Budgeting & Saving

  • How to Do Interbank Fund Transfer using the Landbank Mobile Banking App

    I would have done this review of Landbank’s Mobile Banking app earlier except that my smartphone ran out of internal memory and the external memory I added was useless, so I couldn’t download the app. I resigned myself to the fact that I would have to make do with Landbank iAccess using my desktop and […] Read more…

  • Budgeting My Way to Being Debt-Free

    Budgets come in all sorts of variants and permutations, but the best type of budget is the one that actually works for you. The strictest budget that I know of is the zero-sum budget. With it, you have to “spend” every cent you make or to be more precise, you give every cent you make […] Read more…

Debt Management

  • Budgeting My Way to Being Debt-Free

    Budgets come in all sorts of variants and permutations, but the best type of budget is the one that actually works for you. The strictest budget that I know of is the zero-sum budget. With it, you have to “spend” every cent you make or to be more precise, you give every cent you make […] Read more…

  • State of Debt

    I used to make regular net worth updates and then post them here on my blog. I still regularly track my net worth, although I just don’t post them here anymore because, honestly, I’m disappointed with myself and my failure to dramatically increase my net worth. But since this is a personal finance blog after […] Read more…

Financial Literacy

  • Following the Hierarchy of Financial Needs

    There was a time I had about 3 months worth of expenses in my savings account, I was steadily buying stocks, and would go on regular trips, both local and abroad, with my family and friends. I recently reminisced about those happy, flush days while I filled out another stock withdrawal form and I couldn’t […] Read more…

  • What Happens to your BPI Save Up Account After you Die

    I’ve talked about BPI Save Up quite a lot in my blog since it really is a good product.* In a nutshell, it’s a savings account with a life insurance aspect, a tie-up between BPI and Philam Life. The depositor is the insured and can nominate a beneficiary(ies) upon opening a BPI Save Up account. […] Read more…

Investing & Retirement

  • What to Do After You Get Scammed By Manila Bankers Life Insurance

    Without a doubt, my post on the shady practices of Manila Bankers Life Insurance is the most popular post on my blog. I’m still amazed that the comments keep coming in and how Manila Bankers continues to prey on innocent people who hand over their credit cards in good faith merely for verification purposes, but […] Read more…

  • The Chairman’s Message + Webinar on Stock Trading

    I received this year’s COL Financial Chairman’s Message and it began with this panama quotation: “If investing is entertaining, if you’re having fun, you’re probably not making any money. Good investing is boring.” –George Soros I must be doing something right then because my stock portfolio is the most boring thing on the planet right […] Read more…

Life & Money

  • How to Do Interbank Fund Transfer using the Landbank Mobile Banking App

    I would have done this review of Landbank’s Mobile Banking app earlier except that my smartphone ran out of internal memory and the external memory I added was useless, so I couldn’t download the app. I resigned myself to the fact that I would have to make do with Landbank iAccess using my desktop and […] Read more…

  • How to Get a Police Clearance from Paranaque City

    I recently had to apply for a police clearance from Paranaque and I took a leave from work just to get this done in anticipation of the long lines and the usual time consuming, patience reducing ordeal when it comes to applying for any government document. But I was pleasantly surprised to find out that […] Read more…

My Financial Journey

  • Following the Hierarchy of Financial Needs

    There was a time I had about 3 months worth of expenses in my savings account, I was steadily buying stocks, and would go on regular trips, both local and abroad, with my family and friends. I recently reminisced about those happy, flush days while I filled out another stock withdrawal form and I couldn’t […] Read more…

  • My Future Foretold

    Whenever I pass through the Padre Faura gate, I usually walk past this man in a white collared, short sleeved shirt tucked neatly in his pants. Sometimes he would be reading a newspaper or smoking a cigarette but he would always be stationed near a small table with two stools and an electric motorbike. His […] Read more…

Psychology of Money

  • Vicki Belo Rich

    Just how rich is Vicki Belo exactly? FYI, the good doctor is a certified billionaire. Which is why some people reacted when Vicki Belo posted a video during her honeymoon  in Italy, playfully “pretending to be rich.” Some people bashed her and her supposedly faux humility and insensitivity, but some praised her work ethic and […] Read more…

  • Getting Rid of My Middle Class Mindset

    I am the sole breadwinner in my family. I brave Metro Manila traffic twice a day to get to work. And when I do get to work, there’s always this nagging feeling that I’m not good enough and that my boss will eventually agree with me. Stress! Stress! Stress! Of course I deserve this treat! […] Read more…