PINOY’S GUIDE TO MANAGING FINANCES © 2007
Ateneo - Economic Policy Reform and Advocacy
(EPRA) Project
A. Getting the Basics Right
. . . . . . . . . . . . . . . .1. Where does your money go?
2. What is ‘consumption’?
3. What is ‘protection?
4. What are ‘savings and investments’?
5. What are taxes?
6. How important are ‘protection’ and ‘savings and
investments’ relative to ‘consumption’ expenses?
7. If your employer is already doing your savings and
protection, why should you do more?
8. How do you save and protect yourself and your
family?
B. Financial Planning . . . . . . . . . . . . . . . . . . .
9. What are family goals and how do you set them?
10. How do you set a time frame for each goal?
11. How will each family member contribute to the
achievement of the family goals?
12. What is your complete family budget?
13. After accomplishing the family budget, what is left
for you to save?
C. Letting Your Money Grow . . . . . . . . . . . . . . .
14. What do you do with the money left over after
meeting your family goals?
15. What instruments can you invest in directly?
16. What should you consider when making an
investment?
17. How do you balance safety, liquidity and return?
18. When dealing with a bank, how do you protect your
self from losing your investments?
19. What about investing your money in your own
business?
Appendix A : Insurance Products and Pension Plans
Appendix B : Family Budget Worksheets
Appendix C : Pre-Need Plans
Appendix D : Types of Risk
Appendix E : Government Securities
Appendix F : Types of Mutual Funds
