personal finance
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A Hard Reset for the New Year: Reflecting on Finance, Health, and Spiritual Life
I used to have a PC desktop. Every time it froze or “hung,” my last resort was to reboot it. Once restarted, everything seemed to work fine again — at least until the next time it froze. As the New Year approaches, many of us feel the same way. We take time to review the Read more
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Why I am not into Bitcoin.
Two years ago, bitcoin/crypto investing seemed to be the best investment as many became instant millionaires, and a few billionaires. Some people I know jumped into the bandwagon. Me & my wife almost joined in the fray (who wouldn’t be attracted to this “investment craze” but the prudent side of me managed to hold back.) Read more
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Trickle Down Economy: Fact or Fiction?
Recently, I’ve been seeing posts on the current inflation rate in the country. The inflation rate for September 2019 was at 0.9% compared to 1.7% in August 2019 (image source:ABS-CBN news). But is it something to rejoice about? Let me ask you: Do you feel it? The low prices? Is it there? To the common Read more
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8 Ways to Renew our Old Mindsets on Personal Finance
Here are some of the old mindsets that pervaded our thoughts on Personal Finance. How it can be replaced with the new way of thinking? It’s like the old becomes new. Sounds familiar? But that’s the way it should be. 1. Old Mindset – Buy now, pay later. A. New Mindset – Save now, buy later. 2. Old Mindset Read more
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Financial Education is on the rise
It’s human nature that whenever you talk about money, people will pay attention. Maybe because, in some aspects, money is the tool we use to satisfy both our needs and wants. Both personal desires if I may say so. Money is the magnet that pulls our desires into reality from the economic point of view. Read more
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Notes on Total Money Makeover
Total Money Makeover is a book authored by Dave Ramsey. It’s about a proven plan for Financial Fitness. Here are a few hard and practical lessons I learned from this book: 1. Start saving up your emergency fund while paying your debts. It sounds easier said than done esp. if you’re earning just enough to Read more
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Credit cards
“Had to use my credit card. I’m broke and I don’t have cash to spend”. This all-too familiar statement is not rare. Rather, it is common. Many people, despite already being saddled with debts, still use their credit card to buy something. Oftentimes, they use credit cards even when they don’t really have to. Tell Read more
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On Money and Personal Branding
If I just want to make money, I can just hook up with different kind of sellers aside from maintaining my selling portfolio: the traditional ones, retail, wholesale, and the online seller in just about any kind of business and be their dealers or re-sellers. So if you’re working for money, you can be a Read more
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Notes from Steps to Financial Peace seminar
What: Steps to Financial Peace Seminar When: August 12, 2011 Where: Teatrino, Promenade, Greenhills Speakers: J. Randell Tiongson, Francis Kong, Jayson Lo, etc. This Finance seminar I attended was like no other. Here are some insights I picked up from this valuable seminar: 1. How to increase your Cash Flow Apply the 70/30 rule. Spend Read more
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