How to use the Balance Sheet:

LIFESTYLE PLANNING WORKSHEET - Input your assets/liabilities. If there is none, type in zero on all gray cells.
- Savings Ratio = % of running income this year that you have saved.
- Debt-to-asset Ratio = % of your assets financed by debt
Engr. Lovely Charmaine R. Gomez - Liquidity Ratio =% of your net worth allocated to cash or cash equivalents; you can cash out within a month
Licensed Financial Advisor | Chemical Engineer | Content Creator
Connect with me: beacons.page/MissInvest
Inflation Rate: 4.20%
0908 897 5640 | [email protected]

ANNUAL BUDGET REVIEW

Month Income Budget Actual Savings Expense Summary
Jan ₱ 30,000.00 ₱ - ₱ - ₱ -
Feb ₱ 30,000.00 ₱ - ₱ - ₱ -
Mar ₱ 30,000.00 ₱ - ₱ - ₱ -
₱35,000.00
Apr ₱ 30,000.00 ₱ - ₱ - ₱ -
May ₱ 30,000.00 ₱ - ₱ - ₱ - ₱30,000.00

Jun ₱ 30,000.00 ₱ - ₱ - ₱ - ₱25,000.00

Jul ₱ 30,000.00 ₱ - ₱ - ₱ -
₱20,000.00
Aug ₱ 30,000.00 ₱ - ₱ - ₱ -
Sep ₱ 30,000.00 ₱ - ₱ - ₱ - ₱15,000.00
Oct ₱ 30,000.00 ₱ - ₱ - ₱ - ₱10,000.00
Nov ₱ 30,000.00 ₱ - ₱ - ₱ -
₱5,000.00
Dec ₱ 30,000.00 ₱ - ₱ - ₱ -
YTD ₱ 360,000.00 ₱ - ₱ - ₱ - ₱-
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

BALANCE SHEET
TOTAL ASSETS ₱ - TOTAL LIABILITIES ₱ -
Cash Equivalents ₱ - Properties ₱ - Current Liabilities ₱ - NET WORTH
Cash ₱ - Residence ₱ - Credit Card 1 ₱ -
Checking Account ₱ - Car ₱ - Credit Card 2 ₱ -
Savings Account ₱ - Jewelry ₱ - Credit Card 3
Money Market ₱ - Artworks ₱ - Banko de Mama
Others ₱ - Others ₱ - Banko de Papa
Investments ₱ - Non-current Assets ₱ - Non-current Liabilities ₱ - Savings Ratio 0.00%
Individual Stocks ₱ - Housing Mortgage ₱ - Mortgage Balance ₱ - Debt-to-Asset Ratio #DIV/0!
Forex ₱ - Car Loan ₱ - Car Loan Balance ₱ - Liquidity Ratio #DIV/0!
Crypto ₱ - VUL Fund Value ₱ -
Indices ₱ - Endowment Benefit ₱ -
Others ₱ -
MONTHLY LIFESTYLE PLANNER
✓ Dotted/pink cells are editable
Engr. Lovely Charmaine Gomez ✓ Make sure to fill in ALL cells under each monthly expense; if there is no allocation, put "0" on all cells.
Licensed Financial Advisor | Chemical Engineer | Content Creator ✓ If the YTD cell is full red, this means you have maximized your spending. If it's full green, this means you are saving more than the minimum requirement.
✓ Needs = Necessities, Savings = LTSS + Financial Freedom, Wants = Education + Play + Give
fb.com/MissInvest | instagram.com/Miss.Invest | tiktok.com/@missinvest | [email protected]

YTD Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Projected Net Income ₱ 360,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000
Salary ₱ 360,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000
Side Hustle A ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Side Hustle B ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Business ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Allowances ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Receivables ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Others ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

Target Money Jars BUDGET ALLOCATION PER MONEY JAR

55% Necessities ₱ 198,000 ₱ 16,500 ₱ 16,500 ₱ 16,500 ₱ 16,500 ₱ 16,500 ₱ 16,500 ₱ 16,500 ₱ 16,500 ₱ 16,500 ₱ 16,500 ₱ 16,500 ₱ 16,500
10% Long Term-Savings ₱ 36,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000
10% Financial Freedom ₱ 36,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000
10% Play Jar ₱ 36,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000
10% Education Jar ₱ 36,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000
5% Give Jar ₱ 18,000 ₱ 1,500 ₱ 1,500 ₱ 1,500 ₱ 1,500 ₱ 1,500 ₱ 1,500 ₱ 1,500 ₱ 1,500 ₱ 1,500 ₱ 1,500 ₱ 1,500 ₱ 1,500

55% Necessities ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Food/Groceries ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Rent/Mortgage ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Transportation ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Water ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Electricity ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Credit Card ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Phone Bill ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Internet ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Insurance ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Loan Payables ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

10% Long-term Savings for Spending ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

Emergency Fund ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Vacation ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Business Venture ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Gadgets ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Home Improvement ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Other Big Purchases ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

10% Financial Freedom ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

Stocks ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Mutual Funds ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
MP2 ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Forex Capital ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Crypto ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Business Capital ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Others ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

10% Play ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Clothes ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Shoes ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Bags/Accessories ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Dining out ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
NetFlix ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Entertainment ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Subscriptions ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Others ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

10% Education ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Books ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Training/Worshops ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Mentoring/Coaching ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

5% Give ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Family Contribution ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Tithes/Charity ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Gifts ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

Total Budget ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Needs ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Savings ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Wants ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Free Money for Savings ₱ 360,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000
Under/(Over) spending on Wants ₱ 90,000 ₱ 7,500 ₱ 7,500 ₱ 7,500 ₱ 7,500 ₱ 7,500 ₱ 7,500 ₱ 7,500 ₱ 7,500 ₱ 7,500 ₱ 7,500 ₱ 7,500 ₱ 7,500

₱35,000

₱30,000

₱25,000

₱20,000

₱15,000

₱10,000

₱5,000

₱-
J an F eb Mar Apr May Jun Jul Aug Sep Oct No v D ec

Net Income Needs Savings Wants

MONTHLY LIFESTYLE PLANNER
✓ Dotted/pink cells are editable
Engr. Lovely Charmaine Gomez ✓ Make sure to fill in ALL cells under each monthly expense; if there is no allocation, put "0" on all cells.
Licensed Financial Advisor | Chemical Engineer | Content Creator ✓ If the YTD cell is full red, this means you have maximized your spending. If it's full green, this means you are saving more than the minimum requirement.
✓ Needs = Necessities, Savings = LTSS + Financial Freedom, Wants = Education + Play + Give
fb.com/MissInvest | instagram.com/Miss.Invest | tiktok.com/@missinvest | [email protected]

YTD Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Projected Net Income ₱ 360,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000
Salary ₱ 360,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000
Side Hustle A ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Side Hustle B ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Business ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Allowances ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Receivables ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Others ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

Target Money Jars BUDGET ALLOCATION PER MONEY JAR

55% Necessities ₱ 198,000 ₱ 16,500 ₱ 16,500 ₱ 16,500 ₱ 16,500 ₱ 16,500 ₱ 16,500 ₱ 16,500 ₱ 16,500 ₱ 16,500 ₱ 16,500 ₱ 16,500 ₱ 16,500
10% Long Term-Savings ₱ 36,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000
10% Financial Freedom ₱ 36,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000
10% Play Jar ₱ 36,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000
10% Education Jar ₱ 36,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000 ₱ 3,000
5% Give Jar ₱ 18,000 ₱ 1,500 ₱ 1,500 ₱ 1,500 ₱ 1,500 ₱ 1,500 ₱ 1,500 ₱ 1,500 ₱ 1,500 ₱ 1,500 ₱ 1,500 ₱ 1,500 ₱ 1,500

55% Necessities ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Food/Groceries ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Rent/Mortgage ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Transportation ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Water ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Electricity ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Credit Card ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Phone Bill ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Internet ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Insurance ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Loan Payables ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

10% Long-term Savings for Spending ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

Emergency Fund ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Vacation ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Business Venture ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Gadgets ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Home Improvement ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Other Big Purchases ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

10% Financial Freedom ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

Stocks ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Mutual Funds ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
MP2 ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Forex Capital ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Crypto ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Business Capital ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Others ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

10% Play ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Clothes ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Shoes ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Bags/Accessories ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Dining out ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
NetFlix ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Entertainment ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Subscriptions ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Others ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

10% Education ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Books ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Training/Worshops ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Mentoring/Coaching ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

5% Give ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Family Contribution ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Tithes/Charity ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Gifts ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -

Total Spending ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Needs ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Savings ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Wants ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ - ₱ -
Free Money for Savings ₱ 360,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000 ₱ 30,000
Under/(Over) spending on Wants ₱ 90,000 ₱ 7,500 ₱ 7,500 ₱ 7,500 ₱ 7,500 ₱ 7,500 ₱ 7,500 ₱ 7,500 ₱ 7,500 ₱ 7,500 ₱ 7,500 ₱ 7,500 ₱ 7,500

₱35,000

₱30,000

₱25,000

₱20,000

₱15,000

₱10,000

₱5,000

₱-
Jan Feb Mar Ap r May Jun Jul Au g S ep Oc t Nov D ec

Net Income Needs Savings Wants

 How to use the Cash Flow Analyser:
LIFESTYLE PLANNING WORKSHEET - Input your data on gray cells only. Use dd-mmm-yyyy (01-Jan-1991) format for all dates.
- Mandatory Data: Birthdate, Retirement Age, Monthly Income and estimated Daily Expense
- Do not leave a cell under "Cost" column blank, put zero for no expense
Engr. Lovely Charmaine R. Gomez - Basic Cash Flow: 20% Savings, 50% Needs, 30% Wants
Licensed Financial Advisor | Chemical Engineer | Content Creator - You can duplicate this sheet to monitor Your Lifestyle on a monthly basis.

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0908 897 5640 | [email protected] Inflation Rate: 4.20% Tuition Fee Hike: 6.96%

Date 28-Jun-21 Birthdate 01-Jan-90 Current Age 31

Name Juan Dela Cruz Retirement Age 60 Working Years 29
Email Monthly Income ₱60,000.00 Future Value -₱197,895.15
Contact No. Daily Expense ₱500.00 Future Value -₱1,703.37

YOUR LIFESTYLE

Needs 30% Savings 50% Wants 20%

Description Cost Description Cost Description Cost
House Rent ₱15,000.00 Mutual Fund ₱10,000.00 Online Shopping ₱3,000.00
Utilities - Water, Electricity Insurance No. 1 Travel
Internet Insurance No. 2 Entertainment
Mobile Additional Emergency Fund Subscriptions - NetFlix, Spotify, etc.
Transportation Family Contribution
Food/Groceries

TOTAL ₱10,000.00 TOTAL ₱3,000.00

Minimum Amount ₱30,000.00 Limit ₱12,000.00
Amount not invested ₱20,000.00 Excess Spending ₱0.00

MAGIC NUMBER
TOTAL ₱15,000.00 You need:

➤
This is the future value of your current Needs and
Limit ₱18,000.00
Unused Allocation ₱3,000.00
Wants starting from retirement until 80y.o.
(e.g. If you retire at 60 y.o.; this amount will sustain (₱14,244,513)
you for 20 years or from age 60 - 80)
Excess Spending ₱0.00 to afford the same Needs & Wants during retirement.
-59352.14
YOUR CASH FLOW

➤
You need to save:
Needs 25.00% AT RISK This is how much you need to save monthly starting

Savings 16.67% UNHEALTHY

today until you retire to be reach your Magic
Number.
(₱40,932.51)
Wants 5.00% HEALTHY per month today until you retire.
Monthly Expense ₱18,000.00

Notes
Nagulat ka rin ba sa laki ng Magic Number mo? That's what inflation does.

What do I suggest? Don't save now. Postpone savings for later. But remember, the more you delay, the larger the amount you would need to save in the future.

Wanna talk about it?

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