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Yowelfare Program

Financial Education Program: YoWelfare

It is a financial education program practical and personalized that helps you design and implement your own financial plan, step by step, with the help of a Personal Financial Educator and tailored to your situation.

Accompanied by a certified Personal Financial Educator, you will work on:

  1. Define your life goals.

  2. Organize your resources: Balance sheet, income statement and budget.

  3. Design a customized strategy for each of the areas: protection, retirement, indebtedness and investment.

  4. Implement your plan by making consistent, efficient and effective decisions.

  5. Review and update your plan periodically to adapt it to changes in your life.

All under international quality standards UNI 11402 financial literacy of citizens and ISO 22222 personal financial planning.

The Idea:

Have a guide, or instruction manual to make my financial plan.

The Action:

Acquire knowledge, tools, and assistance from a personal financial educator and AEPF.

YoWelfare Financial Education Program Areas

1.Vital Objectives

The Idea: What do I need money for today and tomorrow?

Examples:
  • How much does the house I want cost? When could I buy it?
  • How much does the car I need cost? When do I buy it?

The Action: How do I make sure I get what I want?

Budgeting

The Idea: How could I save more money and spend less?

«Saving doesn't mean anything in itself. What matters is why you do it: for yourself, for your family, for your future, and for the present.».

The Action: Strategies that can be used.

3.Protection planning

The Idea: What if I can't work, is my family and myself protected?
Examples:
  • What would happen if I died prematurely?
  • What if you had a serious illness or disability?
  • How much would it cost to protect my income?
The Action: How can I achieve this and stay calm?

Planning for retirement

The Idea: What do I need money for today and tomorrow?

Examples:

  • Is a pension plan the solution?
  • Buy an apartment and rent it?
  • Do nothing because it will come to me with the public pension?
The Action: How to do something that will be profitable today and tomorrow?

5.Plan the indebtedness

The Idea: Do I know when and how to get into debt?
Examples:
  • Do I know how to negotiate a mortgage?
  • Do I know if it is better to lease or buy?
  • Can the mortgage I have be improved?
The Action: To take advantage of the indebtedness and not to make it a burden.

Investment planning

The Idea: Do I know how, when and for what purpose to invest my savings? I would like to know?
The Action: To have a tool to control investments and who advises me.