Budgeting & Saving

  • Living with a Deficit

    It was fairly obvious that we had a deficit in our monthly budget (Hello! I kept on selling stocks and taking out credit card loans on a regular basis just to keep up with the bills), but I wasn’t really sure exactly how much that deficit was. To be perfectly honest though, I think I […] Read more…

  • Saving on Christmas Gifts

    Christmas doesn’t faze me one bit. Nosirreee. This is primarily because I don’t subscribe to the notion of giving the perfect gift to everyone you know. It’s just unnecessary stress to add to an already stressful season. It also helps that I grew up with parents who didn’t wax poetic about Christmas being the most […] Read more…

Debt Management

  • FundKo: Peer to Peer Lending

    I’ve been seeing FundKo’s ads all over my Facebook feed and I have to admit, that they are very catchy, particularly the one with the girl in the snazzy trenchcoat. FundKo is peer to peer lending, with Fundko acting as the conduit between investor/lender and borrower. After registering in Fundko’s site, you will then have […] Read more…

  • The Happiest Time of the Year is Almost Here! (A Debt Update Post)

    That’s right boys and girls, end of year bonuses will soon be upon us! Wheeeee! You can feel the magic in the air and see the twinkle in everyone’s eyes because when you’re a working stiff like most of us are, receiving a month (or two!) of your salary as a bonus is the thing […] Read more…

Financial Literacy

  • Creating Abundance in 2018

    If you’re earning a salary then you will directly benefit from the Tax Reform for Acceleration and Inclusion, or TRAIN, because it lowers the personal income tax, among its other features. Check out this calculator from ABS-CBN to get an estimate on how much you’ll be saving on income taxes every month. The Department of […] Read more…

  • 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…

Investing & Retirement

  • How to Get Your Money Back From Manila Bankers Life Insurance

    The complaints keep on coming because Manila Bankers Life Insurance keeps on scamming. Its modus operandi goes like this: Call or text people using private numbers procured from some entity that has access to or collects personal data. Another way is to approach people at the mall (it’s best if the person looks young or […] Read more…

  • FundKo: Peer to Peer Lending

    I’ve been seeing FundKo’s ads all over my Facebook feed and I have to admit, that they are very catchy, particularly the one with the girl in the snazzy trenchcoat. FundKo is peer to peer lending, with Fundko acting as the conduit between investor/lender and borrower. After registering in Fundko’s site, you will then have […] Read more…

Life & Money

  • How to Get Your Philhealth Member Data Record Online

    As a government employee, I am an automatic Philhealth member and my husband and kids are my dependents. So when my husband was hospitalized several times in the last few years and I gave birth late last year, I gave thanks for Philhealth many times over for its subsidy and efficient system. What I specially love […] Read more…

  • Talking Numbers: Angioplasty Costs

    My husband talked about his recent angioplasty in these posts: 1, 2, 3. So if you’re wondering what it’s like to have an angioplasty or have any other inquiry related to the procedure, then I suggest you read his posts because this post will only deal with what and how much we spent on his procedure. Read more…

My Financial Journey

  • Hello Monkey, Meet Wrench!

    So the plan was all set, save Php50,000 (a.k.a. Dave Ramsey’s Baby Step No. 1) while paying off my credit card and personal loans. After that, increase mortgage payments and keep adding to my emergency funds. It was a fool-proof plan until life happened. Read more…

  • 2017 4Q Net Worth Report

    The last net worth update I made was for the second quarter of 2016, after which I deliberately did not do any more net worth updates because I wanted to focus on slaying my consumer debts. Also, computing my net worth was starting to frustrate me as my net worth kept on going down due […] Read more…

Psychology of Money

  • Creating Abundance in 2018

    If you’re earning a salary then you will directly benefit from the Tax Reform for Acceleration and Inclusion, or TRAIN, because it lowers the personal income tax, among its other features. Check out this calculator from ABS-CBN to get an estimate on how much you’ll be saving on income taxes every month. The Department of […] Read more…

  • 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…