila
kahit mahirapan ang negosyo.
B. Kung may kaibigan o kapamilya na
nangangailangan ng pera, kukuha ako mula
sa personal kong kinita. Hindi ako dapat
kumuha sa perang kailangan ng negosyo.
3. A. Hindi ko dapat pabayaan ang negosyo
alang-alang sa pamilya o mga kaibigan.
B. Ang aking pamilya at mga kaibigan ay
mataas ang proridad. Nauuna sila
sa negosyo.
4. A. Kaiba sa ordinaryong customer, ang kapamilya
at kaibigan ay makakakuha ng espesyal na
serbisyo o benepisyo mula sa negosyo.
B. Tulad ng ibang customer, dapat lang bayaran
ng kapamilya at kaibigan ang mga produkto,
serbisyo at kagamitan ng negosyo.
5. A. Hindi ko pauutangin mula sa negosyo ang
sinuman dahil lamang sila ay kapamilya o
kaibigan.
B. Palagi kong pauutangin ang kapamilya
at kaibigan.
Ika-7 Paksa
1. A. Madali akong nakakapagdesisyon.
Natutuwa akong mabigyan ng pagkakataong
makapagdesisiyon.
B. Nahihirapan akong gumawa ng isang desisyon.
2. A. Nakakagawa ako ng mahirap na desisyon
nang di kumukunsulta ang iba.
B. Humihingi ako ng payo sa iba’t ibang tao
kung mayroong mahirap na dedesisyunan.
24

27. FINANCIAL PLANNER
3. A. Pinapagpaliban kong gumawa ng isang
mahirap na desisyon.
B. Madali akong nakakapagdesisiyon
kung kinakailangan.
4. A. Pinagiisipan kong mabuti at tinitingnan
ang lahat na alternatibo bago mag desisyon.
B. Ang aking desisyon ay base sa aking
nararamdaman at intuisyon. Nalalaman
ko agad kung ano ang desisyon.
5. A. Nag-aalala akong madalas na baka ako
magkamali.
B. Hindi ako nag-aalala magkamali dahil sa
ganitong paraan ako matututo.
Ika-8 Paksa
1. A. Gagawin ko lamang ang produkto at
serbisyong gusto ko.
B. Gagawin ko lamang ang produkto at serbisyong
gusto o kailangan ng mga customer.
2. A. Kung gusto ng kustomer ay ang murang
produkto at serbisyo, sisikapin kong maabot
ang kanilang kagustuhan
B. Kung gusto ng customer ay ang murang
produktoat serbisyo, pwede na silang
maghanap sa iba.
3. A. Kung gusto ng customer ang umutang,
pag-aaralan ko kung paano ito gagawin nang
hindi makakasama sa negosyo.
B. Hindi ako magpapautang.
4. A. Kung kinakailang lumipat sa ibang lugar para
umunlad ang negosyo, handa akong gawin ito.
B. Hindi ako handang lumipat sa ibang lugar.
Ang mga customer at supplier ang dapat
pumunta sa akin.
5. A. Pag-aaralan ko ang mga pangangailangan at mga
uso sa merkado. Sisikapin kong baguhin aking
ugali at pagtrabaho para makasabay sa mga ito.
B. Masmagaling kung magtrabaho ako sa paraang
nalalaman ko. Napakahirap sabayan ang mga
pangangailangan at uso sa panahon.
Ika-9 na Paksa
1. A. Gusto kong kalmado at pabandying-bandying.
Hindi ako makapagtrabaho ng maayos kung
may pressure.
B. Mas nais kong magtrabaho ng may pressure.
Natutuwa ako sa mga pag subok.
2. A. Gusto kong magtrabaho ng maraming oras.
Okay lang gamitin ko ang libreng oras ko
sa pagtatrabaho.
B. Sa aking palagay importante ang magkaroon ng
libreng oras malayo sa trabaho. Hindi tayo
kailangang magtrabaho sa lahat ng oras.
3. A. Hindi ko papayagang mabawasan ang oras ko sa
pamilya at kaibigan dahil lamang sa negosyo.
B. Handa akong bawasan ang aking oras sa pamilya
at kaibigan dahil sa negosyo.
4. A. Pwede kong ipagpaliban ang pagpapasarap,
pasyal at hilig kung kinakailangan.
B. Sa aking palagay mas magandang magkaroon ng
maraming oras para sa aking mga hilig at para sa
pag-relax.
5. A. Handa akong magtrabaho ng lubus-lubusan.
B. Handa akong magtrabaho at gawin ang
kinakailangan lamang.
Ika-10 Paksa
1. A. Ayaw ko ng negosasyon. Mas madaling sundin
ko na lang ang gusto ng iba.
B. Gusto kong makipag negosasyon at madalas ko
itong nagagawa nang di nakakasakit ng ibang tao.
2. A. Maayos akong makipag usap sa kapwa tao.
B. Nahihirapan akong makipag usap sa kapwa tao.
3. A. Hindi ako interesado sa opinion at paniniwala ng
ibang tao.
B. Gusto kong makinig sa mga opinion at at
paniniwala ng ibang tao.
4. A. Kung ako ay makikipag negosasyon, masgusto
kong makinig na lang hintayin kung ano
ang mangyayari..
B. Kung ako ay makikipag negosasyon, iniisip ko
kung ano ang pabor sa akin at kung ano ang
pabor sa taong kanegosasyon ko.
5. A. Naniniwala ako na para maging matagumpay
ang negosasyon, kailangang humanap ng paraan
para makuha ng lahat ang kanilang ninanais.
B. Ako ang magnenegosyo kaya ang aking opinion
ang pinaka-importante. Natural lamang na may
matatalo.
25

28. FINANCIAL PLANNER
TOPIC
1
1
2
3
4
5
TOPIC
2
1
2
3
4
5
TOPIC
3
1
2
3
4
5
TOPIC
4
1
2
3
4
5
TOPIC
5
1
2
3
4
5
TOPIC
A
2
0
0
2
0
TOPIC
B
0
2
2
0
2
TOPIC
A
0
2
0
2
0
TOPIC
B
2
0
2
0
2
TOPIC
A
2
0
2
0
2
TOPIC
B
0
2
0
2
0
TOPIC
A
0
2
0
2
0
TOPIC
B
2
0
2
0
2
TOPIC
A
0
2
0
2
2
TOPIC
B
2
0
2
0
0
TOPIC
6
1
2
3
4
5
TOPIC
7
1
2
3
4
5
TOPIC
8
1
2
3
4
5
TOPIC
9
1
2
3
4
5
TOPIC
10
1
2
3
4
5
TOPIC
A
2
0
2
0
2
TOPIC
B
0
2
0
2
0
TOPIC
A
2
2
0
2
0
TOPIC
B
0
0
2
0
2
TOPIC
A
0
2
2
2
2
TOPIC
B
2
0
0
0
0
TOPIC
A
0
2
0
2
2
TOPIC
B
2
0
2
0
0
TOPIC
A
0
2
0
0
2
TOPIC
B
2
0
2
2
0
SCORING
Paksa
Blg.
1
2
3
4
5
6
7
8
9
10
Total
Score
26

29. FINANCIAL PLANNER
Notes
27

30. FINANCIAL PLANNER
Notes
28