The Royo Family

14/05/2024

"Appreciate the efforts. When someone is giving their all to make you feel special and better, appreciate it.
Not everyone would do that for you. Not everyone would go their limits and beyond to make you feel loved.

Efforts are rare so appreciate it before it starts to fade because no matter how much a person cares about you, if their constant efforts aren't appreciated properly, it would push them away slowly.

So appreciate and value those efforts before you are left with a lot of regrets and grief."

Thank you daddy, I appreciate all your efforts ❤️

10/05/2024

Having a strong and healthy relationship requires more than just love. It involves understanding, communication, and teamwork. Love is a powerful emotion, but it alone cannot sustain a relationship in the long run. Understanding each other's needs, perspectives, and emotions is crucial for a successful partnership.

Expressing your feelings instead of passing judgments is key in maintaining a healthy dynamic. It's important to create a safe space where both partners can openly share their emotions without fear of judgment or rejection. By allowing yourself and your partner to express and process emotions, you can deepen your connection and strengthen your bond.

In any relationship, it's important to remember that nobody is perfect. We all have flaws and imperfections, and that's okay. What matters is the level of understanding and acceptance we have for each other. When partners truly understand and accept one another, the small imperfections become insignificant compared to the love and support they share.

Building a relationship based on understanding rather than judgment creates a foundation of trust and respect. When you focus on understanding your partner's perspective and experiences, it becomes easier to navigate challenges and conflicts together. This approach fosters a sense of unity and teamwork, allowing both partners to work towards finding solutions and making the relationship stronger.

Ultimately, finding someone who truly understands and accepts you for who you are is a beautiful thing. It's about finding a person who sees your flaws and still chooses to love you unconditionally. This kind of connection provides a sense of security and comfort, knowing that your partner will stand by your side through the ups and downs of life.

So, prioritize understanding and open communication in your relationships. Create an environment where both partners feel safe to express themselves and work together as a team. With understanding as the foundation, you can build a loving and lasting relationship that withstands any challenges that come your way.

~

07/05/2024

So this is love ☕️

22/02/2024

walang ibang tutulong sa'yo kundi sarili mo lang. 💯

_toni

20/02/2024

Siguro iniisip nyo the most important decision you’ll make in life is purchasing a house, car or investments.

Pero sa tingin ko one of the most important decision of your life is your partner, partner mo sa lahat ng challenges and success.

“One of the most important decision you have to make in life is whom you’re going to marry. That decision will dictate the rest of your life, whether you will have a happy life or miserable one.”

Marry a good person.

Ang asawa mo dapat kakampi mo sa kasayahan at hindi source ng misery. 🧡♥️

DUN TAYO SA SASAMAHAN TAYONG UMANGAT! 😍

The most important decision in life is who you choose as your partner; it dictates how happy you become, how much money you make, your impact on the world, how long you live, and so much more. CHOOSE WISELY.

31/01/2024

Thank you Lord!
3 years na, kunting kembot nalang

31/01/2024

11/12/2023

Charge ko muna, empty na eh. 🥲
FULL CHARGE SANA 100%

24/11/2023

Car with kids 😄

23/11/2023

MY SMALL INVESTMENT TIPS FOR YOU!

My Budgeting Rule is:
60-20-20

60% for operating expenses
20% for wants
20% for savings and investment

As much as possible, ayokong maging burden in the future.

My savings was dividend into three parts:
(1) Pleasure Fund
(2) Retirement Fund
(3) Emergency Fund

Here's my investment tips na meron ako! I won't share this if I don't practice or doing it.

𝗠𝗣𝟮 - 𝗮 𝘃𝗼𝗹𝘂𝗻𝘁𝗮𝗿𝘆 𝘀𝗮𝘃𝗶𝗻𝗴 𝘁𝗼 𝗣𝗮𝗴-𝗶𝗯𝗶𝗴 𝗙𝘂𝗻𝗱𝘀
✅ money will grow atleast 6% yearly and it will accummulate for the following years.

Kailangan may goal ka per month, how much money you will deposit to your MP2 account.

Let say,
1K per month
12K in a year

I can say that your savings in your first year will grow up to 6%-7% dividend rates.

Syempre sa long term tayo atleast 5 years para may resulta. Nag-aaccumulate ang tubo niya kasi na aadd sya sa ipon mo.

𝗜𝗳 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁 𝘁𝗼 𝘀𝘁𝗮𝗿𝘁 𝘆𝗼𝘂𝗿 𝗠𝗣𝟮 𝗩𝗼𝗹𝘂𝗻𝘁𝗮𝗿𝘆 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 𝗵𝗲𝗿𝗲'𝘀 𝘁𝗵𝗲 𝗹𝗶𝗻𝗸:
https://www.pagibigfundservices.com/MP2Enrollment/Default.aspx

𝗗𝗶𝗴𝗶𝘁𝗮𝗹 𝗕𝗮𝗻𝗸𝘀

✅PayMaya
✅CIMB
✅Tonik Bank

'yan ang digital banks na nasubukan ko, pero marami pa sila.

Your savings will grow up to 4% to 6% annual interest rates, not bad.

Exciting part of investing is kung may VUL ka na?

𝗩𝗨𝗟 - 𝗶𝘁 𝗶𝘀 𝗮𝗻 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗽𝗹𝘂𝘀 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻 4 in 1 Investment Linked Insurance comprise of
✅ Life Insurance
✅ Health Insurance
✅ Accident Benefit
✅ Savings with Projected Fund Value at 10% return.

Why I have this plan? Kasi ayokong ma wipe out savings ko in a blink of eyes kapag nagkasakit ako.

Traditional bank have less than 1% interest per year without any insurance coverage.

Nag-iipon ka lang ba sa bank para ipambayad sa hospital bills mo?
or hindi mo na iisipin ang hospitalization, critical illness, or other unforseen event in life. Kasi matagal pa naman 'yon.

It's up to you pero mas better pa rin

"𝗔𝗹𝘄𝗮𝘆𝘀 𝗽𝗹𝗮𝗻 𝗮𝗵𝗲𝗮𝗱. 𝗜𝘁 𝘄𝗮𝘀𝗻'𝘁 𝗿𝗮𝗶𝗻𝗶𝗻𝗴 𝘄𝗵𝗲𝗻 𝗡𝗼𝗮𝗵 𝗯𝘂𝗶𝗹𝘁 𝘁𝗵𝗲 𝗮𝗿𝗸." 😊

I have this plan kasi kailangan maggrow ang savings dahil may inflation rate.

Imagine this, you save 20K this year pero ni hindi man lang tumubo ng at least 4%. So, next year talo na agad ang 20K mo dahil ang value niya is humina na.

Inflation rate in the Philippines increased up to 6% in a year. Hindi mo matatalo ang inflation pero makakaya mo siyang sabayan.

Savings in VUL can grow min 4% - 10%

Pero ano ba talaga ang savings?

Kapag sinabi mong savings. Dapat ang goal nito is mag generate ng additional income for you.

Allow your savings to grow, don't just keep it under your pillow or in your wallet. Kasi years will pass, hihina ang purchasing power niyan.

𝙍𝙚𝙢𝙚𝙢𝙗𝙚𝙧 𝙩𝙝𝙞𝙨:
The day you plant the seed is not the day you eat the fruit. Walang instant sa buhay, it takes time 🩷

Kapag mag-iinvest ka, doon ka sa matagal pero siguro at sa may kredibilidad. Kapag mabilis ang balik sigurado scam iyan. Protect your hard-earned income.

I trust 𝙎𝙪𝙣 𝙇𝙞𝙛𝙚 whatever happens kasi 128 years na silang namamayagpag.

I trust 𝙋𝙖𝙜-𝙞𝙗𝙞𝙜 𝙁𝙪𝙣𝙙𝙨 dahil stable sila.

I trust 𝘿𝙞𝙜𝙞𝙩𝙖𝙡 𝘽𝙖𝙣𝙠𝙨 kasi BSP registered sila.

Don't put all your eggs in one basket.

Kailangan mo rin ito, pero tips lang naman. Ikaw pa rin ang magdedecide kung anong klase bang future ang gusto mo. ✨

Baka may gusto kang simulan, at hindi mo alam kung paano?

Connect with me, I would love to help you as early as now 🩷

Saving Tips l Finance l Budgeting Rule

04/11/2023

04/11/2023

LASAGNA ゚