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
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
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 […]
Tags: christmas gift ideas, christmas gift ideas for friends, christmas gift ideas for her, christmas gift ideas for him, Personal Finance, unusual christmas gifts
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 […]
Tags: do not buy list, Money Saving Tips, Personal Finance, things to avoid buying, things you should not buy
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 […]
Tags: 20 4 10 rule, can i afford a car, car financing, car loan, how much car can i afford, how much car can i afford based on salary, how much car loan can i get approved for, how much should i spend on a car, Personal Finance, what car can i afford, what car can i afford calculator
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 […]
Tags: do i need an emergency fund, emergency fund article, emergency fund benefits, emergency fund examples, emergency fund size, emergency fund use, Personal Finance, where to put emergency fund
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 […]
Tags: borrow to invest, borrow to invest calculator, borrowing money to invest, borrowing money to invest in property, borrowing to invest in dividend stocks, Investing, is it illegal to borrow money to invest, Personal Finance, personal loan for stock trading, personal loan to invest in stock market
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