Peso Wise

09/05/2025

01/04/2025

📢 𝘼𝙥𝙧𝙞𝙡 na! Time to Review Your Finances! 💰📊

Bagong buwan, bagong pagkakataon para ayusin ang budget at investments mo! 🚀 Huwag hayaang lumipas ang panahon nang hindi mo tinitingnan ang financial health mo.

✅ 𝗖𝗵𝗲𝗰𝗸 𝘆𝗼𝘂𝗿 𝗯𝘂𝗱𝗴𝗲𝘁—may mga gastusin ka bang puwedeng bawasan?
✅ 𝗥𝗲𝘃𝗶𝗲𝘄 𝘆𝗼𝘂𝗿 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁𝘀—Tama pa ba ang strategy mo?
✅ 𝗣𝗹𝗮𝗻 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗳𝘂𝘁𝘂𝗿𝗲—summer is here! May travel plans ka ba? Paano ang savings mo?

Kung gusto mo ng financial check-up, message me! 📩 Let’s make sure that every peso you earn works for you. 💡💸

22/03/2025

𝑰𝑻’𝑺 𝑵𝑶𝑻 𝑨𝑩𝑶𝑼𝑻 𝑯𝑶𝑾 𝑴𝑼𝑪𝑯 𝒀𝑶𝑼 𝑬𝑨𝑹𝑵, 𝑰𝑻’𝑺 𝑨𝑩𝑶𝑼𝑻 𝑯𝑶𝑾 𝑴𝑼𝑪𝑯 𝒀𝑶𝑼 𝑺𝑨𝑽𝑬 𝑨𝑵𝑫 𝑰𝑵𝑽𝑬𝑺𝑻!

📌 Scenario 1:
• Earns Php 20,000 a month
• Saves and invests Php 3,500 monthly
• Chooses to retire with passive income

📌 Scenario 2:
• Earns Php 50,000 a month
• Doesn’t save and invest
• Has to work continuously

Simulan mo na ngayon ang tamang paghawak ng pera—mag-set ng budget, mag-ipon kahit maliit, at pag-aralan ang tamang investment options. Tandaan, bawat sentimo na inilalaan mo para sa kinabukasan ay isang hakbang papunta sa financial freedom. Start saving and investing now—your future self will thank you!

18/03/2025

💰 𝑆𝑚𝑎𝑟𝑡 𝑀𝑜𝑛𝑒𝑦 𝑀𝑎𝑛𝑎𝑔𝑒𝑚𝑒𝑛𝑡 𝑇𝑖𝑝𝑠 𝑓𝑜𝑟 𝑎 𝐵𝑟𝑖𝑔ℎ𝑡𝑒𝑟 𝐹𝑢𝑡𝑢𝑟𝑒! 💰
-Take control of your finances with these essential money management tips:

​💰 𝗖𝗿𝗲𝗮𝘁𝗲 𝗮 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗯𝘂𝗱𝗴𝗲𝘁 – Know where your money is going.
​📝𝗧𝗿𝗮𝗰𝗸 𝘆𝗼𝘂𝗿 𝘀𝗽𝗲𝗻𝗱𝗶𝗻𝗴 – Avoid impulsive purchases and prioritize wisely.
​💹 𝗦𝗮𝘃𝗲 𝗳𝗼𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁– Start early and secure your future.
💸 𝗣𝗹𝗮𝗻 𝘁𝗼 𝗽𝗮𝘆 𝗼𝗳𝗳 𝗱𝗲𝗯𝘁 – Financial freedom starts with being debt-free.
​💳 𝗕𝘂𝗶𝗹𝗱 𝗴𝗼𝗼𝗱 𝗰𝗿𝗲𝗱𝗶𝘁 𝗵𝗮𝗯𝗶𝘁𝘀 – Responsible credit use leads to a better financial future.
​🤑 𝗜𝗺𝗽𝗿𝗼𝘃𝗲 𝘆𝗼𝘂𝗿 𝗺𝗼𝗻𝗲𝘆 𝗺𝗶𝗻𝗱𝘀𝗲𝘁 – A positive approach to money is key to success!

Start making better financial decisions today! 🚀

16/03/2025

𝐁𝐚𝐤𝐢𝐭 𝐩𝐚𝐥𝐚𝐠𝐢𝐧𝐠 𝐤𝐮𝐥𝐚𝐧𝐠 𝐚𝐧𝐠 𝐬𝐰𝐞𝐥𝐝𝐨?

𝐒𝐰𝐞𝐥𝐝𝐨 𝐤𝐚𝐡𝐚𝐩𝐨𝐧, 𝐮𝐛𝐨𝐬 𝐧𝐚 𝐧𝐠𝐚𝐲𝐨𝐧?😟
Parang ambilis lang ng pera, ‘no? Kahapon lang dumating, ngayon wala na! Pero don’t worry, may paraan para mas maging sa paghawak ng pera mo.

💰 Simple tips para hindi lagi kang butas ang bulsa:

𝟏. 𝑮𝒖𝒎𝒂𝒘𝒂 𝒏𝒈 𝒃𝒖𝒅𝒈𝒆𝒕– Ilista ang income at expenses mo para alam mo kung saan napupunta ang pera. Try mo yung 50-30-20 rule:
📌 50% – Needs (rent, bills, pagkain)
📌 30% – Wants (shopping, travel, kape-kape)
📌 20% – Savings & Investments (ipon, emergency fund, business)

𝟐. 𝑰𝒘𝒂𝒔𝒂𝒏 𝒂𝒏𝒈 𝒊𝒎𝒑𝒖𝒍𝒔𝒊𝒗𝒆 𝒔𝒑𝒆𝒏𝒅𝒊𝒏𝒈 – Yung biglaang gastos na hindi naman kailangan? Naku, iwas-iwasan muna! Bago bumili, tanungin ang sarili: Kailangan ko ba talaga ‘to o trip-trip lang?

𝟑. 𝑴𝒂𝒈-𝒔𝒆𝒕 𝒏𝒈 𝒇𝒊𝒏𝒂𝒏𝒄𝒊𝒂𝒍 𝒈𝒐𝒂𝒍𝒔– Anong goal mo? Gusto mo bang makapag-ipon para sa travel, bahay, sasakyan, o retirement? Mag-set ng clear goals para motivated kang magtipid at mag-ipon!

💡 Kontrolin ang pera mo, bago pa ito ang kumontrol sa’yo!
Masarap sa feeling kapag ikaw ang may hawak sa finances mo, hindi yung lagi kang kinakabahan bago dumating ang next sweldo!

📩 Message me for a 𝗙𝗥𝗘𝗘 budgeting guide!
May ginawa akong simple at madaling sundan na budgeting guide—LIBRE lang! I-message mo lang ako para matulungan kitang mag-start sa wais na paghawak ng pera!

10/03/2025

𝗠𝗮𝘆 𝗣𝗲𝗿𝗮 𝗞𝗮 𝗕𝗮 𝗼 𝗠𝗮𝘆 𝗨𝘁𝗮𝗻𝗴 𝗞𝗮? 💰🔍

📌 𝘜𝘵𝘢𝘯𝘨 𝘴𝘢 𝘊𝘳𝘦𝘥𝘪𝘵 𝘊𝘢𝘳𝘥 = ❌
–Okay lang gumamit ng credit card, pero kung hindi mo ito nababayaran nang buo kada buwan, ang interes ay lalong magpapabigat sa’yo. Imbis na ikaw ang may control sa pera mo, baka ang utang mo na ang kumokontrol sa’yo! If not managed properly, it becomes a financial trap that limits cash flow and increases financial stress.

📌 𝘗𝘢𝘴𝘴𝘪𝘷𝘦 𝘐𝘯𝘤𝘰𝘮𝘦 = ✅
– Hindi lang sweldo ang pwedeng pagkunan ng kita. Building passive income through investments, businesses, or assets that generate cash flow allows money to work for you. This leads to financial freedom by reducing dependence on active income (salary-based earnings).

💡𝐒𝐦𝐚𝐫𝐭 𝐦𝐨𝐧𝐞𝐲 𝐦𝐚𝐧𝐚𝐠𝐞𝐦𝐞𝐧𝐭 is key – Debt can be a liability, while investments create long-term security. The path to wealth is about making money work for you, not the other way around.

10/12/2024

You never know when you'll become uninsurable 🥹

Hindi "marketing tactic" ung sinasabi ng insurance advisors that not everyone is insurable.

We usually take it for granted, iniisip natin "next time na, di pa priority" until it's too late.

Akala natin dahil bata pa tayo, maaapprove agad tayo when we apply so pinagpapaliban natin.

Don't wait until it's too late.

I'm only 26. I already have an existing policy with critical illness benefits, but I'm applying for a 2nd one kasi gusto kong dagdagan. But because of my diagnosed health condition, na I didn't think would have an effect on my insurability, may chance na di na ko makakuha ng additional policy.

I'm still hoping my 2nd application gets approved though. 🤞

But please, take it seriously when we say.. Apply for an insurance policy while you're still healthy. Para di na kayo mahassle to undergo full medical exam when you apply, and di kayo maging alanganin on getting approved. 🙏

My recommended amount of coverage for critical illness is 2 million pesos dapat. Maximum allowable is 10 million. Dahil seriously, mahal magka-critical illness sa Pilipinas.

Please, take it seriously. This is the reason why I joined this industry - when I was in the healthtech startup industry, kitang kita ko kasi yung effect of finances sa health outcomes of critical illness cases. A lot of people don't know na may critical illness insurance plans na pwedeng iavail aside from PhilHealth and HMO. Kasi honestly, kulang talaga pag yang dalawa lang.

Yung parents ko, I got them critical illness insurance policies when they were 49 years old. Kasi if ever something happens to them (wag naman sana), I do not want to feel helpless. I want to make sure to get the best care possible for them in case that happens (pero I always pray pa rin na wag sila, please). When I processed their application, hindi sila nirequire to undergo medical exam, approved agad ung policies nila! Tapos ako eto, required. 😅😓

This is my advocacy and I mean it when I say, get insured ASAP while you're healthy AND make sure you have ENOUGH CRITICAL ILLNESS BENEFITS. And make sure your immediate family members get protected too. 🙏

15/11/2024

Why Rich gets Richer 🤔

10/10/2024

𝗜 𝗮𝗺 𝗮𝗻 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗔𝗴𝗲𝗻𝘁.

I am an insurance agent, and I sell more than just insurance policies.

I offer 𝙥𝙚𝙖𝙘𝙚 𝙤𝙛 𝙢𝙞𝙣𝙙, 𝙖 𝙥𝙧𝙤𝙢𝙞𝙨𝙚 𝙤𝙛 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙥𝙧𝙤𝙩𝙚𝙘𝙩𝙞𝙤𝙣 when life’s uncertainties come your way.

You may not need it now, and I hope you never have to. But when rough times happen—like a critical illness, a disability, or the loss of a loved one—I make sure you’re financially prepared.

I provide financial solutions that step in when you can’t, taking care of your family, providing for their needs, and ensuring that life still goes on for them…

𝙄 𝙖𝙢 𝙥𝙧𝙤𝙪𝙙 𝙩𝙤 𝙗𝙚 𝙖𝙣 𝙞𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 𝙖𝙜𝙚𝙣𝙩, 𝙝𝙚𝙡𝙥𝙞𝙣𝙜 𝙮𝙤𝙪 𝙥𝙧𝙤𝙩𝙚𝙘𝙩 𝙬𝙝𝙖𝙩 𝙢𝙖𝙩𝙩𝙚𝙧𝙨 𝙢𝙤𝙨𝙩. 💛

10/10/2024

Imbis na ipon mo ang gastusin mo kapag nagkasakit ka at ang pamilya mo, bakit hindi ka kumuha ng insurance para kapag may nagkasakit sa inyo, insurance ang magbabayad at hindi mo magagalaw ang ipon mo?

FACT: Walang naghirap dahil kumuha sila ng insurance plan. Pero meron mga naghirap dahil wala sila nito. 💯

Get your plan today. Talk to an EXPERIENCED and TRUSTED financial advisor.
💌 Peso Wise Angelica Joyce Marquez

10/10/2024

Why do I have many clients now getting the "pension" plan, Elite 10? See below 😊

Ang forever plan mo na magbibigay ng GUARANTEED payouts forever!
💛 𝐒𝐔𝐍 𝐒𝐌𝐀𝐑𝐓𝐄𝐑 𝐋𝐈𝐅𝐄 𝐄𝐋𝐈𝐓𝐄 𝐏𝐄𝐒𝐎 𝟏𝟎 💛

Magbibigay si Sun Life ng 8% GUARANTEED Cash Benefit on the 6th year of the policy, and every other year thereafter until age 100 🙂
Sun Smarter Life Elite 10 summary:

✅ Double ang face amount upon death of the insured
✅ Meron syang GUARANTEED 8% na endowment benefit
✅ Meron kang cash dividends yearly
✅ Depende sa laki ng face amount ang laki ng 8% endowment benefit na makukuha
✅ Okay siya sa taong may hesitations sa VUL, kung hindi sila comfortable iinvest sa stocks ang pera nila
✅ Perfect para sa mga taong sigurista
✅ 10 years to pay only!

For example if you have
1,000,000 face amount..
8% is the guaranteed endowment benefit. That is equal to 80,000 starting on the 6th yr.
On your,
6th year : 80,000 + dividends
8th year: 80,000 + dividends
10th year: 80,000 + dividends
12th year: 80,000 + dividends
14th, 16th. . .and so on...until 100 years old!

PM me if you want a personalized quote. 🙂