Posts under Personal Finance

How Do You Identify and Deal With Fake Financial Gurus?

Published: February 28, 2019 | Personal Finance, Reader Mail | 5 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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I Can’t Afford The Dream Wedding of my Fiancé, What Should I Do?

Published: February 14, 2019 | Personal Finance, Reader Mail | 1 Comment

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 […]

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Tips To Manage Your Debts and Loans

Published: January 21, 2019 | Personal Finance | No Comments

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 […]

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3 Practical Tips on Digital Banking To Help Improve Your Financial Habits

Updated: January 21, 2019 | Personal Finance | 3 Comments

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 […]

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7 Great Christmas Gift Ideas When You Don’t Know What to Give

Published: December 12, 2018 | Personal Finance | No Comments

Christmas is a season for gift-giving. And as much as it’s exciting to receive gifts, it’s also a bit disappointing when you get a present that you don’t really like. Do you agree? That’s why in giving presents, it’s important to get something that the receiver will appreciate. It could be something we know that […]

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How to Control Your Spending with a “Do-Not-Buy” List

Published: December 7, 2018 | Money Saving Tips, Personal Finance | No Comments

Lists are great. It helps us become more organized, and writing down lists keeps us from constantly remembering things. We create “To-Do” lists to help us remember important tasks. Meanwhile, a “To-Buy” list when going to the grocery, helps us remember all the important stuff we need to purchase. Years ago, I wrote about the […]

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How to Know If You Can Afford to Buy a Car

Published: November 29, 2018 | Personal Finance | 1 Comment

Having a car is convenient, especially if you have a mobile lifestyle. It becomes especially useful if you do a lot of field work. If you have kids, then having a car makes it easier to bring and fetch them at their school. But also, owning a car helps when you need to travel with […]

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10 Common Life Events That Require an Emergency Fund

Published: November 13, 2018 | Personal Finance | No Comments

Everyone needs an emergency fund, which should be at least 6 months worth of your monthly expenses. That is, if you spend P30,000 a month, then your emergency fund should amount to P180,000 (or even a little higher). A lot of people find it hard to save that much money. They’ll be able to save […]

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Is It Smart To Borrow Money to Invest in the Stock Market?

Published: November 6, 2018 | Investing, Personal Finance | 1 Comment

A friend asked me if it’s a good idea to take out a personal loan and then use the money to invest in the stock market. He shares that he can borrow money at 1.2% interest from his bank. And since the stock market earns more than that, then he can pay for the loan […]

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