Financial Lemonade: Refresh Your Wellbeing Thru Managing Personal Finance

Financial Lemonade
Refresh your wellbeing thru managing

personal finance
Copyright (c) 2019 by Bigote Trading and Traders Lemonade

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This material is dedicated to
Jenna, Max and Chip.
-Daddy Pig

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Well-managed Personal Finance
The goal is to
promote wellbeing,
as opposed to achieving financial
freedom, or being rich, or being
wealthy.

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Personal Finance Model
Your life is your

business,
you should have a
business model.
Copyright ©2019 by Financial Lemonade

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are your
YOU best asset
Your wellbeing is of utmost importance
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As a human being, you have to satisfy the
needs and wants that promote your
wellbeing.
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While not in all cases, most of your needs
and wants will necessitate that you
spend money. Copyright (c) 2019 by Bigote Trading and Traders Lemonade
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Limited Resource Maximum Satisfaction
Two realities that you have to live with:

1) There is limit to the amount of money that you can
spend
2) You would want to satisfy as many needs and
wants, as often as you can
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Therefore, your goal is to satisfy the maximum
amount of your needs and wants with the limited
amount of money that you can spend.

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Ensure you have
enough funding
The key is of needs and wants you
intend to satisfy
managing your
personal finance
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Needs Provision follows
&
Wants purpose, so define first
your needs and wants.
Life Aspects:
-Family & friends
-Health & fitness It is helpful to think in
-Job & career
-Leisure & recreation
terms of the aspects of
-God & ministry your life that you need to
-Money & finance work on
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Overlap some Health &
Life Aspects so Fitness Job &
Career
you can save Family &
Friends
money in
Leisure &
Recreations
funding the God &

need/wants. Ministry
Be creative and
Money
practical. &
Finance
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Identify Activities/Items of Expenditures
Utilities & bills
Food, Graduate Start a
Couple dates/ Sports/ School
Shelter, business
Play dates workouts
Occasions – Birthdays,
Clothing
Anniversary, Health & Regular Dr. Job &
Christmas, Checkups
Fitness Career
Recitals / Recognition Family &
Day/ School Day Friends Arts &
Crafts
Leisure & Educational
God & Recreations Pampering Fund
Sunday Service Insurance
Ministry Emergency
OPEX/CAPEX Money Fund
Support Vacation/T &
Missionary/
Volunteer Tithe ravels Finance
Retirement
Fund
Real Estate &
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Financial Investments
Group
Identify Activities/Items of Expenditures
Utilities & bills
Food, Graduate Start a
Couple dates/ Sports/ School
Shelter, business
Play dates workouts
Occasions – Birthdays,
Clothing
Anniversary, Health & Regular Dr. Job &
Christmas, Checkups
Fitness Career
Recitals / Recognition Family &
Day/ School Day Friends Arts &
Crafts
Leisure & Educational
God & Recreations Pampering Fund
Sunday Service Insurance
Ministry Emergency
OPEX/CAPEX Money Fund
Support Vacation/T &
Missionary/
Volunteer Tithe ravels Finance
Retirement
Fund
Real Estate &
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Financial Investments
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Life Tips
 Make sure Basic Needs
are covered first.
 What you plan to do

during retirement – Do it
now! (e.g., travel while
you are young)
 Vacation is a must at
least once a year, for a
fresh perspective.
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fund
Prepare a
allocation plan
that would provide funding
for your identified
activities/items of
expenditures
(OK, this is the same as a Budget)Copyright (c) 2019 by BigoteGroup

Trading and Traders Lemonade
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Before anything else, expect and prepare
for financially challenging events:
1. Establish in the present:

 Protect yourself and your family,
get life, health and property
insurance
 Establish an Emergency Fund
2. Build for the future:

 Set aside for your children's education
 Build your retirement fund
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The amount of money that you can spend will
depend on:
 what you currently have in terms of your savings
and investments
 what you can borrow
 what you can earn

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The easiest way to earn money is to
take on a job.
This is you working for money.
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Have the right attitude
towards work. It is a
blessing rather than
slavery.
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Maximize
 Get promoted at work
 Acquire skills and competencies
 Transfer to a better paying job
or change career
 Get part-time job
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Savings is a must.
Force yourself to save.

Automatically save at least
20% of your monthly
income.
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Time tested savings tips:
 Don't spend more than what you
earn
 Expenses = Earnings less Savings,
rather than Savings =Earnings less
Expenses

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Save to invest. Put up
Assets that can earn you
money.
Make money work for you.

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Types of Investments:
1. Financial Investment
a) Debt (bonds, Tbills)
b) Equity (Shares of Stocks)
2. Property Investment
a) Real Property
b) Personal property

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Two ways to earn from investments:
1. Fruits -interests, rentals, dividends,
profits
2. Capital appreciation - increase in
value of the investment over time.

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The thing about
borrowing is that you
have to pay it back,
oftentimes with interest.
So borrow to invest.
Bigote Trading Personal Finance Model

Copyright ©2019 by Traders Lemonade Group
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There's a bad debt, there's a good
debt. Cost-benefit analysis is key.
Example:
 monthly amortization of housing
loan is comparable to a monthly
rent.
Bigote Trading Personal Finance Model  business profits is more than
Copyright ©2019 by Traders Lemonade Group interest payment of loan.
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Stock Market – Readily Available Investment Vehicle
PSEI
Y2007 – 2,900
Y2019 – 7,700

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Timing is Key in the Stock Market
Up
Trend
Sideways
Up
Trend Sideways
Up
Trend
Sideways Sideways Down
Trend
Down
Sideways Trend
Down
Trend
The Stock Market moves in Cycles
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For Retail Investors, there is a need to time the market
PSEI
Y2007 – 2,900
Y2019 – 7,700
While stock go up over time, retail traders are faced with

two realities:
1. Who’s got the money? (Timing of cash flows)
2. Who’s got the time? (Investment horizon)
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Passive Investing – ETFS,Mutual Funds,UITFs
1. Look for a fund that mimics the PSEi
2. Deploy funds in the following manner based on MA crossovers of PSEi:
MA50<MA200 MA20>MA50>MA200 MA20<MA50>MA200
MA5/MA200 = 10% MA5/MA50 = 10%

MA5/MA35 = 20%
MA5/MA100 = 40% MA5/MA35 = 40%
MA5/MA50 = 40% MA5/MA20 = 40% MA5/MA20 = 40%
MA5/MA20 = 10% MA5/MA10 = 10%

MA5/MA10 = 40%

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Phil. Funds vs. PSEi – YTD Performance
Philequity BPI Equity PSE Index Firstmetro Exchange

Fund Index Fund Trade Fund

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Bigote Trading Personal Finance Model
More funding
to satisfy more
needs and
wants.
Increased
Earnings =
Increased Copyright ©2019 by Traders Lemonade Group
Spending
Power
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Personal Finance Model
Increase your financial IQ – take control of managing

your finances from spending to investing.
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Financial
Lemonade
Trading/Investing can be
learned thru trading
Increase your education:
financial IQ = 1. Stock market

2. Unit Investment Trust
Funds (UITFs) and
Mutual Funds

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Let us help each other
The Bigote Trading Follow and Subscribe:
Financial Advocacy
Passive Investing and
Active Trading:
1. Stock market
2. Unit Investment Trust
Funds (UITFs) and
Mutual Funds

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Ultimately Personal Finance Model
We all want a happy family.
Being rich and financially independent do not

automatically guarantee happiness for us,
but it helps us fund the activities and things
that strengthen the bond between husband
and wife, our children, and people close to
our hearts.
The goal has always been pursuit of

happiness, the pursuit of money is just
incidental.
Remember always, PURPOSE FIRST,

provisions follow.
Commit to the Lord whatever you do and your

plans will succeed. –Proverbs 16:3
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DISCLAIMER
I (the man behind Bigote) make no representation that the information contained
in this material are accurate, reliable, complete, or appropriate for use as basis of
investment decisions.
The information contained herein are intended for informational and educational
purposes only and should not be regarded as recommendation.
I shall have no liability in any way to you or any other entity for any loss or damage,
direct or indirect arising from the use of the information contained herein.

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Copyright
All rights reserved.
The Bigote Trading Personal Finance Model and Life Aspects are subject
to copyright owned by the Traders Lemonade Group and Bigote Trading.
The materials may be reproduced, distributed, or transmitted in any form

or by any means, including photocopying, recording or other electronic or
mechanical methods provided the owners of the copyright are duly
credited, and by no means the materials will be part of materials for
sale without the express consent of Traders Lemonade Group and its
principals.
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Financial Lemonade

Refresh your wellbeing thru managing

Copyright (c) 2019 by Bigote Trading and Traders Lemonade

Copyright (c) 2019 by Bigote Trading and Traders Lemonade

Copyright (c) 2019 by Bigote Trading and Traders Lemonade

Your life is your

Copyright ©2019 by Financial Lemonade

Two realities that you have to live with:

Copyright (c) 2019 by Bigote Trading and Traders Lemonade

funding the God &

 What you plan to do

(OK, this is the same as a Budget)Copyright (c) 2019 by BigoteGroup

1. Establish in the present:

2. Build for the future:

Force yourself to save.

Copyright (c) 2019 by Bigote Trading and Traders Lemonade

Make money work for you.

Copyright (c) 2019 by Bigote Trading and Traders Lemonade

Copyright (c) 2019 by Bigote Trading and Traders Lemonade

Bigote Trading Personal Finance Model

Copyright (c) 2019 by Bigote Trading and Traders Lemonade

While stock go up over time, retail traders are faced with

MA5/MA200 = 10% MA5/MA50 = 10%

MA5/MA50 = 40% MA5/MA20 = 40% MA5/MA20 = 40%

MA5/MA20 = 10% MA5/MA10 = 10%

Copyright (c) 2019 by Bigote Trading and Traders Lemonade

Philequity BPI Equity PSE Index Firstmetro Exchange

Copyright (c) 2019 by Bigote Trading and Traders Lemonade

Increase your financial IQ – take control of managing

financial IQ = 1. Stock market

Copyright (c) 2019 by Bigote Trading and Traders Lemonade

Copyright (c) 2019 by Bigote Trading and Traders Lemonade

Being rich and financially independent do not

The goal has always been pursuit of

Remember always, PURPOSE FIRST,

Commit to the Lord whatever you do and your

Copyright (c) 2019 by Bigote Trading and Traders Lemonade

All rights reserved.

The materials may be reproduced, distributed, or transmitted in any form

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