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Budgeting & Saving

  • Budgeting My Way to Being Debt-Free

    Budgets come in all sorts of variants and permutations, but the best type of budget is the one that actually works for you. The strictest budget that I know of is the zero-sum budget. With it, you have to “spend” every cent you make or to be more precise, you give every cent you make […] Read more…

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  • 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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Debt Management

  • Budgeting My Way to Being Debt-Free

    Budgets come in all sorts of variants and permutations, but the best type of budget is the one that actually works for you. The strictest budget that I know of is the zero-sum budget. With it, you have to “spend” every cent you make or to be more precise, you give every cent you make […] Read more…

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  • State of Debt

    I used to make regular net worth updates and then post them here on my blog. I still regularly track my net worth, although I just don’t post them here anymore because, honestly, I’m disappointed with myself and my failure to dramatically increase my net worth. But since this is a personal finance blog after […] Read more…

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Financial Literacy

  • What Happens to your BPI Save Up Account After you Die

    I’ve talked about BPI Save Up quite a lot in my blog since it really is a good product.* In a nutshell, it’s a savings account with a life insurance aspect, a tie-up between BPI and Philam Life. The depositor is the insured and can nominate a beneficiary(ies) upon opening a BPI Save Up account. […] Read more…

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  • Kasambahay Insurance

    I don’t remember a time when we did not have a kasambahay. Growing up in my grandparents’ house in Zamboanga, we always had kasambahays who helped my Lola cook and keep house. The kasambahays were usually distant relatives whom my grandparents were putting through school, or non-relatives who offered their services in exchange for the […] Read more…

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Investing & Retirement

  • What to Do After You Get Scammed By Manila Bankers Life Insurance

    Without a doubt, my post on the shady practices of Manila Bankers Life Insurance is the most popular post on my blog. I’m still amazed that the comments keep coming in and how Manila Bankers continues to prey on innocent people who hand over their credit cards in good faith merely for verification purposes, but […] Read more…

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  • The Chairman’s Message + Webinar on Stock Trading

    I received this year’s COL Financial Chairman’s Message and it began with this panama quotation: “If investing is entertaining, if you’re having fun, you’re probably not making any money. Good investing is boring.” –George Soros I must be doing something right then because my stock portfolio is the most boring thing on the planet right […] Read more…

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Life & Money

  • Kasambahay Insurance

    I don’t remember a time when we did not have a kasambahay. Growing up in my grandparents’ house in Zamboanga, we always had kasambahays who helped my Lola cook and keep house. The kasambahays were usually distant relatives whom my grandparents were putting through school, or non-relatives who offered their services in exchange for the […] Read more…

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  • The Empire Has Fallen!

    In a perfect world, I will be just like the FQ mom who writes timely posts on events a day or two after they happen. But sadly, blogging is a hobby, not even a lucrative one at that, and it’s usually fourth or fifth in line on my list of priorities on a Saturday morning. And […] Read more…

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My Financial Journey

  • Preparing for Baby No. 2

    I am currently 17 weeks and 4 days pregnant which means that this baby is due to arrive about a week or two before Christmas. Being the second born, the hubby and I are no longer as wide-eyed with excitement as we were with our first. Yes, there is still joy with the thought of […] Read more…

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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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Psychology of Money

  • Getting Rid of My Middle Class Mindset

    I am the sole breadwinner in my family. I brave Metro Manila traffic twice a day to get to work. And when I do get to work, there’s always this nagging feeling that I’m not good enough and that my boss will eventually agree with me. Stress! Stress! Stress! Of course I deserve this treat! […] Read more…

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  • Unsolicited Advice to a Millennial

    Cosmo.ph had this article where Marie, a 26 y.o. in the publishing and advertising industry, tracked down her expenses for a week. While I wasn’t surprised with how the author spent her money, I was taken aback with the vitriol generated by her article. The outpouring of criticism was most probably was spurred by her […] Read more…

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