Financial Literacy:

A guide to Saving and Building

for your Future

By Ray Anne Labra-Pepito, MSN, RN, CIA

Financial Literacy
is an important part of
avoiding financial mistakes
and planning for a strong,
secure financial future.

AGREE or DISAGREE?
College graduates spend 16
years gaining skills that will help
them command a higher salary,
yet little or no time is spent
helping them save, invest and
grow their money.

AGREE or DISAGREE?
A
financially
healthy
individual is
someone Meets his financial
obligations on time
Has funds to address
emergencies
who… (loans, bills, etc.) (sickness, accidents)

Has funds to
realize his future
5 steps to realizing your dreams
Know what
you want.
Understand
why you
want it.
Know how
much it will
cost.
Your goals
and dreams
must have a
target date.
Strategize
the how.
It all starts
with
discipline
and saving.
There is a continuous struggle between
NEEDS and WANTS.
 NEEDS VS. WANTS

Needs are items that

are necessary for Wants are items that
survival. you can live without.
Budget Constraints
The Debt
Trap
DEBT?

GOOD BAD
(INCREASE VALUE) (DECREASE VALUE)
 DREAMS
DEBT

Borrowing money can be a quick fix but having debt

can limit your options in life.
DON’T SPEND WHAT YOU DON’T HAVE!

Live within your means – the pain of debt

lasts longer than the pleasure of the purchase.
Debt-free lifestyle
1. Live within your means.
2. Maximize your income
streams.
3. Refrain from increasing
your debts.
4. Create a strategic
spending plan.
5. Create a strategic savings
SAVE.
plan. Tip: Savings should be your FIRST “EXPENSE”
60% EXPENSES 20% INVESTMENT 20% LEISURE

60-20-20 Income Rule

Set up your
Emergency
Fund

3x-6x of your monthly

income
 - =
INCOME EXPENSES SAVINGS

OLD SAVINGS FORMULA

 - =
INCOME SAVINGS EXPENSES

NEW SAVINGS FORMULA

Investment Options
MONEY needs TIME to GROW.
Your savings can go down the drain in JUST A SNAP!
Give room for life’s uncertainties.
Life’s
uncertainties

The value of Time

and Health
Have a long-term
contingency plan.
Be adequately
protected.
6 steps to realizing your dreams
 Investments

Savings & Protection

Income
 Investments

Savings and Protection

An investment in knowledge pays
the best interest.

Benjamin Franklin
 “The single best difference between
financial success and financial failure
is how well you manage your money.
It’s simple: to master money, you must
manage money.”

- T. HARV EKER
Ray Anne Labra-Pepito, MSN,
RN, CIA
Financial Coach

rayannelabra@gmail.com
09561529900
FB: Ray Anne Labra-Your Trusty
Wealth Planner

Thank you!