Sure, it feels like life has just begun for you and the future is so far away, but the smart thing to do is to start investing now. Trust us, these things are worth it.
Investing in your skin care choices as early as now will save you time and money down the road and also keep you looking good when you get older. Adopt the habit in your 20s if you can, but if you're in your 30s already, it's never too late. Start with a daily sunscreen, a good moisturizer, and an eye cream. Some products are worth the splurge, so if you find one that's really great for your skin, go ahead and buy it.
Your personal and professional skill set will help you land your dream job. Learning new skills puts you in control of your future and gives you an edge over others. Look for mentors, join workshops, or get that M.A. It's always a good time to learn something new.
Investing in your health is one of the best things all of us can do. Drinking enough water for one is a bankable investment. Get educated on your needed vitamins and exercises. Been curious about that spinning class? Go book it! Do research into the diferent types of diets (the ones that don't entail starvation, of course), and choose the best regimen to meet your goals, whether its maintaining a healthy weight, reducing your fat, salt, or sugar levels, or toning your body. Eating healthy might be costly now but you'll be saving more by preventing hospital bills in the future.
It's probably the last thing on your mind, but the earlier you start investing in insurance, the better—because the younger you are, the lower your premium (the amount paid for insurance). Try looking into term life insurance, which gives you financial coverage for a limited period of time, making it more affordable than life insurance.
Your Credit Rating
#Adulting will entail a lot of self-discpline especially when you're trying to establish your credit rating, which is used as a basis for assessing your ability to pay. You need a good credit rating when you apply for a car or home loan, so better think twice before you swipe and splurge on that trendy top.
Your Own Place
Living with your 'rents until you get hitched may be part of Pinoy culture, but wouldn't it be nice to have a home you can call your own? Now is the best time to take out a home loan from Security Bank and take advantage of its 6 for 5 Home Loan Promo. Enjoy special low rates and waived fees. That means if your rate is fixed for five years, your interest rate is only 6% per annum. Plus, mortgage and appraisal fees are waived up to Php65,000!
If you have an existing home loan, then it's time to switch to a better home loan. Security Bank offers refinancing so you can avail of this special offer. To know more about the 6 for 5 Home Loan Promo, visit www.securitybank.com/645. The promo will run from February 29 to May 31, 2016.
Per DTI – FTEB SPD Permit No. 2965 Series of 2016