Posts tagged ‘Personal Finance’

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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If You Did Not Win The Lotto, Here’s What You Need To Do Next

Published: October 15, 2018 | Personal Finance | 1 Comment

You checked the winning lotto numbers, and realized that you did not win. For a few minutes, you hope that nobody won the huge jackpot so you can play again in the next draw. Unfortunately, it was shortly announced in the news that someone got all six numbers. And in an instant, the record-breaking lottery […]

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If I Won P700 Million in the Lotto, then I Will Stop Investing and Here’s Why

Published: September 26, 2018 | Personal Finance | 4 Comments

The Philippine Ultra Lotto jackpot has reached the P700 million mark. As of writing this article, it’s actually now P734 million. This fact has inspired a lot of friends to daydream on what they’ll do if they won the lotto jackpot. And one of them shared this answer: [If I won the lotto, I would] […]

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Personal Finance Strategies to Cope With the Rising Inflation

Published: September 7, 2018 | Personal Finance | 6 Comments

Inflation is a normal part of our economic life. Prices of stuff will always go up. And its effect is minimal as long as our income is able to catch up. From 1992 until 2017, the annual inflation rates in the Philippines were between 1.4% to 9.8% for any given year. If you received a […]

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Maintaining An Air Conditioner Unit In A Tropical Climate

Published: September 1, 2018 | Guest Posts, Money Saving Tips, Personal Finance | No Comments

The 2017 World A/C demand was estimated to reach 110.56 million units in 2017, which showed an 8.1% increase over the previous year. The second-largest market for air conditioning units in the world was Asia, whose demand reached 17.30 million units. This isn’t that astounding considering that the coldest month in places such as the […]

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8 Admirable Habits of Debt-Free People

Published: August 17, 2018 | Personal Finance | 6 Comments

What is it like to be debt-free? What does it take to live a debt-free lifestyle? Is it possible to become debt-free on a low income? For me, the biggest advantage of being debt-free is never having to worry about debt collectors. And consequently, avoiding the emotional distress caused by their constant calls and letters. […]

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