Christmas budgeting Archives

The Silent Wealth Killer

October 15, 2023 by Chris Cervantes, CIS, RFP

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

Do Christmas songs affect consumer spending?

September 19, 2020 by Chris Cervantes, CIS, RFP

Jose Mari Chan meme is becoming a usual trend over the social media every September. It’s an indication that Filipinos are quite excited for a long Christmas celebration that will happen. Then the moment malls open on the first day of September, the long-playing Christmas songs will start to be heard until January of next … Read more