Personal Finance


6 Financial Rules of Thumb in Saving and Investing

6 Financial Rules of Thumb in Saving and Investing

We all make financial decisions in our everyday life from determining whether a certain expense is a need or a want to prioritizing which expenses need to go first among those necessities. Everyone’s situation is different that is why no single financial advice can be considered best for all. However, there are some “rules of […]


How to be Frugal in the Office

Our office is considered as a second home for many of us. It is our home away from home as we spend a significant amount of our daily lives to work inside the four walls of our rooms and cubicles in the office. Being frugal in the office is quite hard especially if you are under […]


Top Spending Habit Mistakes Committed by Most Filipinos Today

Top Spending Habit Mistakes Committed by Most Filipinos Today

Y.O.L.O or You Only Live Once is a philosophy common to many Filipinos. If it were not a factor that could affect their financial health, adhering to it would be a good thing. However, Y.O.L.O has the potential to compromise their ability to become financially stable since it involves a carefree lifestyle that could influence […]


The Power of Compounding

The Power of Compounding

The proverb ‘the early bird catches the worm’ is not only true to work but also when it comes to investing. Most people prefer instant gratification especially if they worked really hard for that money. They need to instantly gratify themselves in order to savor the rewards of their hard work. One of the ways […]


5 Ways to Save Money on Christmas Gift Shopping

5 Ways to Save Money on Christmas Gift Shopping

For some countries like the Philippines, Christmas begins at the start of the “ber” months: SeptemBER, OctoBER, NovemBER, and finally DecemBER. As the countdown begins, more and more people are planning and shopping for Christmas. As a shopper, you will surely be tempted with a lot of bargain items displayed in various retail stores. Without […]


Getting a Good Deal on Credit Cards

Getting a Good Deal on Credit Cards

If savings is the foundation of wealth, bad debts are considered as the destroyer of wealth that can easily corrode you on your way to bankruptcy. Nowadays, it is no surprise that credit cards are one of the best sources of bad debts. Almost anyone owns a credit card. It is easily accessible and provides […]


The Prize of Delayed Gratification

The Prize of Delayed Gratification

It’s that time of the year once again. Most companies have ended their fiscal years and gave performance bonus to most of their employees. Employees were awashed with cash and they were very happy thinking of where to spend it since they worked hard to earn it. Are they going to buy new clothes, new […]


Li Ka-Shing Secret Formula to Wealth

Li Ka-Shing Secret Formula to Wealth

I was watching ANC “On the Money” for which I was featured almost two years ago and Li Ka-Shing’s formula in wealth accumulation was the featured topic of the show in a segment. Li Ka-Shing is the richest person in Asia and the 20th billionaire in the world with a net worth of USD 28.8 […]


5 Early Signs that You’re in Financial Trouble

5 Early Signs that You’re in Financial Trouble

Personal finance is the financial management of either an individual or family as a unit. This means that you are able to pay for day-to-day living expenses as well as unexpected emergencies while saving a part of what you earn for both investment and retirement for a brighter financial future. Unfortunately, many people don’t realize that […]


Top 5 Reasons Why You’re Not a Millionaire

Top 5 Reasons Why You’re Not a Millionaire

Many people struggle how to become a millionaire. There seems to be an impression that if you’re a not a millionaire, you don’t work hard enough. While it is true that hard work may contribute to becoming a millionaire, it is more on the discipline and mindset in avoiding pitfalls and bad financial decisions. Today […]