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 […]
Tags: breadwinner, Personal Finance
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 […]
Tags: bad debt, consequences of not controlling your debt, credit card debt, debt, early warning signs of personal debt trouble, signs someone is in debt, which of signs of debt problems
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 […]
Tags: budget, budgeting, budgeting burnout, how to avoid burnout, Money Saving Tips, Personal Finance
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 […]
Tags: find a mortgage broker, Guest Posts, mortgage broker, mortgage broker definition, mortgage broker fees, mortgage broker near me, Personal Finance, real estate, what does a mortgage broker do, why use a mortgage broker instead of a bank
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 […]
Tags: Mindsetting, money shame, Personal Finance, TED, TED Talk, TED Talks
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. […]
Tags: do financial advisors rip you off, famous financial gurus, financial advisor frauds, financial experts, financial guru, Personal Finance, Reader Mail
A guy is worried that he won’t be able to give the dream wedding that his fiancé always talks about. He sends me an email asking for advice on what he should do, and what he should tell her. Just immediately after I got the email, I asked my friends online for their thoughts. I’m […]
Tags: i can't afford a wedding, my fiance wants an expensive wedding, Personal Finance, Reader Mail
Debts and loans can be a good friend, who provides financial leverage and helps you in times of need. But it can also be an evil enemy, who cripples your budget and brings financial stress. More often than not, it’s how we manage our debts and loans that determines which of the two will come […]
Tags: bank loan, debt management, loans, loans management, Personal Finance
You probably heard from an insurance agent that you need to buy life insurance for your child. Getting life insurance for your kids has advantages and disadvantages. It’s a topic that’s often discussed among financial advisors, and I’d like to share some of my thoughts about it. Read on and learn about the pros and […]
Tags: bank account with life insurance, family life insurance, grandparents buying life insurance for grandchildren, life insurance, life insurance for parents, should i buy life insurance for my child, why get dependent life insurance
I was logging my week’s expenses on Excel the other day when I suddenly realized that I’ve been doing a lot of cashless spending. I use my credit card to gas up my car, which has an RFID Electronic Toll Collection (ETC) tag for when I drive along SLEX. For my meals, I pay with […]
Tags: banking, digital banking, Personal Finance, security bank
It might sound surprising on this day and age, but I have met people who don’t have a bank account. Or doesn’t like having their money inside a bank savings account. The reasons for being unbanked vary. Below are the most common I’ve encountered. Types of people who don’t have a bank account. 1. There’s […]
Tags: advantages of banking, advantages of opening a bank account, bank benefits for customers, banking, banks, benefits of a bank account, deposit accounts, importance of bank account, Personal Finance, savings accounts, what are the uses of bank
Hi, my name is Fitz Villafuerte and I’m a Registered Financial Planner living in the Philippines. In 2007, I started this blog to help people learn how to achieve financial freedom.
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