| MR. REY E. CALOOY | |||||||||||||||||
| PERSONAL SAVINGS STATEMENT | |||||||||||||||||
| ONE -YEAR FINANCIAL GOAL | |||||||||||||||||
| FORMULA | |||||||||||||||||
| INCOME-SAVINGS=EXPENSES | |||||||||||||||||
| 1-Jan-91 | feb | march | april | may | jun | july | aug | sept | oct | nov | Dec. 30,'91 | total | |||||
| RUNNING BANK BALANCE | 500.00 | 1,171.00 | 1,921.00 | 2,372.00 | 3,227.10 | 4,118.90 | 4,710.31 | 5,425.31 | 5,902.31 | 6,409.31 | 7,004.31 | 7,488.31 | 10,950.31 | ||||
| CASH IN fr. Salary per month | 3,300.00 | 3,400.00 | 3,200.00 | 3,150.00 | 3,050.00 | 3,175.00 | 3,500.00 | 3,025.00 | 2,900.00 | 4,000.00 | 2,800.00 | 2,900.00 | 38,400.00 | ||||
| CASH OUT: | |||||||||||||||||
| SAVINGS PLAN 15% | 495.00 | 510.00 | 480.00 | 473.39 | 458.53 | 477.45 | 525.00 | 453.75 | 435.00 | 600.00 | 420.00 | 435.00 | 5,763.12 | ||||
| FOOD | 32% | 10% (rice | 1,000.00 | 1,050.00 | 1,024.00 | 1,009.90 | 978.20 | 1,018.56 | 1,120.00 | 968.00 | 928.00 | 1,280.00 | 896.00 | 928.00 | 12,200.66 | ||
| 20% ( sud-an) | |||||||||||||||||
| 2% other | |||||||||||||||||
| RENT | 250.00 | 250.00 | 260.00 | 275.00 | 250.00 | 260.00 | 270.00 | 275.00 | 250.00 | 250.00 | 250.00 | 250.00 | 3,080.00 | ||||
| DEDT Payment or Load | 90.00 | 90.00 | 100.00 | 80.00 | 60.00 | 65.00 | 60.00 | 50.00 | 60.00 | 50.00 | 70.00 | 60.00 | 835.00 | ||||
| MEDICINE/ VITAMINS (5/day/vit./day/med.) | 150.00 | 170.00 | 150.00 | 160.00 | 150.00 | 170.00 | 160.00 | 170.00 | 150.00 | 170.00 | 150.00 | 150.00 | 1,900.00 | ||||
| TRAVEL | 120.00 | 125.00 | 130.00 | 135.00 | 120.00 | 100.00 | 90.00 | 100.00 | 100.00 | 400.00 | 100.00 | 75.00 | 1,595.00 | ||||
| CLOTH | 3 dresses/ yr. | 100.00 | 80.00 | 90.00 | 100.00 | 85.00 | 90.00 | 100.00 | 90.00 | 80.00 | 150.00 | 50.00 | 100.00 | 1,115.00 | |||
| LEASURE/RECREATION (jollibee dinner out) | e dinner out) | 80.00 | 60.00 | 70.00 | 75.00 | 75.00 | 80.00 | 90.00 | 80.00 | 75.00 | 200.00 | 75.00 | 70.00 | 1,030.00 | |||
| PARENTS/BROD/SIS. | 264.00 | 250.00 | 275.00 | 250.00 | 200.00 | 280.00 | 280.00 | 260.00 | 250.00 | 400.00 | 250.00 | 250.00 | 3,209.00 | ||||
| FINANCIAL ASSISTANCE 8% | |||||||||||||||||
| ELECTRICITY/ WATER | 100.00 | 110.00 | 120.00 | 100.00 | 90.00 | 100.00 | 80.00 | 90.00 | 100.00 | 100.00 | 100.00 | 80.00 | 1,170.00 | ||||
| INSTANT REGALO | 50.00 | 40.00 | 50.00 | 40.00 | 50.00 | 50.00 | 60.00 | 50.00 | 50.00 | 200.00 | 50.00 | 100.00 | 830.00 | ||||
| INSURANCE ACCIDENT | 25.00 | 25.00 | 30.00 | 20.00 | 25.00 | 20.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 295.00 | ||||
| EDUCATIONAL ASSISTANCE 10% | 300.00 | 400.00 | 300.00 | 250.00 | 350.00 | 300.00 | 250.00 | 100.00 | 300.00 | 250.00 | 2,800.00 | ||||||
| OTHER UNEXPECTED EXPENSES | 100.00 | 100.00 | 150.00 | 50.00 | 75.00 | 100.00 | 100.00 | 90.00 | 75.00 | 80.00 | 90.00 | 100.00 | 1,110.00 | ||||
| NET CASH MOVEMENT | 176.00 | 240.00 | (29.00) | 381.71 | 433.27 | 113.99 | 190.00 | 23.25 | 72.00 | (5.00) | 64.00 | 27.00 | 1,686.51 | ||||
| add: 13th month pay | 3,000.00 | 3,000.00 | |||||||||||||||
| Total Cash saving year end | 13,950.31 | ||||||||||||||||
| Note: All allocated BUDGET must be put inside an envelop This is I want to share with you after 20 years of keeping my personal secret of how to raise financial capital. Please take this very serious & apply total financial discipline for your good. I made this in 1991 when I was employed in pharmaceutical co. receiving less than minimum wage but this not a hindrance for financial success. Money cannot make one rich, it is your attitude & discipline that truly make you rich. Watch out my book to be launched later this year or early next year . This book is written in Cebuano dialect. Tilted: "MO ASENSO KA PINOY" Pls. follow this blog for more update & please share your Golden Ideas or Positive comments about this book. Thank you | |||||||||||||||||
Saturday, July 23, 2011
PERSONAL SAVINGS STATEMENT
Saturday, July 16, 2011
AN INTERVIEW WITH MR. REY CALOOY
1. What is your livelihood/occupation/profession and what do you basically do?
My livelihood is doing business: toll packing, manufacturing, and distribution. I basically do thinking and imagining ideas then executing these ideas to keep the business going.
2. What are the basic knowledge and skill requirements for your livelihood/occupation/profession?
In business, marketing skill is the most important factor for business success. Without marketing is like cooking without spices. It’s served well, but never satisfying. Marketing adds flavor to the business and keeps customers from coming back. Good marketing means good results.
3. What are the best and not so good aspects (if there are any) in your livelihood/occupation/profession?
We are living in this world of cause and effect. Money is a result, wealth is a result, health is a result, and poverty is a result. At the start, there was nothing good yet since it was still the beginning of my journey. Now, it’s my sole duty to make it the best for me. Rich people focus on opportunities while poor people focus on obstacles. So I see what’s up ahead before I look back to see how I’m doing so far.
4. How did you decide to become what you are right now in terms of career decision-making?
I just followed my passion and exploited my skills in marketing just to get out of poverty. One must decide without regrets and destroy the bridges just to reach into a point of no turning back.
5. What advice could you give to high school students who are still trying to decide what type of livelihood/occupation/profession that they would like to have?
The starting point of all achievements is the desire. Success is not just all about financial accumulation. Just follow your dreams and passion. If you want financial gain, be an entrepreneur. If you want fame, be a celebrity. If you want power, be a politician, and etc.
My practical advice for high school students is that they must focus on Entrepreneurship, the only way to get out of poverty. This is today’s bandwagon.
Interviewee: Mr. Rey E. Calooy
Saturday, March 12, 2011
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