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Budgeting & Saving

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    Inspired Savings

    Have you heard about the habal habal (modified motorcycle) driver from Cebu who bought a brand new motorcycle in cash, or rather, in coins? Jeffrey Catayas saved P5 and P10 coins in bamboo slats for 8 months before bringing his savings to a Honda Center in Cebu. The Honda employees helped count his coins and […] Read more…

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    Five Surprising Ways to Save Money

    When it comes to saving money, the internet is replete with common sense advice such as spend less than what you earn, stop eating out all the time, take public transportation etc. etc. and so forth. If you read enough of those lists/ articles, you’ll notice that there are several recurring principles behind those pieces […] Read more…

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Debt Management

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    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…000 Read more…

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Financial Literacy

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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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    ICON 2016

    If you are a long-time reader of my blog, then you already know how much premium I place on financial education. So much so that I shelled out good money to take a certification course even if it had no direct correlation to my present career (It’s the learning, stupid!). But I had fun and […] Read more…

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Investing & Retirement

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    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

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    Cookie Jar Funds

    So a funny thing happened last Tuesday. My husband has been having persistent back pains these past two weeks, so I planned to take a leave from work on Wednesday to bring him to the doctor for a much-delayed check-up. However, around Tuesday afternoon, my husband called to say that the pain level had risen […] Read more…

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    Rethinking My Education Bias

    My son celebrated his third birthday today, and when I think about how much it will cost to send him to a good high school and college, I kind of die a little inside when I look at the figures. Heck, I don’t even have to look that far ahead into the future because just […] Read more…

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My Financial Journey

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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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    Change is Coming

    Sorry if the title is misleading, but I’m actually not going to talk about the upcoming administration, rather, this will be a more personal and self-indulgent post on my most favorite topic, me. So I’ve already written about my current boss’ end of term and how that will affect us (i.e. I will lose my […] Read more…

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Psychology of Money

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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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    Running and Personal Finance

    I’ve always had a difficult relationship with running. On paper it would seem as if we’d get along well because I’m an introvert who shies away from team sports. I even participated in track and field competitions during highschool intramurals, and was a member of the track and field team for a few months. A […] Read more…

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