How Successful An Ofw Will You Be?

Married with children Married with no children Single Single with children

<30 years old 31-40 years old 41-50 years old More than 50 years old

No but planning within the next 2 years No plans and no chance Yes and revenue is saved for additional capital Yes but revenue is used for daily family sustenance

Less than 10% of annual income More than 10% of annual income No but planning to invest on fixed assets No chance

Fully owned Living with parents/siblings/relatives Mortgaged Rented

long-term contract (more than 10 years) Permanent Short-term but renewable Short-term, non-renewable

Less than 5% of basic monthly income is contributed More than 5% of basic monthly income is contributed No membership With membership and contributions but currently inactive

Less than PHP 25K More than PHP 1M PHP 25 to 499K PHP 500K to 999K

No expected salary increase within the next 2 years Possible demotion/salary deduction within the next 2 years With annual or periodic salary increase With promotion (and salary increment) within the next 2 years

Less than10% of basic salary More than 10% of basic salary None Sometimes

None Non-regular overtime pay or commission With regular overtime pay or commission exceeding 50% of basic salary With regular overtime pay or commission less than 50% of basic salary

2-9% of basic salary Less than 2% of basic salary More than 10% of basic salary None

Gambling and other vices Habitual smoking and drinking None Occassional smoking and drinking

Long-term and expensive medical care None Yes, one-time and can be managed/Long-term but cost is manageable Yes, one-time but extremely expensive

None Spend less than 10% of annual income Spend more than 10% of annual income Yes, but free or partially free

No but working on it No chance or don't know how to do it Yes, me (and my partner) plan our finances and always achieve our budget Yes, me (and my partner) plan our finances but seldom meet our budget