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Budgeting & Saving

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    Expense Tracking

    It feels so good to be writing again! The past few weeks have been super hectic and stressful, to the point that I was already suffering from an upset stomach and experiencing mild anxiety attacks. But I survived and I’ve learned that no matter how I try to avoid stress and stressful situations, they are […] Read more…

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    The Privilege of Waiting for Death

    I visited a high school teacher at his retirement home in Dasmarinas, Cavite a few weeks back and I was dumbstruck when he casually told me that he was just waiting for God to call him. The conversation pretty much went like this: Me: Brother Harry! Brother Harry: Oh my! Hello! Hello you precious girl! […] Read more…

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Debt Management

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    Guest Post: Seven Top Risks of Salary Loans

    I found it interesting how someone working for a loan provider pitched an article for the risks of taking out a salary loan. But the fact remains that salary loans, when taken out by someone unaware of its risks, can easily morph into a hydra, growing more heads and becoming more daunting with the passage […] Read more…

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    How To Waive Credit Card Annual Fees

    A few days ago, I asked for the reversal of my credit card’s annual fee of Php2,250. Yesterday, I received a text message saying that my request for reversal was not approved but that they hoped I would still continue using the credit card so that I can qualify for waiver next year. In your […] Read more…

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Financial Literacy

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    Making It Official

    This certificate, together with the membership card and a pack of calling cards, was delivered today. There you have it, I’m officially a Registered Financial Planner. Yay me! Now what the hell am I going to do with this new credential?! I ran a free financial coaching contest a few weeks back and since people […] Read more…

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    Freebie Alert!

    I’m not sure if I mentioned this before but I finally made my Registered Financial Planner status official by paying the membership fee last July, after my financial plan got approved in February. At first I was hesitant to shell out the Php5,000 fee because I still had no clear idea what to do with […] Read more…

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Investing & Retirement

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    Sun Life Prosperity Card

    A few months back, I received a message that one of the entries I entered for Sun Life’s Sinag Financial Literacy Awards made it as a finalist. Of course I was very, very thrilled! Sun Life is a game changer in the life insurance landscape and probably the biggest supporter of financial literacy in the […] Read more…

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    My Son, the Investor

    For his birthday this year, my son received some cash from his godparents. Instead of starting a savings account or spending it on toys, I opted to open a stocks brokerage account for him since I’ve always entertained the thought of buying stocks in my son’s name considering that the yield is far superior than […] Read more…

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Life & Money

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    2015 Recap and Looking Forward to 2016

    Last year was all about changes on almost all fronts of my life. I moved jobs, leaving the judiciary after almost 5 years to try my hand in the legislative department. With the job change came the requisite 2 month wait, although in my case it became 3 months, for my first salary. The moment […] Read more…

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    Building a Home

    We started condo constructions sometime in August by creating a doorway and joining the two units together. Things didn’t go as scheduled as they were held up by our unprofessional carpenter, nonetheless, although  the work was not  100% finished by the time December rolled in, we did not hesitate to host my family for Noche […] Read more…

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My Financial Journey

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    2015 4Q Net Worth Report

    The last quarter of 2015 has been rough on my equity investments, while the next few months show no sign of easing up as well. Forget Pantone’s colors of the year, it looks as if screaming red is going to be this year’s hue. Despite the lackluster and pathetic performance of my stocks and mutual […] Read more…

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    When She Brings Home the Bacon

    Growing up, I used to hear anecdotes about my Lola, a public school teacher, giving my Lolo, a public prosecutor, a monthly allowance to spend on his tabako and haircut, while the rest of his salary went to her. She micromanaged their family’s budget to the peso, which is why all five of their daughters […] Read more…

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Psychology of Money

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    Why Throwing Money at a Problem Hardly Ever Works

    A funny thing happened at work a few weeks ago during budget deliberation. After my boss made an impassioned plea about the government actually doing something to help the education sector, specifically higher education, instead of merely declaring it a priority with no concomitant action, a senator offered to increase the budget of the Commission […] Read more…

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    The Beauty of Enough

    I first read about the Fulfillment Curve a few months back and promptly tucked it away for further research, eventually forgetting about it. It was only recently while reading the cult classic “Your Money or Your Life” that I was once again introduced to this concept. In a nutshell, studies have repeatedly shown that happiness […] Read more…

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