OFW Financial Health Check

How healthy are your money habits?

A quick financial health check for OFWs. See how you handle saving, emergencies, debt and your family's backup plan, and what to fix first.

About 3 minutes6 areas checkedRough numbers are fine

1Who is this for?

Kids, parents, siblings: anyone you support regularly.

Currency

2Money in and out

Each month. A close estimate is fine.

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Rent, food, bills, school fees and what you send home. Don't include loan payments; those come next.

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For things like college or going home for good. Type 0 if you haven't started. That's okay.

3Your safety net

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Do your goals have a Name, a Number and a Deadline?

4Your go-home-for-good plan

The day you can stop working abroad, by choice.

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In today's money. Leave it blank to use your household spending now.

Do you know how much you need to save up to make that happen?
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5Your backup plan

What happens to your family's money if the unexpected happens. Count cover from your company too.

You

If something happens to you, is there life cover that pays your family?
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If you get seriously ill and can't work, is there cover that pays you?
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Your partner

If something happens to your partner, is there life cover that pays your family?
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If your partner gets seriously ill and can't work, is there cover that pays them?
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We'll ask for your name and email to show your result and send your next steps.
For learning only, not financial advice. See the full disclaimer with your result.

What families say after working with Aris
J

"He talked to us, listened, and polished a financial blueprint based only from our own data. Nothing generic. Purely customized."

Jenniferlee De Leon Quizon★★★★★ · October 2026
C

"Like other married couple, we thought saving some money out of our monthly salary we'd be just fine. Little did we know we fell into a trap of "blind savings" which means blindly saving money without a plan or a goal."

Christine Jane C. Gabrinez★★★★★ · March 2022
Read all reviews →
Aris Riparip, Financial Coach

Financial Health Report

Your Financial Health Score
0out of 100

Fix these first

    Your month at a glance

    Take-home pay
    Household spending
    Loan payments
    Set aside for goals
    Left over

    Hindi mo kailangang ayusin lahat mag-isa. Most of the families I work with started with numbers just like these. A score is just a starting point. Hindi nito alam ang buong kwento mo: ang padala, ang pamilya mo, at ang mga pangarap mo. That's where I can help.

    What you get in my coaching program:
    • ✅
      Clear goals with a Name, Number and Deadline.Hindi na hula-hula kung sapat ba ang naiipon mo.
    • ✅
      A monthly amount na kaya talaga ng budget mo,kasama na ang padala at bills.
    • ✅
      An emergency fund and a backup plan,para hindi masira ang plano kapag may biglaang gastos o nagkasakit.
    • ✅
      A clear deadline kung kailan ka pwede nang umuwi for good.Not "konting taon pa," but an actual date.
    What clients say:
    "The biggest difference has been the peace of mind. I feel clearer about where we stand and more confident about our next steps."Rotinie Pamplona Nidea
    "…mas naliwanagan ako kung paano ko mas maayos na ma-manage ang finances ko, especially when it comes to paying my debts."Rose Silvette
    "I have been able to save more and live within my means."Dianne R. Malabanan
    Start with a 20-minute Clarity Call

    Ikuwento mo ang situation mo. Itanong mo lahat ng gusto mong malaman about the coaching program. Then we'll see together kung good fit tayo. No pressure.

    Book my 20-minute Clarity Call

    For OFWs based in Qatar. 3 new families lang ang tinatanggap ko each month.

    Ready for the next step? Book a short 20-minute call with Aris: arisriparip.com
    Important: please read
    • This check-up is for learning only. It is not financial advice and not an offer of any product.
    • Your result is only as accurate as the numbers you typed. Rough numbers give a rough picture.
    • Guides used: an emergency fund of 6 months of spending; loan payments under 30% of take-home pay are healthy, and above 43% are high; life cover of about 10 times a person's yearly income; illness cover of about 5 times yearly income.
    • Go-home-for-good number: the monthly income you typed, increased by 4% a year (prices go up) until your go-home age, times 12, times 25. Savings growth uses a hypothetical 7% a year and is not guaranteed.
    • "How long your family could last" = cover or savings ÷ your current household spending. It assumes spending stays the same and does not count other income.
    • These are general guides. Your real needs depend on your family, debts, goals and existing benefits.
    • Government benefits (like SSS) are not counted. Company cover counts only if you included it.
    • Please don't make big money decisions from this page alone. Talk to a licensed financial professional first.

    Book a call