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Budgeting & Saving

  • Lifestyle Assessment Series: Foodstuff

    As part of the Uber Frugal Month Challenge, I’ve been scrutinizing our expenses to see what parts of our household budget we can improve on. My main goal in participating in the UFMC is to minimize spending and throw all that extra cash towards building up our savings and investments which have been decimated because […] Read more…

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  • Taking the Uber Frugal Month Challenge

    One of my favorite personal finance bloggers is sponsoring a frugal month challenge. Alison of the Frugalwoods will guide and handhold her readers towards a month of conscious frugality, helping us get our spending to align with our goals. The challenge begins January 1 on the dot and Alison wrote a nifty guide to steer […] Read more…

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Debt Management

  • Landbank iAccess

    I finally submitted all my employment requirements two weeks ago and was told early last week that I can already open a Land Bank payroll account. This means that I should receive my initial pay in about a month. Hooray! This isn’t the first time I’ve had a Land Bank payroll account though, but this […] Read more…

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  • The Bank with a Heart

    Have you seen the Philippine Veterans Bank (PVB) TV commercial with Heart Evangelista? If you haven’t, feel free to watch the video first. I’ll wait for you. Are you done? Ok. It’s only fair to share…400 Read more…

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Financial Literacy

  • The Registered Financial Planner Program- Is It For You?

    I received some questions regarding the Registered Financial Planner (RFP) Program that I took up a few years back. In order to address the frequently asked questions, I am posting in full my correspondence with a reader who was thinking of taking up the program too. I hope this helps out others who are also […] Read more…

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  • Kasagana Ka Development Center, Inc.

    Today I’m turning over the spotlight to Kasagana Ka Development Center, a social development nongovernment organization that services urban poor communities. I first learned about Kasagana Ka last March when I was invited to give a talk on personal finance for the Women’s Month program of a government agency, and the other speaker, Ms. Evangeline […] Read more…

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Investing & Retirement

  • PERA, at last!

    Who else is happy that the Personal Equity Retirement Account (PERA) law will finally be implemented?! In a nutshell, the PERA is a voluntary retirement system where contributions are made by both employees and employers, kind of like the 401k in the United States. You get a tax credit of 5% of your PERA contributions […] Read more…

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  • On Shady Marketing Practices: Manila Bankers Life Insurance

    I received a call from an unknown number on my cellphone last Friday and this was how our conversation played out: Manila Bankers Life Insurance (MBLI): Good afternoon ma’am Clemens, this is _____ from Manila Bankers Life Insurance and I’m calling you today to inform you that in celebration of MBLI’s anniversary, you won an […] Read more…

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Life & Money

  • Lifestyle Assessment Series: Transportation

    My parents gave me a car a few months after I became a lawyer and joined a law firm near our house. I guess they got tired of my sister and I squabbling over my mom’s car, which my mom also used, and they couldn’t fathom that their lawyer daughter would take a jeep or […] Read more…

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  • Hasta La Vista 2016!

    So who else is excited to see 2016 leave the room? It has really been such a trying year on all fronts. The war in Syria and the mass of refugees has been heartbreaking and the Trump win, why America, why?!?! But why even go abroad when our own local news is already enough fodder […] Read more…

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My Financial Journey

  • The Cost of Back Surgery

    In the past two months, my husband was hospitalized twice, with the second visit for his back surgery where titanium screws were inserted in one of the vertebrae of his spine (read his take on the procedure here). His doctor, an orthopedic surgeon, declared the operation a success and signed the discharge sheet last Monday, […] Read more…

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  • 2016 2Q Net Worth Report

    I reached a milestone last quarter when my net worth passed a certain threshold amount. I also had a 9.16% increase in net worth from 1st quarter this year, which incidentally is the biggest increase I’ve ever had since I started tracking my net worth and is also so close to my dream of a […] Read more…

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Psychology of Money

  • Fast Facts on Filipino Money Habits

    I received this very interesting infographic on Filipino money and spending habits from Pawn Hero a few weeks ago. I took the bits that caught my interest but you can see the full infographic here. The sources are the World Bank, Master Intelligence and Nielsen and they are written in tiny print at the bottom […] Read more…

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  • Thoughts on Earning a Living

    I started working about a month after I took the bar. Give or take a few months, I have been earning a paycheck for about a decade and in those ten years, I have had my share of whining, company gossip and politics, tongue-lashing and a massive sense of entitlement. Looking back now, I really […] Read more…

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