PINOY MO

FINAN
Instruction: Please provide your necessary details in the light-blue cells

INCOME/EXPENSES
Monthly Income ₱0.00

Monthly Expenses
Rent ₱0.00
Loan payments ₱0.00
Transportation ₱0.00
Utilities ₱0.00
Insurance ₱0.00
Food ₱0.00
Clothing ₱0.00
Personal Care ₱0.00
Recreation ₱0.00
Others ₱0.00
Total Expenses ₱0.00

Monthly Savings ₱0.00

ASSESSME
% Expense/income #DIV/0!
Remarks #DIV/0!
Your % Expense/income indicates how much
of your monthly income goes to your
monthly expenses.

Monthly Savings rate #DIV/0!

Remarks #DIV/0!
Your monthly savings rate tells you about
how much of your monthly income goes to
your savings every month. Ideally, you
should atleast save 10% of your monthly
income.
Debt service coverage #DIV/0!
Remarks #DIV/0!
Your debt service coverage indicates how
many times you are able to cover your
monthly obligations. A debt service
coverage of less than 1 indicates that you
are probably falling behind your debt
payments.

Disclaimer: The results shown in this tool are

based from the information you provided and are
for general references only. The use of this tool
does not constitue a client-advisor relationship
with the creator of this material, and will not be
liable for any loss arising from your
transactions.
 PINOY MONEY MIND
FINANCIAL AUDIT
y details in the light-blue cells

ASSETS
Cash Assets
Cash on Hand ₱0.00
Savings/Checking Account ₱0.00
Time Deposit ₱0.00
Receivables ₱0.00
Others ₱0.00

Investments
Private property/ies ₱0.00
Stocks ₱0.00
Bonds ₱0.00
Mutual Fund/s shares ₱0.00
Unit Investment Trust Fund sh ₱0.00
Insurance Account/Cash value ₱0.00

Total Assets ₱0.00

ASSESSMENT
Total ratio #DIV/0!
Remarks #DIV/0!
Your total ratio (total assets/total liabilities) indicates
your overall financial stability. A total ratio of less than 1
indicates that your total liabilities outweigh your total
assets. You should always strive to have a total ratio of
more than 1 to maintain your financial stability.

Recommended emergency fund ₱0.00

Remarks YOU'RE DOING GOOD!
Your emergency fund is your stash of cash, which you set aside for
emergency cases like being unemployed, getting sick, or other
unplanned expenses. Ideally, your emergency fund should atleast
be equal to 3 months worth of your monthly income.

Recommended life coverage ₱0.00

Remarks UNDERINSURED
Your life insurance is for those who you might leave
behind in the event of your untimely demise. The general
rule for computing for your ideal life insurance coverage
is 5-10 years worth of your annual income. In this case,
we used the 10-year period while also factoring the
effects of inflation.

Copyright 2018 Richard Abiog. All Rights Reserved.

No part of this spreadsheet may be reproduced or
transmitted by any means without written permission
from the author.
IND
Your license to use this tool is valid 31-Dec-18

LIABILITIES
Mortgage loan balance ₱0.00
Car loan balance ₱0.00
Credit card loan balance ₱0.00
Personal loans ₱0.00

Total Liabilities ₱0.00

INSURANCES
Life insurance in place ₱0.00
Critical illness insurance coverage ₱0.00

RETIREMENT PLANNING
Current age 0
Preferred retirement age 0
Assumed to live until age 0

Recommended critical illness cove ₱500,000.00

Remarks UNDERINSURED
A critical illness insurance provides coverage for critical illnesses
like cancer, stroke, and heart attack. These diseases can be costly
to treat, and could also force you to leave your job to recover. Your
recommended critical illness coverage includes an amount to
replace your lost income while recovering and an approximate
amount you might need for your treatment/s.

Estimated target retirement fund ₱0.00

Years to prepare 0
Your retirement fund is for you to maintain a comfortable lifestyle in
your old age. It was computed based on the details you provided,
and assuming inflation and your income growth rate were equal.
Furthermore, we also assumed here that you'll keep your retirement
fund invested in a fund that kept in pace with inflation. It is advised
that you start building your retirement fund as soon as possible, so
you'll have the best chances of reaching your target amount.

Hi! I'm Richard Abiog, founder of Pinoy Money Mind. I'm a

Philam Life Financial Advisor. I hope that this Financial
Audit Tool has helped you assess your financial health, and
already have a plan on what to do next.

I'd also be glad to help you with your financial planning

needs. You may reach me through my contact details I've
provided below, or send me a message here:
http://bit.ly/2xZiZ7Y

M: 09452019250
E: raphilam24@gmail.com