Joey B. Luna,AFP

Joey B. Luna,AFP Be financially educated Pinoy?

May kumikita ng P50k pero laging kapos.May kumikita ng P15k pero tahimik ang buhay.Hindi palaging tungkol sa laki ng kit...
01/07/2025

May kumikita ng P50k pero laging kapos.
May kumikita ng P15k pero tahimik ang buhay.
Hindi palaging tungkol sa laki ng kita—
kundi kung paano niyo ito pinapangalagaan.

Kasi totoo lang,
may mga mag-partner na malaki ang income pero walang ipon.
Laging may away, laging may kulang.
Tapos may iba, sakto lang ang kita pero may plano, may peace, may progress.

It’s not the amount—it’s the alignment.
Yung magkasama kayo, hindi lang para kumita,
pero para bigyan ng saysay ang kinikita.

Yung nag-uusap bago gumastos.
Yung marunong magsabing “huwag muna” sa wants,
para makasagot ng “yes” sa mga pangarap.

Because real love isn’t just about moments.
It’s about mindsets.
Packed lunch, budget nights, cancelled checkouts,
at mga tanong na,
“Where do we want to be five years from now?”

Hindi kailangang mayaman para tumibay.
Ang kailangan: pagkakaisa sa values, vision, at disiplina.

Kapag marunong sa piso,

handa sa milyon.

18/06/2025

Join us on June 21 at 9:30 AM and June 22 at 5:30 PM for the IMG WORKSHOP 1 Increase Cash Flow and Debt Management!

Be trained by our passionate Financial Mentors, Joen De Las P***s, Bart Borja, and Noel Arandilla!

Register now, Financial Educators! Don’t miss the chance to get certified once you finish all the workshops waiting for you!

Register here: http://img-corp.net/events/zoom/




18/06/2025

Kung kaya natin pag- ipunan huwag na nating utangin?

18/06/2025

Whatever the size of you income doesn't matter but the matter the most is how much you save and invest?

⚠️ Some lessons about money.1. Must have EMERGENCY FUND - enough for 6 months of expenses/current lifestyle. Have a Heal...
18/06/2025

⚠️ Some lessons about money.

1. Must have EMERGENCY FUND - enough for 6 months of expenses/current lifestyle. Have a Health Emergency Fund too.

2. SAVE MONEY and MONEY WILL SAVE YOU. Don’t save what is left after spending. Only spend what is left after saving.

3. Best to have ZERO DEBT. If you can’t pay cash, you CAN’T AFFORD it, nothing beats PEACE OF MIND.

4. Avoid unnecessary spendings. Forget sale price, everything is 100% off when you don’t buy it. Don’t waste your money on things that you don’t need, even if they are cheap. EVERY PESO COUNTS!

5. Learn to BUDGET - it is telling your money where to go instead of wondering where it went.

6. If we buy things that we don’t need, we will have to SELL THINGS THAT WE NEED.

7. PRETENDING TO BE RICH can make us poor. Must learn to live BELOW MEANS. Don’t go broke trying to look rich. ACT YOUR WAGE.

8. MONEY IS NOT EVERYTHING, but we cannot deny the fact that we need money for our family.

9. INVEST SMALL AMOUNT CONSISTENTLY and you will be rich overtime.

10. If there are people dependent on your income like your spouse, children, parents or siblings, then chances are YOU REALLY NEED LIFE INSURANCE.

Learn it well. Financial Education is the 🔑.

“𝑾𝒉𝒚 𝑺𝒂𝒗𝒊𝒏𝒈 𝑰𝒔𝒏’𝒕 𝑬𝒏𝒐𝒖𝒈𝒉”⁣⁣Real talk:⁣𝐒𝐚𝐯𝐢𝐧𝐠 𝐚𝐥𝐨𝐧𝐞 𝐰𝐨𝐧’𝐭 𝐦𝐚𝐤𝐞 𝐲𝐨𝐮 𝐰𝐞𝐚𝐥𝐭𝐡𝐲.⁣⁣Sure, may ipon ka.⁣Pero kung nakatago lang s...
11/06/2025

“𝑾𝒉𝒚 𝑺𝒂𝒗𝒊𝒏𝒈 𝑰𝒔𝒏’𝒕 𝑬𝒏𝒐𝒖𝒈𝒉”⁣

Real talk:⁣
𝐒𝐚𝐯𝐢𝐧𝐠 𝐚𝐥𝐨𝐧𝐞 𝐰𝐨𝐧’𝐭 𝐦𝐚𝐤𝐞 𝐲𝐨𝐮 𝐰𝐞𝐚𝐥𝐭𝐡𝐲.⁣

Sure, may ipon ka.⁣
Pero kung nakatago lang sa alkansya o sa savings account na maliit ang interest...⁣
Hindi yan lalago.⁣

Inflation is real.⁣
Habang natutulog ang pera mo, bumababa ang halaga nito.⁣
That’s why saving is just the first step.⁣

The next step?⁣
Let your money work for you.⁣
💡 Invest in things that grow—stocks, bonds, mutual funds, or even a small business.⁣
💡 Don’t just save. Multiply your money.⁣
💡 Start small but start smart.⁣

You don’t need to be rich to invest.⁣
You just need to start.⁣
Habang bata ka pa, habang kaya mo pa.⁣
Because the longer you wait,⁣
The more opportunities you miss.⁣

Saving is good.⁣
But investing?⁣
That’s how you build wealth.⁣

📩 Talk to me and 𝑫𝒊𝒔𝒄𝒐𝒗𝒆𝒓 how easy it is to 𝒔𝒆𝒄𝒖𝒓𝒆 your 𝑷𝒆𝒂𝒄𝒆-𝑶𝒇-𝑴𝒊𝒏𝒅! No pressure, just clarity!⁣

⁣𝑨𝒃𝒐𝒖𝒕 𝑴𝒆: Joey B. Luna,AFP

Or check linkbio:

https://504894ph.imgcorp.com/linkbio

𝗞𝗮𝗵𝗶𝘁 𝗮𝗻𝘂𝗻𝗴 𝘀𝗶𝗸𝗮𝗽 𝗻𝗮𝘁𝗶𝗻 𝗸𝘂𝗻𝗴 𝗵𝗶𝗻𝗱𝗶 𝗺𝗮𝘁𝗶𝗯𝗮𝘆 𝗼 𝘁𝗮𝗺𝗮 𝗮𝗻𝗴 𝗽𝗮𝗴 𝗯𝘂𝗼 𝗻𝗴 𝗽𝘂𝗻𝗱𝗮𝘀𝘆𝗼𝗻 𝗯𝗮𝗯𝗮𝗹𝗶𝗸 𝗮𝘁 𝗯𝗮𝗯𝗮𝗹𝗶𝗸 𝗸𝗮 𝘀𝗮 𝘀𝗶𝗺𝘂𝗹𝗮.𝐄𝐭𝐨 𝐚𝐧𝐠 𝐭𝐚𝐦𝐚𝐧...
11/06/2025

𝗞𝗮𝗵𝗶𝘁 𝗮𝗻𝘂𝗻𝗴 𝘀𝗶𝗸𝗮𝗽 𝗻𝗮𝘁𝗶𝗻 𝗸𝘂𝗻𝗴 𝗵𝗶𝗻𝗱𝗶 𝗺𝗮𝘁𝗶𝗯𝗮𝘆 𝗼 𝘁𝗮𝗺𝗮 𝗮𝗻𝗴 𝗽𝗮𝗴 𝗯𝘂𝗼 𝗻𝗴 𝗽𝘂𝗻𝗱𝗮𝘀𝘆𝗼𝗻 𝗯𝗮𝗯𝗮𝗹𝗶𝗸 𝗮𝘁 𝗯𝗮𝗯𝗮𝗹𝗶𝗸 𝗸𝗮 𝘀𝗮 𝘀𝗶𝗺𝘂𝗹𝗮.

𝐄𝐭𝐨 𝐚𝐧𝐠 𝐭𝐚𝐦𝐚𝐧𝐠 𝐩𝐫𝐢𝐨𝐫𝐢𝐭𝐲 𝐬𝐚 𝐩𝐚𝐠 𝐜𝐫𝐞𝐚𝐭𝐞 𝐧𝐠 "𝐒𝐎𝐋𝐈𝐃 𝐅𝐈𝐍𝐀𝐍𝐂𝐈𝐀𝐋 𝐅𝐎𝐔𝐍𝐃𝐀𝐓𝐈𝐎𝐍."

✅ 𝐇𝐄𝐀𝐋𝐓𝐇𝐂𝐀𝐑𝐄 -- Ang una mong binubuo dahil sa ikaw ang money machine ng iyong pamilya.

✅ 𝐏𝐑𝐎𝐓𝐄𝐂𝐓𝐈𝐎𝐍 -- Proteksyonan mo ang iyong pamilya dahil mahal mo sila at hindi mo sila iiwananang luhaan.

✅ 𝐄𝐋𝐈𝐌𝐈𝐍𝐀𝐓𝐄_𝐃𝐄𝐁𝐓𝐒 -- Kung kaya mong mamuhay na walang binabayarang utang. Hinding hindi ka kukulangin sa kinikita mong sahod tuwing buwan.

✅ 𝐄𝐌𝐄𝐑𝐆𝐄𝐍𝐂𝐘 𝐅𝐔𝐍𝐃𝐒 -- Dahil ang emergency ay hindi nagpapaalam kung kailan sya darating. Kusa itong dumarating sa buhay ng tao. Halimbawa nalang sa panahon ng tag ulan o bagyo meron kang funds na gagalawin at para hindi mo na kailangang mangutang pa.

✅ 𝐈𝐍𝐕𝐄𝐒𝐓𝐌𝐄𝐍𝐓 -- Masarap mamuhay kung ang mga pinaghirapan mo ay nakakatulong sayo lalo na sa panahon ng iyong pag re-ritero.
30M2030

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MESSAGE US TO GUIDE YOU!

Financial literacy is sweet because it helps you:Save moneyAvoid debtMake smart choicesPlan for the futureFeel more in c...
10/06/2025

Financial literacy is sweet because it helps you:

Save money

Avoid debt

Make smart choices

Plan for the future

Feel more in control

It’s basically knowing how to use money wisely — and that’s always a good thing.

Prosperity begins in the mind, before it goes to the pocket.

Mr. Rex Mendoza

IMG's Investment Mentor & Financial Coach



Cto

Got lost and don’t even have any insurance? ninerbyos ka tuloy kung left or right! 😅Same goes for life. Secure your heal...
09/06/2025

Got lost and don’t even have any insurance? ninerbyos ka tuloy kung left or right! 😅

Same goes for life. Secure your health protection first before anything else.

That’s why Kaiser 3-in-1 Long-Term Healthcare is a smart choice!
✔️ Healthcare
✔️ Insurance
✔️ Investment — all in one plan!

💡 If you die too soon – Kaiser covers your insurance.
💡 If you get sick – Kaiser takes care of your hospitalization.
💡 If you live too long – Kaiser still got you, because it's long term care and your money is working for you through investment.

Start smart. Secure your future today. 💼💚

08/06/2025
08/06/2025

Here's a thing:

1. Turning P1,000 into P1,003 is called a bank.
2. Turning P1,000 into P1,300 is called an investment.
3. Turning P1,000 into P1,000,000 is called INSURANCE PLAN.

When a person dies:
1. A gift of P2,000 could be from friends.
2. A gift of P20,000 could be from relatives.
3. A gift of P200, 000 could be from parents or siblings.
4. A gift of 2 MILLION or MORE could be from INSURANCE.

A person no matter how capable he is in his lifetime cannot avoid

2 things: DEATH and SICKNESS. It's certain to happen at any point of our life. It's better to plan years ahead than to be a day too late.

Kapag mahirap ka pa at wala ka pang malaking ipon, mas kailangan mo ng Life Insurance para may maipamana kang income hindi ang kahirapan incase of die too soon.
Magpa INSURED ka na habang pwedi pa!

Just send me a message. 🤝 Joey Batocabe Luna

08/06/2025

Making money is Action, keeping money is behavior and growing money is knowledge?

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