LEN Financial Consultancy Services

LEN Financial Consultancy Services Narleen Rosales, AFP
Senior Marketing Director
Life License Underwriter
Kaiser Agent
Joined IMG since 2019

Last night, I had the chance to share the IMG mission with these amazing millennials — helping them realize that financi...
25/05/2026

Last night, I had the chance to share the IMG mission with these amazing millennials — helping them realize that financial education is not just for the rich, but for everyone willing to learn and grow. 💙

One mindset change can create a better future.




Good Habits vs Bad HabitsSometimes hindi naman maliit ang sweldo — pero mali lang ang money habits.Here’s a simple audit...
24/05/2026

Good Habits vs Bad Habits

Sometimes hindi naman maliit ang sweldo — pero mali lang ang money habits.

Here’s a simple audit to check if your habits are helping you grow financially or keeping you stuck.

✅ GOOD MONEY HABITS
These habits build financial security and peace of mind.

Nagse-save muna bago gumastos

May monthly budget

Marunong mag-differentiate ng needs vs wants

Nagbabayad ng bills on time

May emergency fund

May insurance or protection plan

Nag-iinvest for the future

Hindi impulsive buyer

May financial goals

Continuous learning about money

❌ BAD MONEY HABITS

These habits quietly drain your finances.

“Bahala na” spending mindset

Walang tracking ng expenses

Puro online checkout dahil sale

Utang para sa luho

Living paycheck to paycheck

Walang ipon kahit matagal nang working

Emotional spending kapag stressed

Laging minimum payment lang sa utang

Inuuna ang lifestyle kaysa savings

Dependent lang sa iisang source of income

✨ Reflection Question

“Anong money habit ang kailangan kong i-stop… at anong habit ang kailangan kong simulan?”

Hindi lang income ang nagpapayaman — habits din.

Make the right Move Now.
Message me.






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Amazing SabadoToday marks the start of another Financial Journey.Congratulations!Join Own for my baseshopCoaching Sessio...
23/05/2026

Amazing Sabado

Today marks the start of another Financial Journey.
Congratulations!

Join Own for my baseshop

Coaching Session

Asking their BIG WHY



22/05/2026

Financial Education is not just for the wealthy.
It is for every Filipino family dreaming of a better future. 💙

See you at the biggest and grandest gathering of Filipino Financial Educators in the Philippines—

IMG Convention of Champions 2026
June 7, 2026



International Marketing Group - IMG

Another Friday. Another Usapang IMG na naman😊
22/05/2026

Another Friday.
Another Usapang IMG na naman😊



Habang tumataas ang sweldo…tumataas din minsan ang gastos.Dati masaya na sa simpleng kape,ngayon kailangan branded.Dati ...
22/05/2026

Habang tumataas ang sweldo…
tumataas din minsan ang gastos.

Dati masaya na sa simpleng kape,
ngayon kailangan branded.

Dati okay lang ang basic phone,
ngayon gusto laging upgrade.

Hindi masama i-enjoy ang pinaghirapan mo.

Pero kapag sabay ding lumalaki ang lifestyle kaysa ipon at investments…
doon nagsisimulang parang “laging kulang.”

Lifestyle Inflation =
Mas malaki ang income,
pero mas mabilis din ang gastos.

Kaya kahit malaki na kinikita,
walang naiipon.

✅ Increase your income
✅ But also increase your savings
✅ Learn to delay gratification
✅ Build assets, not just expenses

Hindi sukatan ng yaman ang magarang lifestyle.

Mas importante ang may emergency fund, protection, at investments.

Financial Move Checker Tip:

“Kapag tumaas ang income mo, unahin mong pataasin ang ipon — hindi lang ang gastos.”




Topic: Needs vs WantsFinancial Move Checker Series“Hindi lahat ng gusto, kailangan.At hindi lahat ng kailangan, luho.”On...
20/05/2026

Topic: Needs vs Wants
Financial Move Checker Series

“Hindi lahat ng gusto, kailangan.
At hindi lahat ng kailangan, luho.”

One of the biggest financial mistakes people make is confusing needs with wants.

NEEDS
Ito yung mga bagay na kailangan mo para mabuhay, makapagtrabaho, at maging stable.
Examples:
✔️ Pagkain
✔️ Bahay / renta
✔️ Kuryente at tubig
✔️ Pamasahe
✔️ Gamot / check-up
✔️ Emergency fund
✔️ Basic school needs ng anak

WANTS
Ito naman yung nagpapasaya o nagpapakomportable sa atin pero hindi urgent o necessary.
Examples:
❌ New cellphone kahit okay pa ang luma
❌ Milk tea araw-araw
❌ Branded bags/shoes para lang makasabay
❌ Online shopping dahil “deserve ko to”
❌ Latest gadgets na hulugan
❌ Travel kahit may utang pa

Real-Life Example:
Sweldo day.
May ₱5,000 ka extra.

Need mindset:
➡️ Magtabi para sa emergency fund
➡️ Bayaran ang utang
➡️ Pambili ng groceries

Want mindset:
➡️ New shoes sale kasi “sayang discount”
➡️ Samgyup + coffee + shopping
➡️ Gadget upgrade kahit hindi kailangan

Remember:

Needs protect your future.
Wants satisfy the moment.

Hindi masamang gumastos sa wants — basta nauuna ang needs at may tamang budget.

As your Financial Move Checker,

lagi nating tanungin:
“Need ba talaga ito… o gusto lang?”




18 years akong nagtrabaho sa government… pero aminado ako, wala talaga akong naipon.Akala ko normal lang na ubos lagi an...
18/05/2026

18 years akong nagtrabaho sa government… pero aminado ako, wala talaga akong naipon.

Akala ko normal lang na ubos lagi ang sweldo.

Bills dito, gastos doon, tapos aantayin ulit ang next payday.

Pero noong na-introduce ako sa IMG at natutunan ko ang Abundance Formula o 10-20-70 Rule, doon unti-unting nagbago ang mindset ko tungkol sa pera.

Natuto akong:
✔️ mag-budget nang may purpose
✔️ unahin ang savings bago gastos
✔️ maging disciplined sa paghawak ng pera
✔️ maghanda para sa future, hindi lang para sa present

Simple lang ang formula, pero malaki ang naging impact sa buhay ko.

Diyan nagsimula ang first real ipon ko.

Kailangan lang ng tamang mindset, tamang system, at tamang guidance.

Kaya grateful ako dahil binago ng IMG hindi lang ang financial knowledge ko — kundi pati ang pananaw ko sa buhay at future ko.

Kung kaya kong magbago financially, kaya mo rin.

Subukan mo ring i-apply ang 10-20-70 Rule sa buhay mo.

Maliit na pagbabago ngayon, malaking difference sa future mo.”

“Hindi mo kailangan maging mayaman agad para makagawa ng tamang financial move.

Minsan, ang pinakaimportanteng step ay ang matutunang i-check kung saan talaga napupunta ang pera mo.

— Coach Narleen Rosales
Financial Move Checker 💛”


“Financial freedom starts with financial education.One family, one lesson, one future at a time. Proud to be part of IMG...
16/05/2026

“Financial freedom starts with financial education.

One family, one lesson, one future at a time.

Proud to be part of IMG’s 30M by 30 Financial Literacy Campaign — empowering Filipinos to save wisely, build protection, and create a brighter future for the next generation.

Together, let’s make financial education accessible to every family.




Another fruitful Friday with coach Liezel Rivera and the wife of our guest 3 weeks ago😊One on one financial lesson done....
16/05/2026

Another fruitful Friday with coach Liezel Rivera and the wife of our guest 3 weeks ago😊

One on one financial lesson done.





Grateful for every one-on-one coaching session with my baseshop — where goals become plans, and plans become reality.”  ...
14/05/2026

Grateful for every one-on-one coaching session with my baseshop — where goals become plans, and plans become reality.”





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Batangas City
4204

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