Be honest. When you hear the word “retirement,” what pops into your head? Maybe you think it’s for older people. Maybe you tell yourself, “I’ll think about that once I’m earning more.” Right now, you’re focused on the present — working hard, paying bills, helping your family, maybe even just trying to stay afloat. And […]
The Real Cost of Waiting: How to Retire Smarter with the Time Value of Money Read More »
You’re at the appliance store, finally ready to buy that washing machine you’ve been saving up for. The staff smiles and tells you: “Ma’am, same price po kahit installment — 0% interest for 12 months!” You pause. Should you pay the full price now, or go for the “easy” installment plan? At first, it feels
They say family is everything. But when you’re caught between raising your kids and supporting your aging parents, sometimes it feels like you’re everything to everyone—except yourself. Welcome to the world of the sandwich generation. If you’re feeling overwhelmed, tired, and financially stretched, you’re not alone. Many Filipino adults today, especially those in their 30s
Some breakdowns don’t happen all at once. They build up, quietly, until one day—you snap. That’s the haunting reality behind Straw, a powerful Netflix film that doesn’t just show a woman’s descent into crisis—it reveals the invisible weight many of us carry daily. The kind we don’t post about. The kind that says, “I’m okay,”
How Straw Unmasks the Financial Fragility We Don’t Talk About Read More »
Money is one of the most important things in life, and yet, we often treat it like a secret. I’ve been a personal finance advocate for years. I’ve talked to couples, parents, young professionals, even retirees about their finances. But one thing that never fails to surprise me? How deeply uncomfortable most people feel when
The Silence Around Money: Why It’s So Hard to Talk About Finances with Family Read More »
Imagine booking a staycation that looks perfect in photos. The pool, the modern interiors, the relaxing ambiance—it’s exactly what you need after a stressful week. You send the down payment, pack your bags, and drive to the location, only to find out… you’ve been scammed. Now imagine how frustrating it would be if the “resort”
Pokwang’s Fake Staycation Scam: Don’t Let This Happen to You! Read More »
“Tumaas nga ang sweldo, pero bakit parang wala pa ring ipon?” Sound familiar? Many Filipinos experience salary increases or receive more remittances from loved ones abroad, yet still struggle financially. More income should mean less stress, right? Not always! In fact, if we’re not careful, having extra money can lead to bigger spending, more debt,
More Money, More Problems? Smart Ways to Manage Your Extra Income Read More »
From Dream to Reality For years, I dreamed of becoming a Registered Financial Planner (RFP). It wasn’t just about adding the prestigious RFP® designation to my name—it was about deepening my knowledge, sharpening my expertise, and equipping myself with the right skills to help others take control of their finances. This journey wasn’t easy. It
My Journey to Becoming a Registered Financial Planner (RFP) Read More »
Christmas is officially over, and if you’re like me, you might still be recovering—not just from all the lechon and ham, but also from the whirlwind of spending that comes with the holiday season. As I sneak a spoonful of leftover mango float (because who can resist?), I thought it’d be a good time to
Christmas Spending Audit: Was It Worth It? Read More »
Choosing the right financial professional can feel confusing, especially when you’re unsure who does what. Do you need a financial planner, a financial advisor, or a financial coach? Each has a unique role, and knowing their differences will help you decide who’s the best fit for your needs. Let me share what I’ve learned from
Financial Planner, Advisor, Coach: Which One Do You Actually Need? Read More »
