BEGIN:VCALENDAR VERSION:2.0 PRODID:-//Eventin//Event Calendar//EN CALSCALE:GREGORIAN METHOD:PUBLISH BEGIN:VEVENT UID:8b326b4e4943c53b190c8bbb883dc3af@roc.ph SUMMARY:Avoiding Financial Mistakes After Graduation DESCRIPTION:Category: Personal Finance\, Wealth Management & Career Transit ionSubcategory: Early-Career Financial Literacy\, Debt Management\, Budgeti ng Frameworks & Wealth Accumulation💰 Avoiding Financial Mistakes After G raduation: Master Debt Control\, Smart Budgeting\, and Early Investing to S ecure Your Financial FutureMaster Post-Graduation Financial Planning\, Stud ent Loan Management\, Emergency Funds\, High-Yield Saving\, and Wealth-Buil ding FundamentalsDate: 📅 December 17\, 2026 (Thursday)Time: ⏰ 8:30 PM – 9:30 PM (Asia/Manila)Location: 📍 Live via Google Meet💡 Are You St epping Into the Real World Without a Financial Roadmap\, Risking Years of D ebt and Financial Stagnation?Graduation marks the thrilling transition from student life to professional independence. For the first time\, you are ea rning your own income\, managing your own expenses\, and making major finan cial choices. Unfortunately\, most schools do not teach practical personal finance. Without proper guidance\, many fresh graduates fall straight into classic financial traps: accumulating high-interest credit card debt\, life style inflation\, failing to build emergency savings\, and delaying investm ents until it's too late. The financial habits you build in your early twen ties dictate your economic security for decades to come.What if you could b ypass costly financial mistakes\, master your money from day one\, and set yourself up for lifelong wealth and freedom?Are you anxious about managing your first salary\, paying off debts\, and securing your financial independ ence?❌ The Lifestyle Inflation Trap: Spending every raise and paycheck up grade immediately on luxury items instead of building assets❌ Credit Card Mismanagement: Treating credit cards like free money\, accumulating compou nding interest\, and damaging your credit score early❌ Zero Emergency Saf ety Net: Living paycheck to paycheck with no savings buffer\, leaving you o ne unexpected emergency away from financial crisis❌ Procrastinating on In vesting: Believing that investing is only for rich people or older adults\, missing out on years of compounding growthThe Goal: Equip fresh graduates\ , young professionals\, and early-career earners with practical financial l iteracy tools to avoid debt\, save smart\, and build early wealth.🔥 What You’ll LearnThe Fresh Graduate Financial BlueprintHow to structure your first salary using the 50/30/20 budgeting rule (Needs\, Wants\, Savings/Inv estments)Debt Management & Credit Card Survival GuideStrategies to pay off student loans or debts aggressively while using credit cards safely to buil d an elite credit scoreBuilding Your Bulletproof Emergency FundCalculating how much cash you need stashed away safely and where to keep it to maximize yield and liquidityIntroduction to Smart Investing & CompoundingDemystifyi ng stocks\, mutual funds\, and digital assets so you can let your money wor k for you starting todayAvoiding Lifestyle CreepHow to enjoy your hard-earn ed money without falling into the trap of spending everything you earn as y our income growsSetting Long-Term Financial MilestonesMapping out your fina ncial goals for your 20s (saving for a car\, moving out\, building a busine ss\, or buying property)🎯 Who Should Attend?✔ College & University Sen iors preparing to enter the workforce and manage their first independent in come✔ Fresh Graduates looking to clean up early financial habits and star t building savings✔ Young Professionals feeling stuck\, living paycheck t o paycheck\, and wanting to take control of their money✔ Parents & Mentor s wanting to guide young adults toward smart\, lifelong financial independe nce✔ Career Changers & Early-Career Earners looking to optimize their per sonal budgeting and investment strategy🎟️ Ticket TiersTicket TypeSuper Early Bird (Until Dec 03)Early Bird (Dec 04 – Dec 10)Regular Rate (Dec 1 1 – Dec 16)What’s IncludedRegular Pass₱300₱400₱500📍 Live Googl e Meet Access📜 Professional Proof: e-Certificate of ParticipationRegular Pass (50% Off)(Student / Senior / PWD)₱150₱200₱250📍 Live Google M eet Access📜 Professional Proof: e-Certificate of ParticipationVIP Pass ₱500₱800₱1\,000📍 Live Google Meet Access🎥 Full Course Recording Access📜 Full Skill Credential: e-Certificate of CompletionVIP Pass (50% Off)(Student / Senior / PWD)₱250₱400₱500📍 Live Google Meet Access 🎥 Full Course Recording Access📜 Full Skill Credential: e-Certificate of Completion🎓 Special Discounts VerificationTo claim the 50% discount r ates above\, eligible participants must submit verification using the corre sponding scholarship/discount application links:👴 Senior Citizens: https ://roc.ph/scholarships/seniorcitizen/🎓 Students: https://roc.ph/scholars hips/student/♿ PWD: https://roc.ph/scholarships/pwd/⚠️ Note: Limited slots available to ensure an interactive Q&A session. Reserve yours early! 📌 Secure Your Slot Now🔗 Register Here: https://roc.ph/event/avoiding- financial-mistakes-after-graduation-3/Missed the live event? Avail our Onli ne Full Access (e-recording & e-certificate) at: https://roc.ph/service/avo iding-financial-mistakes-after-graduation💬 “It's not how much money yo u make that matters\, it's how much you keep and grow. Avoid the traps\, ma ster your money\, and secure your financial future.”Upcoming Webinars: ro c.ph/webinarsRecorded Webinars: https://www.roc.ph/coursesWebinar Policy: r oc.ph/policy/webinar/Privacy Policy: https://roc.ph/policy/privacy/ LOCATION:Online DTSTAMP:20261106T150940Z DTSTART:20261217T123000Z DTEND:20261217T133000Z END:VEVENT END:VCALENDAR