Janice

Certified WAHM l Licensed Financial Advisor & Professional Teacher l Financial Literacy Advocate l Founder of www.pinayinvestor.com

spend-christmas-bonus-wisely-philippines

No Spend November: How to Save Big Now So You Can Spend Guilt-Free in December

| Personal Finance

November’s here, and you know what that means: the holiday countdown has officially begun! With all the fun stuff coming up—Christmas parties, gifts, Noche Buena feasts, and family gatherings—it’s also the season for big spending. But what if this year, instead of blowing through your 13th month pay and Christmas bonus in a flash, you […]

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Am I Really ‘Behind’? The Reality of Financial Comparison and Finding Contentment

| Personal Finance

I stumbled upon a post on Reddit that stopped me in my tracks. Here was a 37-year-old, single Filipino professional with multiple income streams, investments, a condo, a car, and a solid emergency fund. By many standards, he was “set.” And yet, he still felt like he was falling behind his friends—some of whom owned

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Swipe Now, Pray Later: How Instant Spending Can Lead to Lasting Regret (and What the Bible Says)

| Personal Finance

Let me guess—you’re probably scrolling through IG or TikTok right now, maybe watching someone unbox the latest gadget, show off their new kicks, or flaunt their shopping haul. It’s all so easy to get caught up in the “I need this now” feeling when we see influencers or friends living it up. Next thing you

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‘Your Rewards Points Are Ready to Redeem!’—The Sneaky Credit Card Scam That Almost Got Me

| Personal Finance

Let’s talk about those sneaky “bank calls” that promise rewards but leave you with… nothing. I didn’t think I’d ever fall for a scam—especially not one from a “friendly” caller on my birthday! But that’s exactly what happened. Let me share how close I came to being scammed, and the red flags I missed at

‘Your Rewards Points Are Ready to Redeem!’—The Sneaky Credit Card Scam That Almost Got Me Read More »

financial struggles of a stay at home mom and wife

I Feel Like A Financial Burden to My Husband: A Filipino Wife’s Struggle and How to Overcome It Together

| Couples Finance

Have you ever looked at your husband and felt a deep sense of guilt? Maybe he’s carrying all the financial weight, while you feel like you’re just adding to the load. It’s an emotional struggle many Filipino wives silently face, especially in a culture that places high expectations on both partners. You’re not alone. The

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Simplify Your Financial Life with Dobin: One App for All Your Accounts

| Personal Finance

Managing your finances shouldn’t feel like a full-time job. But when you’ve got multiple bank accounts, credit cards, and investment portfolios scattered across different platforms, keeping track of everything can quickly become overwhelming. Logging in to different accounts, remembering multiple passwords, and manually organizing your spending can feel like a tedious chore. Wouldn’t it be

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Rainy Days Don’t Wait: Why Every Filipino Needs an Emergency Fund Now

| Personal Finance

Typhoon Kristine came like an unexpected visitor, one who left a mess everywhere and forced us to think, What if I had been prepared? For many of us, facing flooded homes, damaged belongings, and uncertain days was a wake-up call about how quickly things can change. And it wasn’t just about surviving the storm—it was

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iPhone 16 or Ipon Goals: What’s Really Worth Your ₱70,000?

| Personal Finance

Today’s the big day—the iPhone 16 has officially hit stores in the Philippines! With its sleek design and impressive features, the iPhone 16 Pro starts at ₱69,990, and the iPhone 16 Pro Max starts at ₱84,990. The excitement is everywhere—social media is buzzing, and people are lining up in stores. But the big question on many

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Turning Lemons into Lessons: Financial Resilience and Life Insights from Henry Sy

| Personal Finance

Life’s tough, and Filipinos know this better than most. From juggling bills, dealing with unexpected expenses, and keeping food on the table, the struggle can feel endless. So, how do we turn these challenges into something good? How can we rise above? Let’s look at someone who did just that—Henry Sy Sr., the man behind

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