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Budgeting & Saving

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    Halloween 2016

    Halloween is my most favorite holiday, with New Year being a close second and Christmas a distant third. Every year, I look forward to what I can dress my son in and the idea is to DIY a costume because: (1) I want to flex my creative muscle and (2) I’m too cheap to buy […] Read more…

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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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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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    It’s a Crazy Planets*

    Allowing Ferdinand E. Marcos’ burial under the pretense of the President’s policy of promotion of national healing and forgiveness lowers the victims’ dignity and takes away from them their right to heal in their own time. Allowing the Marcos burial on the premise of national healing and forgiveness is a compulsion from the State for […] Read more…

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    Online Shopping Hits and Misses

    Online shopping is my poison of choice. I love the convenience of buying and paying for goods with a few clicks. I can usually control my spending when it comes to brick and mortar shops since just the idea of going to the mall tires me out. But not so much with online shops. Here […] Read more…

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My Financial Journey

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    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

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    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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