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Financial Health

Financial Health Financial Planning Savings and Investments

Money Saving Tips 101: Exploring Divisoria (Part I)

divisoria

My 3 years old son will be the ring bearer to one of our close friends’ wedding.   As advised, he needs to wear a powder blue long sleeves, a dark gray vest, a peach neck tie, black pants and black shoes.  To buy all these, there is only one place that came into my mind- DIVISORIA!

For me, this place is so fantastic that I can’t imagine a thing you need that you can’t find here.  Aside from a huge variety of goods that you can buy here, one of the many reasons why people go here is to SAVE money.  Items are cheaper, especially if you’re buying in bulk.  You can negotiate with vendors (in short, pwede pang tumawad!).  Quality wise, products are OK in general.  I have clothes that I can still wear till now and toys that are still being played by my kids.  Continue Reading

Financial Health Savings and Investments

Where Does Your 13th Month Pay Go?

13th mont pay pix

Its Christmas season again which I think is the most festive time of the year.   And let’s admit it, one of the best things we are excited about it is our 13th month pay!  For Filipinos, this additional month worth of salary is considered as our Christmas bonus.  In fact, it is required by law to be paid not later than the 24th of December every year.  Continue Reading

Financial Health Insurance OFW

Insurance and How it Touches My Life (A personal testimony on the benefits of Life Insurance)

my personal testimony

My father was a great sales person.  When he was a teenager, he sells adobong mani (peanuts) and crispy chicharon to commuters bound to Bulacan and Cabanatuan by transferring from one bus to another.  He also sells soft drinks and water which is a sure hit, as he knows that customers will get thirsty after they eat a pack of chicharon. Continue Reading

Financial Health Financial Planning Savings and Investments

No Worries with Credit Cards

Credit card

Are you a credit card holder?  Do you love swiping them every time you spotted a new pair of shoes, or a very fashionable bag, or the latest Apple gadget? Have you ever experienced paying Interest/Finance Charge or Late Payment Fees because you were not able to pay, at least the minimum amount due, on time?

If you are to ask me, then my answer is a big YES!  But that was before. :) Continue Reading

Financial Health Financial Planning Savings and Investments

Spend Wisely. Spend Smartly.

spend

Money comes, and money goes… But you always wonder where does it go?  You receive your salary monthly, but it just passes our hand.  It is credited in our payroll account, then suddenly it’s gone!

This may have something to do with our spending habits. We spend like there will never be tomorrow.  We love to be a one-day millionaire.  We’re so much into new gadgets, unlimited vacation trips, eat-all-you can foodtrips, and so on and so forth.  Yes, this is our way to pay ourselves for our hardwork and stress, but everything must be in moderation… :) Continue Reading

Financial Health Financial Planning Insurance OFW Retirement Savings and Investments Stock Market

Why Invest in Variable Unit Linked (VUL) Product?

vul2

Life Insurance is the most neglected financial product by many, where in fact, it is the most important asset to have, especially by breadwinners of the family.  In earlier years, if you introduced yourself as an “insurance agent”, people will automatically try to avoid you.  Why? Continue Reading

Financial Health Financial Planning Insurance OFW Retirement Savings and Investments Stock Market

LIFE INSURANCE: FACT OR FICTION

rubber stamp with inscription INSURANCE

My mother is an agency manager in the biggest and most trusted insurance company in the country.  She’s been working there since she is 21 years old and even up to now that she’s already 68.   My father, on the other hand, is also an insurance agent in the same company for more than 30 years.  With my parents Continue Reading