Posts under Personal Finance

Basic Guide on 10 SSS Benefits for Members

Published: August 27, 2019 | General Information, Personal Finance | 1 Comment

Many employees think that the Philippine Social Security System or SSS is just for receiving pension upon retirement. The truth is, paying your SSS contributions regularly could allow you to apply for and receive the following eight benefits. 1. Sickness Benefits This is a daily cash allowance paid for the number of days a member […]

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Your First Home: 10 Signs That You’re Ready To Buy a Property

Published: August 19, 2019 | Personal Finance | No Comments

Buying their first home property is the primary financial goal of almost all newlyweds I’ve met. The most common question they have for me: “How can we afford to buy a house?” The answer mostly depends on the type of house they’d like to purchase, their credit worthiness, and their cashflow — especially their cashflow. […]

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How To Save Money on Remittances

Updated: August 18, 2019 | Personal Finance | 1 Comment

As you read these words, millions of overseas workers are trying to make a living. Not just for themselves, but their families as well. They work long hours so they can send hundreds of dollars per month to their parents, their siblings, their kids. $300 may not sound like much, but in The Philippines, Mexico, […]

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8 Good Reasons To Apply For a Personal Loan

Published: August 14, 2019 | Personal Finance | 1 Comment

Personal loans are so accessible these days. You can even apply for it online. And most don’t need a collateral and just base your approval on your creditworthiness. Unsecured (no collateral) loans always come with high interest rates. And this makes them a doubled-edged sword. It can help by providing you with financial leverage, but […]

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Practical Financial Goals For Every Decade of Your Life

Published: August 8, 2019 | Personal Finance | 1 Comment

What financial goals should you strive for in your 20s, 30s, and until you retire in your 60s and beyond? Here’s a list that can serve as your guide. In your 20s Build an emergency fund Ideally, this should be at least 6 months worth of your necessary expenses. If you achieve this, you would […]

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6 Essential Money Lessons for Breadwinners

Updated: June 19, 2019 | Personal Finance | 3 Comments

It’s not easy to be a family breadwinner. Being able to provide for the needs of others entails a lot of hard work and sacrifice. And sometimes, this means setting aside your personal dreams because you have to prioritize your family’s needs. If you’re a breadwinner, then let me tell you that you have my […]

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6 Early Warning Signs of Debt Trouble and How To Avoid It

Published: June 6, 2019 | Personal Finance | 2 Comments

People who are deep in financial liabilities didn’t just wake up one day and suddenly found themselves drowning in debt. Debt troubles don’t happen overnight. In most cases, it started from a series of bad financial decisions and poor money habits, which were left unchecked and never corrected. Below are some of the early warning […]

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How To Avoid Budgeting Burnout

Published: May 24, 2019 | Personal Finance | 3 Comments

It’s important to create and follow a budget, especially if you want to become financially secure. But unfortunately, this is often easier said than done. For most people, creating a budget is relatively easy. Just open a spreadsheet or get some envelopes, and then allocate your income towards the various expenses that you have. The […]

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What is a Mortgage Broker? 7 Good Reasons to Use One

Published: May 14, 2019 | Guest Posts, Personal Finance | 2 Comments
mortgage broker

You’ve zeroed in on your search and found your dream home. Now you’re on the hunt for the mortgage you need to put those keys in your hand. Not many know that one option you can take is to work with a mortgage broker who can guide you through the lending process from beginning to […]

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Let’s Get Honest About Our Money Problems

Published: April 20, 2019 | Mindsetting, Personal Finance | No Comments

Struggling to budget and manage finances is common — but talking honestly and openly about it isn’t. Why do we hide our problems around money? In this thoughtful, personal talk, author Tammy Lally encourages us to break free of “money shame” and shows us how to stop equating our bank accounts with our self-worth. Enter […]

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How Do You Identify and Deal With Fake Financial Gurus?

Published: February 28, 2019 | Personal Finance, Reader Mail | 6 Comments

When I started writing about personal finance back in 2007, there were only a handful of us, Filipino bloggers, who are in the financial niche. Fast forward to more than a decade later, especially due to the growth of social media, there’s now a multitude of financial gurus who dispense money and investment advice online. […]

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