It’s a new year, and with it comes the familiar promise of fresh starts. But let’s be honest: as the weeks roll by, many of us find our resolutions slipping through our fingers, especially when it comes to our finances. If you’ve spent years grappling with financial mistakes—whether it’s overspending, neglecting to save, or making … Read more
AS we approach the end of another year, many of us are left reflecting on the goals we set and the progress we’ve made. The reality, however, is that life rarely unfolds according to our plans, especially when it comes to personal finance. Perhaps you started the year with ambitious goals — to save more, … Read more
CHRISTMAS is often described as “the most wonderful time of the year.” But for adults, it can sometimes feel more overwhelming than magical. While children gleefully count down the days, thrilled by the prospect of gifts and holiday fun, adults often wrestle with financial concerns, packed schedules and the weight of high expectations. The magic … Read more
Psst… hindi ka nag-iisa. Kung pakiramdam mo na parang hindi mo alam kung paano pagkakasyahin ang budget ngayong holidays habang iniisip pa rin kung paano makapag-invest para sa future, maraming nakaka-relate sa’yo. Hindi madali ang pagsabayin ang mga bagay na nagpapasaya sa pamilya ngayon at ang mga hakbang para sa kanilang kinabukasan. Alam namin, Christmas … Read more
RETIREMENT — once seen as a sunset, a slow fade into the twilight years of life — is being reimagined by modern Filipinos. Today, retirement is not just about resting after decades of hard work; it’s about embracing a new dawn full of opportunities to reinvent oneself, pursue passions and live life with renewed purpose. … Read more
SUMMER is the perfect time to take a break from the daily grind and embark on an adventure. Whether you’re dreaming of sandy beaches, bustling cities or quiet mountain retreats, the anticipation of a vacation is thrilling. However, the excitement can quickly turn to stress when you start thinking about the costs involved. With so … Read more
AS we enter Fire Prevention Month, a period marked by heightened awareness of fire safety and preparedness, it’s crucial to protect our physical environment from wildfires and safeguard our financial well-being from potential economic fires. Just as this season’s hot and dry conditions increase the risk of fires, economic factors can also create explosive situations … Read more
AS the roses wilt and the Valentine’s Day chocolates are reduced to mere wrappers, February marks a transition from the euphoria of romantic gestures to the steadiness of everyday life. While the love and affection shared during this time are cherished, it’s also an opportune moment to redirect our attention to a different kind of … Read more
AS we welcome the dawn of a new year with the dazzling display of fireworks and joyous celebrations, it is essential to recognize the opportunities and challenges that lie ahead in the realm of personal finance. Much like orchestrating spectacular fireworks shows requires careful planning and precision, managing one’s finances demands strategic foresight and adaptability. … Read more
A SEASONED seafarer dwelled in a beautiful coastal province. I met him 10 years ago and attended one of my financial planning seminars when I was starting as a financial planner. With salt-kissed dreams of financial prosperity, he often gazed out at the boundless sea, envisioning a future of abundance. However, there was an ever-present … Read more