Financial self-sufficiency. One of the liberties we all yearn for is this. No matter where we are in life, it doesn't matter. We all have this internal voice that constantly reminds us to strive for worry-free living.

But how does one go about doing it? How can we enjoy life and not be concerned about bills?

We can. Of course, you can. It is also doable with careful planning and lifestyle modifications.

Inquiring as to how? Discover how you may begin your path to financial freedom this Fourth of July by reading on.

List the daily expenses you incur. Is it difficult for you to envision how you could save money on your current income? Have you ever attempted to keep tabs on your daily spending? It does appear to be a lot of work. However, if you stand back, you can see where your money goes and where you might be able to cut back on your expenditures.

How about cutting back from five to three times a week on your daily pick-me-ups and internet orders? This can encourage you to make weekly savings of up to P500. Make saving money a habit, and you'll be astonished at how much you have.

Create an emergency fund. Financial experts advise that you should have three to six months' worth of expenses in an emergency fund. But don't let this intimidate you! Starting with modest and manageable monthly contributions will allow you to gradually build up an emergency fund. Build the habit by starting with the money you can manage to save. We advise you to place this money in a passbook account since the most important thing is to never spend this money. It's better to control and monitor this as well.

Increase your revenue. The ideal strategy for achieving your goals in life can be summed up by a famous pop star: "You better work." Consider ways to increase your income. You have a variety of options to choose from. Upskilling can help you get hired, promoted, and earn more money. You can even have a second business renting out items or selling things online. You can have the finest life possible with a little bit of hustle.

Use your credit card responsibly. Everyone is aware that credit cards make it easy for anyone to purchase anything. Additionally, it's a fantastic asset when used appropriately. What about the items you purchase with your credit card, though? Before you realize it, you're

buried with credit card debt because they add up. Here's a piece of advice: settle your most recent large purchase before making that expensive acquisition. Try not to "swipe to card" your meals or beverages. Pay with cash and reserve credit cards for major purchases.

Start a portfolio. Most people may find it intimidating. However, it truly isn't. Just begin with tiny, manageable quantities that you can handle. Consider investing P1,000 each month in a fund for investments. Consider insurance policies that are tied to investments, so you won't have to worry as much about the investment portion. Get additional life insurance on top of it. "A little goes a long way" is a cliche that springs to mind.

It is real.

It's not necessary to feel anxious when beginning your path to financial freedom. You can begin by making simple, long-lasting adjustments to your way of life. In the end, you can transform your life for the better. And all you need for that freedom is a partner!

To meet your financial needs, EastWest Ageas Insurance offers a range of insurance options. It provides both conventional and investment-linked solutions to help you reach financial independence.

Start by taking baby steps. Create one right away. Use EastWest Ageas to make it.

For your needs, EastWest Ageas Insurance is the ideal insurance company. It combines the financial prowess of Ageas, a worldwide insurer with a nearly 200-year history, and EastWest, which has nearly 30 years of local banking experience.

（Writer：Wanny）