MONTHLY LIFESTYLE PLANNER

Engr. Lovely Charmaine Gomez

Licensed Financial Advisor | Chemical Engineer | Content Creator
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YTD Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Projected Net Income ₱ 15,000 ₱ 15,000 ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Salary ₱ 15,000 ₱ 15,000 ₱ - ₱ - ₱ - ₱ - ₱ -
Side Hustle A ₱ -
Side Hustle B ₱ -
Business ₱ -
Allowances ₱ -
Receivables ₱ -
Others ₱ -

Target Money Jars BUDGET ALLOCATION PER MONEY JAR

55% Necessities ₱ 8,250 ₱ 8,250 ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
10% Long Term-Savings ₱ 1,500 ₱ 1,500 ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
10% Financial Freedom ₱ 1,500 ₱ 1,500 ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
10% Play Jar ₱ 1,500 ₱ 1,500 ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
10% Education Jar ₱ 1,500 ₱ 1,500 ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
5% Give Jar ₱ 750 ₱ 750 ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

55% Necessities ₱ 6,800 ₱ 6,800 ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

Food/Groceries ₱ 3,000 ₱ 3,000
Rent/Mortgage ₱ 1,000 ₱ 1,000
Transportation ₱ 1,000 ₱ 1,000
Water ₱ 500 ₱ 500
Electricity ₱ 500 ₱ 500
Credit Card ₱ - ₱ -
Phone Bill ₱ 300 ₱ 300
Internet ₱ - ₱ -
Insurance ₱ 500 ₱ 500
Others ₱ - ₱ -

10% Long-term Savings for Spending ₱ 1,000 ₱ 1,000 ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

Emergency Fund ₱ 1,000 ₱ 1,000
Vacation ₱ - ₱ -
Business Venture ₱ - ₱ -
Gadgets ₱ - ₱ -
Home Improvement ₱ - ₱ -
Other Big Purchases ₱ - ₱ -

10% Financial Freedom ₱ 1,000 ₱ 1,000 ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

Stocks ₱ - ₱ -
Mutual Funds ₱ 1,000 ₱ 1,000
MP2 ₱ - ₱ -
Forex Capital ₱ - ₱ -
Crypto ₱ - ₱ -
Business Capital ₱ - ₱ -
Others ₱ - ₱ -

10% Play ₱ 1,000 ₱ 1,000 ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

Clothes ₱ 1,000 ₱ 1,000
Shoes ₱ - ₱ -
Bags/Accessories ₱ - ₱ -
Dining out ₱ - ₱ -
NetFlix ₱ - ₱ -
Entertainment ₱ - ₱ -
Subscriptions ₱ - ₱ -
Others ₱ - ₱ -

10% Education ₱ 500 ₱ 500 ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

Books ₱ 500 ₱ 500
Training/Worshops ₱ - ₱ -
Mentoring/Coaching ₱ - ₱ -

5% Give ₱ 1,000 ₱ 1,000 ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

Family Contribution ₱ 500 ₱ 500
Tithes/Charity ₱ 500 ₱ 500
Gifts ₱ -

Total Budget ₱ 11,300 ₱ 11,300 ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

Needs ₱ 6,800 ₱ 6,800 ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Savings ₱ 2,000 ₱ 2,000 ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Wants ₱ 2,500 ₱ 2,500 ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Free Money for Savings ₱ 3,700 ₱ 3,700 ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Under/(Over) spending on Wants ₱ 1,250 ₱ 1,250 ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

₱16,000

₱14,000

₱12,000

₱10,000
Wants; ₱2,500
₱8,000

Savings; ₱2,000 Needs; ₱6,800 ₱6,000

₱4,000

₱2,000

₱-
J an Feb Mar Ap r M ay Jun Jul Au g S ep Oc t No v D ec

Net Income Needs Savings Wants

 How to use the Lifestyle Planner:
LIFESTYLE PLANNING - Input your data on gray cells only. Use dd-mmm-yyyy (01-Jan-1991) format for all dates.
- Mandatory Data: Birthdate, Retirement Age, Monthly Income and estimated Daily Expense, and first row of Needs, Savings and
Wants
Engr. Lovely Charmaine R. Gomez - Basic Cash Flow: 20% Savings, 50% Needs, 30% Wants / Net Worth = Assets - Liabilities
Licensed Financial Advisor | Chemical Engineer | Content Creator - You can duplicate the sheet to monitor Your Lifestyle on a monthly basis.

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beacons.page/MissInvest | glcharmaine@gmail.com Inflation Rate: 4.20% Tuition Fee Hike: 6.96%

Date Birthdate 01-Jan-90 Current Age 31

Name Juan Dela Cruz Retirement Age 55 Working Years 24
Email Monthly Income ₱15,000.00 Future Value -₱40,304.06
Contact No. Daily Expense ₱500.00 Future Value -₱1,382.23

YOUR LIFESTYLE
Needs (50%) Savings (20%) Wants (30%)
Description Cost Description Cost Description Cost
House Rent ₱1,000.00 Mutual Fund ₱0.00 Online Shopping ₱0.00
Utilities - Water, Electricity ₱1,000.00 Insurance No. 1 ₱1,000.00 Travel ₱0.00
Internet ₱0.00 Insurance No. 2 ₱0.00 Entertainment ₱0.00
Mobile ₱300.00 Additional Emergency Fund ₱1,000.00 Subscriptions - NetFlix, Spotify, etc. ₱0.00
Transportation ₱1,000.00 Gifts/Tithes/Charity ₱1,000.00
Food/Groceries ₱5,000.00

TOTAL ₱2,000.00 TOTAL ₱1,000.00

Minimum Amount ₱3,000.00 Limit ₱4,500.00
Amount not invested ₱1,000.00 Excess Spending ₱0.00

MAGIC NUMBER
TOTAL ₱8,300.00 You need:

➤
This is the future value of your current Needs and
Limit ₱7,500.00
Unused Allocation ₱0.00
Wants starting from retirement until 80y.o.
(e.g. If you retire at 60 y.o.; this amount will sustain (₱7,501,128)
you for 20 years or from age 60 - 80)
Excess Spending -₱800.00 to afford the same Needs & Wants during retirement.
-25003.76
YOUR CASH FLOW

➤
You need to save:
Needs 55.33% AT RISK This is how much you need to save monthly

Savings 13.33% UNHEALTHY

starting today until you retire to be reach your
Magic Number.
(₱26,045.58)
Wants 6.67% HEALTHY per month from now until you retire.
Monthly Expense ₱9,300.00

Notes
Nagulat ka rin ba sa laki ng Magic Number mo? That's what inflation does.

What do I suggest? Don't save now. Postpone savings for later. But remember, the more you delay, the larger the amount you would need to save in the future.

Wanna talk about it?

Send me a message! ➤ m.me/MissInvest