Tool Created by Clarissa Escober-Doonan
Financial Plan for 2018
Date Written: ___________
Step 1: Write down your Basic Needs. Please supply the due date and amount per mont
What Due Date
Basic Needs
Rent
Food allowance
Gas and Parking OR public transportation fare
Groceries
Cellphone bill
Internet bill
Water and electricity bill
Auto-order
Usana operational expenses (trainings, events, etc.)
Tithing and other charities
Family support (kids, parents, etc.)
Accountant's Professional fee
Professional Tax/VAT
Miscellaneous (office supplies, entertainment, etc.)
Bank loan #1
Insurance #1
Pay Personal debt #1
Others (Pls specify)
Others (Pls specify)
Others (Pls specify)
Others (Pls specify)
Others (Pls specify)
Others (Pls specify)
Others (Pls specify)
Others (Pls specify)
Others (Pls specify)
Others (Pls specify)
TOTAL PRICE OF Basic Needs
Step 2: Write down your current annual income after tax (Usana, employment, financia
Pls write down your NET ANNUAL income:
Difference between Net annual income and Basic Needs
Step 3: Does your current income cover ALL your basic current needs?
YES or NO? YES OR NO?
If YES (Net income is GREATER than Basic Needs) Put more money into savings and invest
If NO (Net income is LESSER than Basic Needs) You need more money! Work on your U
Step 4: Write down your goals for 2018. Please supply the due date and amount per mo
Please stick to 2018 goals first. Be realistic but ambitious.
2018 GOALS Due Date
XTRM Technomarine
iPad
MacBook
Downpayment for car
Downpayment for house and lot / condo
House turn over fees and furnishing
Monthly amortization for car
Fuel and parking cost
Monthly amortization for house and lot / condo
Life Insurance
Medical Insurance
Pay off debt - Bank / credit card / upline / family / friends
Emergency Fund
Investment (Stocks/Mutual Funds)
Accountant's Professional fee
Professional Tax/VAT
Pacific Convention - Singapore
Shopping allowance in Asian Cruise
Shopping allowance in Dubai
US Visa costs
Salt Lake City Convention
Travel with family
Shopping allowance (image, etc.)
First branded bag/shoes/etc.
Church
Other donations
Gifts (Xmas, other bdays)
Others (Pls specify)
Others (Pls specify)
Others (Pls specify)
Others (Pls specify)
Others (Pls specify)
Others (Pls specify)
Others (Pls specify)
Others (Pls specify)
Others (Pls specify)
Others (Pls specify)
TOTAL PRICE OF 2018 GOALS
Step 5: Do you have the money to pay for your basic needs AND dreams?
Annual Cost of Basic Needs
NET Annual Income
Difference between Net annual income and Basic Needs
GRAND TOTAL of your Basic Needs + 2018 Goals
Difference between Net annual income and GRAND TOTAL
Step 6: Basic Needs + Dreams <-- Income <-- Points
GRAND TOTAL of your Basic Needs + 2018 Goals PHP
Divided by 52 weeks in 1 year PHP
Include the 10% witholding tax PHP
Divided by the exchange rate USD
Points you'll need on the left and right of BC 1 (each side)
Points you'll need on the left and right of BC 2 and BC 3 (each side)
Step 7: Plan accordingly AND take action the weekly income!
If you don't know how to compute points yet, consult your upline to help you determine how much points you
Step 8: Build your goals for the medium-term (2-3 years) and long-term (above 3 years),
YEAR 2 GOALS Due Date
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TOTAL PRICE OF YEAR 2 GOALS
YEAR 3 GOALS Due Date
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TOTAL PRICE OF YEAR 3 GOALS
LONG-TERM GOALS (Above 3 years) Due Date
Note: Due to inflation, the value of the money now will be much lesser than the value of money after a few ye
P4M now will give you lesser things in 10 years or when you retire. There are inflation calculators avaiable on
Save more money to prepare for the inflation. The earlier you save, the better, because of compounding intere
Ultimate Dream House
Ultimate Dream Car
Big Vacation #1
Big Vacation #2
Big Vacation #3
Children's education up to college
Investment in properties (land, house, etc.)
Savings upon retirement from Usana
Pay off bank loan #1
Pay off bank loan #2
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TOTAL PRICE OF LONG-TERM GOALS
Step 9: Plan accordingly AND take action every day!
What you do today and everyday determines the kind of future you will have. Focus on things, activities, peop
date and amount per month. Excel will give you the Total for the Year automatically, but you can
How Much Per Month Total for the Year
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sana, employment, financial support from spouse/parents etc.)
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nt needs?
more money into savings and investment and bigger Ladder of Success
eed more money! Work on your Usana business even more SO THAT YOU CAN PROVIDE FOR YOUR FAMILY & BE DEBT-FRE
ue date and amount per month OR the Total amount for the year.
How Much Per Month Total for the Year
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AND dreams?
0.00 (same as the total of basic current needs in Step 1)
0.00 (same as in Step 2)
0.00 (same as the computed value in Step 2)
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0.00 Is this NEGATIVE or POSITIVE?
If Positive Put more money into savings and investment and bigger Ladder o
if Negative You need more money! Work on your Usana business even more S
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0.00 Weekly income (PHP) AFTER withholding tax so that you will cover your basic needs and
0.00 Weekly income (PHP) BEFORE witholding tax -- Grand total of CVP and bonuses BEFORE
0.00 Weekly income (USD) BEFORE witholding tax. Use this value when planning for your po
0.00 Add at least 1 point to meet the minimum you'll need. FORMULA IS APPLICABLE ONLY I
0.00 Add at least 1 point to meet the minimum you'll need. FORMULA IS APPLICABLE ONLY I
u determine how much points you need every week so that you can hit your weekly income goal.
d long-term (above 3 years), as well as your retirement plan.
How Much Per Month Total for the Year
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How Much Per Month Total for the Year
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How Much Per Month Total for the Year
the value of money after a few years or many years.
e inflation calculators avaiable online, if you are interested to know the value of money in a certain year.
er, because of compounding interest.
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e. Focus on things, activities, people, and thoughts that can take you CLOSER to your dreams!
atically, but you can also provide the amount under Total for the Year.
R FAMILY & BE DEBT-FREE!
ent and bigger Ladder of Success
na business even more SO THAT YOU CAN GET YOUR DREAMS!
over your basic needs and dreams
CVP and bonuses BEFORE TAX
hen planning for your points!!! -- Pls adjust the exchange rate if it changed (exchange rate used in this template is P50/$1)
LA IS APPLICABLE ONLY IF WEEKLY INCOME IN USD IS $1,000 OR LESS. You can only earn up to 5,000 points on each side. Us
LA IS APPLICABLE ONLY IF WEEKLY INCOME IN USD IS $1,000 OR LESS. You can only earn up to 5,000 points on each side. BC
ed in this template is P50/$1)
o 5,000 points on each side. Use other BCs to earn more $$$.
o 5,000 points on each side. BC 2 and BC 3 will need more points, and you can have additional BCs if you want to earn more
Cs if you want to earn more than $1,000/week.
