Posts under Personal Finance

Reader Mail #34: Investing in UITF vs VUL

Posted December 9, 2016 under Investing, Personal Finance, Reader Mail | 2 Comments

Today, I’m sharing with you an email that I recently received. The sender is asking which is the better investment, UITF or VUL. Several people have also been asking me similar questions, that’s why I decided to answer it here today for everyone. But first, let’s read the letter of Mrs. M below: Hi Fitz. […]

Tags: , , , ,

9 Important Money Tasks You Should Do in December

Posted December 7, 2016 under Personal Finance | 2 Comments

The new year is just around the corner, and we’re now reaching the peak of the holiday celebrations. Most of us will be busy attending Christmas parties, school reunions, and yuletide events – but I hope you can also find time to do a personal financial check-up. It’s a good time to take stock of […]

Tags: , ,

How to Know if You Are Financially Ready to Get Married

Posted December 5, 2016 under Personal Finance | No Comments

Getting married is a major life decision. Apart from the changes in lifestyle that marriage brings, it also has a big impact in a person’s financial state. As such, it is important to have these four considerations, so as to determine if one is already financially ready to tie the knot and start a family. […]

Tags: , ,

5 Financial Habits You Should Establish in Your Twenties

Posted December 3, 2016 under Guest Posts, Personal Finance | No Comments

Between trying to find your career sweet spot, weeding out toxic relationships to get your personal life together, and finally coming around to making the down-payment for your first studio apartment — your twenties are also the time for when you’re supposed to start establishing a successful personal financial plan that won’t see you having […]

Tags:

FREE Download: Credit Card Debt Payment Calculator Excel Spreadsheet

Posted November 29, 2016 under Personal Finance | No Comments

If you own several credit cards and want to pay off your debts, then here’s a tool that can help you. This free download is an Excel spreadsheet that helps you calculate how much you should pay each credit card every month, so you can strategically reduce and eliminate your debts. I used the Snowball […]

Tags: , , , , ,

7 Bad Financial Advice That a Lot of People Follow

Posted November 25, 2016 under Personal Finance | 8 Comments

When you need financial advice, who do you ask? For many, it’s their closest friends. Unfortunately, not everyone can give good financial advice. If someone has no background nor experience in personal finance and investments, then they’ll most likely give misguided financial advice. But because we trust our friends, people who seek such advice are […]

Tags: , , ,

How to Save Money for a Laptop, Smartphone, and other Gadgets

Posted November 7, 2016 under Investing, Personal Finance | 3 Comments

Gadgets, such as laptops and smartphones, are now part of our lives. I dare say it’s essential to own them if we want convenient access to the internet and optimize our work productivity. Unfortunately, gadgets are expensive. A laptop that’s suitable for work can cost at least P30,000 or more than a month’s worth of […]

Tags: , , , ,

10 Easy Ways to Save Money on Christmas Gifts

Posted November 2, 2016 under Money Saving Tips, Personal Finance | 3 Comments

The holiday season is just around the corner. If you want to save money on Christmas gifts, now is the perfect time to start planning your budget. Don’t use all your Christmas bonus and 13th month pay on buying presents. Instead, plan your holiday shopping wisely so you’ll have money left for your savings and […]

Tags: , , , , , ,

8 Interesting Stories of People Who Became Millionaires

Posted October 25, 2016 under Personal Finance | 4 Comments

How do you become rich? I believe there are thousands of ways, but if you analyze them, you’ll see that they can be grouped into eight basic strategies. Below are interesting and amazing stories of people who became millionaires with each strategy. And along with each is a brief inspection of how easy or difficult […]

Tags: , , , ,

8 Questions to Ask Yourself to Know If You’re Ready to Buy a House

Posted October 22, 2016 under Guest Posts, Personal Finance | 2 Comments

Are you thinking of buying a house soon? If so, then understand that once you decide to purchase a home, then it will be difficult to back out from the financial responsibility that comes with it. Knowing the type of home, your budget, and the features you prefer is not enough; there are many other […]

Tags: , , , ,

The Psychology of Spending: How Money Makes Us Happy

Posted October 17, 2016 under Mindsetting, Personal Finance | 1 Comment

Do you shop whenever you feel stressed or depressed? If so, then you’re among many individuals who believe in retail therapy. However, research has found that buying stuff to improve one’s mood or disposition is a weak solution to a symptomatic problem. It’s like putting band-aid to a stab wound instead of seeking medical help. […]

Tags: , , ,

Retiring Soon? This is How You Should Invest

Posted September 29, 2016 under Investing, Personal Finance | 2 Comments

The average life expectancy of Filipinos is currently at 71 years old. This means that if you retire at 60, then your retirement fund should be able to sustain you for at least 11 years. And it could be more, as new advancements in fitness, nutrition, and medicine are making people healthier and live longer. […]

Tags: , , , ,