Prepared by:

MARK VINCENT B. BANTOG, LPT

Objectives:
Enumerate money management
philosophies.
Illustrate the money management
cycle and gives examples of sound
practices in earning, spending,
saving, and investing money.
A financial management which a
private person or a family
performs to budget money, save
and spend monetary resources
over a period of time, taking into
consideration various financial
risks and future events.
Have a self-control.

Control personal finance in the future.

Know where your money goes.

Maintain emergency fund.

Understand simple taxation.

Save for retirement now.

Guard your health and wealth.

The more you risk the better the return.

Investments earn money over time.

Diversifying reduces risk.

Not all risks are equal.

Curse of competitive investment markets.

Taxes

Plan for the unexpected.

Knowledge is power.

Always be insured.

Time and risks of investments.

Beware of the sales person.

You come first.

Money is not everything.

Just do it.
The process of competently
utilizing financial assets.
This type of financial
planning also involves using
available resources to create
financial reserves for the
future.
Record all your expenses.
Review the expenses incurred each
month.
Set aside some money for savings.
Buy what you need, not what you
want.
Make it a habit to check your bank
and credit card statements.
Striveto own a house instead of
renting.
Avoid using credit cards.
Stay away from short cuts to wealth
such as gambling or get rich quick
schemes.
Seek a financial adviser to help you
plan your finances and investments.
No savings plan

Unnecessary purchases

Overspending on luxuries

Excessive reliance on credit cards

Impulse buying
One source of income

Failing to take accountability

No emergency money

No spending limit

Expecting mistakes to fix themselves

 SAVING is the process of putting cold, hard cash
aside and parking it in extremely safe and liquid
securities or accounts.
 INVESTING is the process of using money to buy
an asset that will generate a safe and
acceptable return over time.
 INFLATION happens with the general rise in the
prices of goods and commodities.
 PURCHASING POWER is the amount of goods
and services money can buy.
 Yumang, Chan Pao, Pefianco-Benito, Pefianco Ed.D.
(2016), Exploring Small Business and Personal Finance,
Published by The Phoenix publishing House Inc.
 Ma. Elenita B. Cabrera, CPA, Financial Management
Principles and Applications, Volume 1 & 2, 2015 Edition
 Anastacio, Dacanay, Aliling, Fundamentals of Financial
Management, Revised Edition 2016, Rex Book Store
 Roberto G. Medina, Business Finance, Second Edition
 3G E-LEARNING, Business Finance, Second Edition
THANK
YOU!