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  • How to Achieve Financial Wellness in 2019

    02 December 2018


    Financial wellness is not the same as financial literacy. Find out how a positive financial position can lead to better health.

    When talking about mental health and well-being, you need to consider another, less well-known component: financial wellness. A person’s financial situation has now been recognized as a factor in good health, especially in mental health.

    Although the connection between money and stress has been widely known since the invention of mortgages and payment deadlines, financial wellness has not been very well-understood – until now. According to a 2017 survey, more companies are offering financial wellness programs to their employees.

    Effects of Losing Financial Wellness

    Gwen, 53, is familiar with the effects of declining financial wellness. The shrinking economy of the early 2000s saw her savings dwindle, increasing her stress levels. “It was a difficult time; I kept on getting sick, first with minor colds and then heartburn and stomachaches,” she recalled. “Each time a bill would come in the mail, I could feel panic rising up and I would feel physically ill.”

    Eventually Gwen found work outside of the country, only returning to the Philippines when there was a clear job prospect for her. “I had to make sure that my finances were in order for peace of mind, especially since retirement is in my near future.”

    Medical research suggests that money woes can trigger chronic stress, anxiety, and depression. The Harvard School of Public Health conducted a poll in 2015, which resulted in 53% of respondents indicating that financial problems were a cause of their stress.

    This result is echoed in a study on stress in the Filipino workplace where it was determined that low pay is a leading cause of stress among employees.

    Stress is a protective body response that allows people to better react to threats. However, chronic stress can have harmful physical effects. According to the Mayo Clinic, it can increase the risk for digestive problems, heart disease, and mental illnesses such as anxiety and depression.

    Getting Ready for Tomorrow by Achieving Financial Wellness

    Know where you stand financially. Much like the getting diagnosed with a physical illness, it is impossible to know what is wrong until you have a clear picture of what is happening. The first step to achieving financial wellness for the upcoming year is to get a detailed idea of how you financially managed yourself in 2018.

    As the year comes to an end, make a detailed list of expenses. Even small items, like a drink from a favorite coffee shop, can add up. Keep track of where the money goes. Not only will you see where you over-extend your budget, you can also have a concrete basis for your financial plan.

    Plan for the big expenses. Big-ticket items like travel or purchasing a car or a house are the ones that can make a huge dent in your budget. Fortunately, these things rarely happen without warning. Even unexpected expenses such as medical emergencies can be mitigated by having enough savings.

    Some people opt to have automated savings, with a certain percentage of their income going straight to an account even before a single centavo is spent. Other prefer to use investment plans to secure their future.

    Products like AIA Vitality use a comprehensive approach to better protect your financial wellness. Protecting one's health can be addressed through the AIA Vitality Health Review and a rewards program from partner establishments. The life insurance and protection features built into the product are designed to safeguard your health and wellness, not just for the present but also for the future.

    Prioritize paying debt. In an ideal world, all income goes straight into the bank account. But the reality is that some of that money is already allocated somewhere else even before the money gets in your hands.

    Debt can be crippling. It has an immediate effect on your monthly budget. Thanks to interest rates, it can also snowball into a larger headache. This is the reason why debt payments should be prioritized if the goal is to the achieve financial wellness in the future.

    Even small amounts, such as credit card purchases, can put a strain on finances. Opt to pay in cash whenever possible to avoid additional charges.

    Financial wellness is not just about financial literacy. The latter covers knowledge on how to handle money; the former is all about using that knowledge to achieve a greater sense of well-being and health.

    Get ready for tomorrow; find out how both these concepts can work simultaneously by visiting your favorite BPI branch and asking about the Vitality roster of products.

    Did you know?

    You can buy a life insurance at any BPI branch nationwide! Talk to a bancassurance sales executive now!

    RECOMMENDED PRODUCTS

    Life Ready Plus

    Protection

    Get the power to protect yourself and your family with an affordable life insurance plan. Life Ready Plus is easy on the budget, but offers coverage of up to 30 times your yearly payment to support the financial needs of your loved ones.

    The plan gives you fast access to coverage and benefits and can match your long-term financial goals when maintained within an appropriate term.

    Philam Life Vitality

    Critical Care Max

    Health

    Critical Care Max will help you make more memories by providing financial aid during the early stages of a critical illness. This unit-linked life and health insurance plan offers assistance on your recovery. You can build a health fund that grows over time, depending on your chosen investment, to pay for other medical costs.

     

    In addition, it comes with a hospital confinement benefit that will replace lost income due to hospitalization. This daily cash benefit may also come with optional benefits like cash payout for surgery-related expenses, allowance for consultation fees, and many others.

    Philam Life Vitality

    Build Estate Plus

    Life Protection

    Let your loved ones enjoy the fruits of your labor even when you’re no longer around. Build Estate Plus is a unit-linked protection plan that will cover your estate taxes after your passing so that you can ease your family’s burden.

    It doubles as an investment savings fund that builds Account Value as you pay. It is also integrated with AIA Vitality that provides additional upfront coverage of 20% to your policy and add-ons.

    Philam Life Vitality

    CRITICAL CARE PLUS

    Health

    Be in good hands in times of sickness. Let Critical Care Plus, a unit-linked health and life insurance plan, take care of you with financial aid in case of a major illness, so you can focus on getting better and spending more time with your loved ones.

     

    It even gives you more benefits for having good health through the AIA Vitality program that adds 20% upfront coverage and supplemental benefits on your policy. 

     

     

    Philam Life Vitality
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    CONTACT BPI AIA

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