According to the latest Consumer Finance Survey conducted by the Bangko Sentral ng Pilipinas, 33% of Filipino households spend more than their income. Having more expenses compared to the amount of money flowing in is a bad habit that must be broken because you are risking being buried in debt. Practice living below your means and also get into the habit of saving to avoid debts and to properly manage your finances. Lets Talk Now! Call or send me a message for free financial planning. Peter Jonas F. Castilla Licensed Financial Advisor Licensed No. 70058335 Pru Life UK 09052566812 [email protected] #PRULIFEUK #AlwaysListenAlwaysUnderstandingPruLifeUK #PeterJonasFCastillaLicensedFinancialAdvisor #LicensedFinancialAdvisor #LicensedNo70058335 #OpporPRUnities #PRUductive #InvestForYourFuture (at Castilla's Residence)