Guiding Principles and Tips on Taking Charge of Finances in Our Lives

Joan Tong

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A Monthly Curated Newsletter

In a year where many of us are affected and perhaps feel powerless over our incomes amidst a pandemic, it is a good time to take stock of our financial health and confront our feelings about them & the way with deal with them. Whether we are young, middle-aged or senior, here are some important principles & practical tips on money management that we can fall back on which can go a long way into helping us optimise our finances and become financially wiser.

The Richest Man in Babylon by George S. Clason

Save at least 10 percent of everything you earn and do not confuse your necessary expenses with your desires. Work hard to improve your skills and ensure a future income because wealth is the result of a reliable income stream. You cannot arrive at the fullest measure of success until you crush the spirit of procrastination within you.

Are Your Money Beliefs Holding You Back?

According to research performed by Dr. Brad Klontz and Dr. Sonya Britt, professors at Kansas State University, three out of four primary money beliefs (money avoidance, money status, and money worship) are linked to potentially destructive financial behaviors. For example, these patterns of money beliefs have been associated with having lower levels of net worth, lower income, and higher amounts of revolving credit.

Freedom from the money culture | Lynne Twist | TEDxBerkeley

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Proudly Brought to You I seek to reach out to people who believe in safeguarding the interests of their loved ones. Let me know if I can be of help to someone you know or care about. We can make a difference to lives when it matters most. Cheers.
Joan Tong

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Testimonials and Referral Notes

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Renee & Christine. Wesley Sng & Associates. Prudential

Joan came to our office to help us with contacts upload and also a refresher session. It was useful and you should meet her up too!

David Lee. Prudential Singapore

I met up with Joan today on how I could maximise the usage and potential of HQ in my advisory business. I found it practical and engaging. I think you’d enjoy using this system and learning from her!

Yugi Toh. Financial Services Director. Top of the Table. Prudential Singapore

Thank you HQ for creating the platform and act as a channel of word of mouth to let my clients know more about me. It is just a link away with a simply click then can let clients promote my good work by accessing my testimonials and share around with their circle of friends. Meanwhile, it helps me to manage and value add my clients on monthly basis. The articles are very creative and insightful and my clients love this initiative so much. On top of that, HQ acts as an admin to remind me to do list and sent the personalised greeting card to clients by just preset all the contents into system then I can have a peace of mind to focus on my daily meeting. We all know that we got to do something special for our clients, try out HQ, it is the most convenient and efficient channel 👍🏻

Jessy Chai. Prudential. Pacesetters Organisation

Joan met up with myself and Cheng Hao on how we can maximize the use of HQ, a Sales OS platform. It was interesting and I think you should to get know Joan.

Derek Chong. SP Group. Prudential.

Today Joan came to do a hands-on training on the HQ platform for our group. I found it very useful and engaging. I think you'd have fun and enjoy meeting her up :)

Wei Shan. Financial Consultant. Great Eastern Life

Joan and I met up this morning for a training session on how to maximise the usage of the HQ platform. She was very engaging in her way of explaining and I think you can benefit from meeting her too!