Daily OFW Financial Guide – April 7, 2025

📊 FI Peso Watch – Exchange Rates Update

Source: XE.com
Rates as of April 7, 2025

💡 Today’s Tip from FI

“Good Rates Come and Go — But Good Habits Stay Forever”

Today’s rates are strong in Qatar, UAE, and Kuwait. If you’ve been planning to remit, it’s a good time to take action.

But here’s the real tip:
🔸 Don’t wait for the “perfect rate” every time.
🔸 Build a consistent habit of scheduled remittances and automated saving.
🔸 Small steps done regularly are more powerful than big steps done once.

What to do:

• Compare your options across remittance platforms.
• Send consistently—don’t delay important goals.
• Save the same amount even if you’re not remitting today.

📌 Your rate today might be good. But your habit tomorrow is what secures your future.

💼 Day 3: Start Saving for Retirement — Even If You Think It’s Too Late

You’ve worked hard abroad to build your family’s future. But what about yours?

Here’s a truth many avoid:
Most OFWs never build retirement savings.
They focus on the now—and go home with nothing later.

Why Retirement Planning Matters:

• You won’t work overseas forever.
• Savings give you options, freedom, and peace of mind.
• It’s never too late to start—only too late to wait.

How to Start Today:

• 💰 Set aside even 5% of your salary monthly.
• 🏦 Open a PERA account, MP2, or other trusted savings/investment plan.
• ✍️ Write a goal: “₱1 million by age 60” → then break it down by month.
• 🔁 Use auto-debit or saving apps to make it consistent.

💬 You’re not too late. You’re right on time—because you’re starting now.

🗓️ Tomorrow’s Guide – Day 4:

Track Your Remittances Like a Pro
Find out where every peso goes—and how to build a smarter system with your family.

🔗 Want More Tools & Support?

Join the Filipino Institute Circle to get:
✔ Exclusive financial planning tools
✔ Monthly coaching for OFWs
✔ Community support from fellow goal-setters

👉 Join here