Conjugal Spending (Part 1)

Conjugal Spending  (Part 1)

  In our seminars, we usually ask, “Sino sa inyo ang magastos ang asawa? Itaas ang kamay. Eh sino naman ang mas magastos?“ Ayan, kayo pala ang problema! Naalala n’yo ba noong kinasal kayo… few years ago? (Ang iba ay few […]

Financial Tips for Couples

Financial Tips for Couples

Couples should work hard to find ways to talk about money. It’s not the most romantic subject, but it is very important to settle our view, opinions, or rules in handling personal or conjugal money. Hindi po madaling pag-usapan ang […]

We Broke UP!

Found on funcheaporfree.com

I’ve discovered in my life that whatever I ran away from, I will eventually go back and face. There’s no escaping the hard lessons. Ignoring it doesn’t work, avoiding it doesn’t work, refusing to confront or deal with it doesn’t […]

The Credit Card Legend

The Credit Card Legend

Dito sa Utanggalin, hangad po namin na mag-share ng mahahalagang kaalaman para makatulong sa inyo na huwag umutang, makaiwas sa utang o makabayad na sa utang, lalung-lalo na sa consumer credit gaya ng credit card debt. Today let me share […]

Less is More This New Year

Less is More This New Year

God certainly has a plan to help you overcome your financial struggles. He loves to help you get out of debt. He has never thought you needed to be in debt in the first place. He says in Philippians 4:19, […]

The Joy of the Master

The Joy of the Master

I love reading the parables; they’re just my favorites. Simple and yet profound. I love stories, and I like how Jesus tells them. I think Jesus is the greatest storyteller, and I certainly know you agree. Do you remember the […]

Christmas Three’s

Christmas Three’s

Ayon kay Vic Garcia ng Unleash International, tuwing Pasko may tatlong klase ng tao: 1. Ang MAYAMAN – sa sobrang yaman, di na alam ang ireregalo dahil naibigay na lahat ng pwedeng iregalo noong nakaraang pasko 2. Ang KAPOS – di alam […]

Four Deadly Ds of Debt


Image from Free Digital Photos

“Jun,” an OFW, sent me a private message today to ask for help. Mukhang di na niya talaga kaya ang mga nangyayari sa buhay niya. Ilang taon na siyang OFW pero hanggang sa ngayon, lubog na lubog pa rin siya […]

Tips for SALE

Found on internationalvisual.wordpress.com

Karamihan sa ‘ting mga Pilipino tuwang-tuwa kapag nababasa ang salitang “SALE.” Para kasing may magnet ang salitang ito sa ating mga mata, ano po? And we would not stop thinking about it until we are actually two feet away from […]

Get Ready for Christmas Shopping

Found on thebudgetdiet.com

If you live in the Philippines my guess is you’ve already made your Christmas gift list.  Notwithstanding any Christmas cash you can get your hands on, you’re probably getting ready to brave the malls, fill the shopping carts and queue […]

Learn To Say “No!”

Learn To Say “No!”

Peer pressure is another area of concern when it comes to managing our finances and as financial consultants, we always tell people – Do not surrender your finances to peer pressure! What do we mean by this? Huwag n’yong i-surrender […]

Learn when and when not to help Family, Relatives and Friends (Part 2)

Learn when and when not to help Family, Relatives and Friends (Part 2)

In the previous articles, we talked about three ways on how to deal with family members, relatives and friends who are asking for our financial help. Now, let me give you a few more tips: Fourth, Kung kaibigan ang nanghihiram, […]

Learn When and When Not to Help Family, Relatives and Friends (Part 1)

Learn When and When Not to Help Family, Relatives and Friends (Part 1)

Dealing with family members, relatives and friends who ask for our financial help can can be tough and difficult. Thus, we should learn when and when not to help family, relatives and friends. Dapat alam natin kung kailan tutulong o […]

Spend at the Point of Your Strength

Spend at the Point of Your Strength

When we talk about managing or handling the financial resources of the family, marami ang nagtatanong kung sino ba ang dapat humahawak ng pera sa bahay – lalaki o babae?  (Babae!) Mali! (Lalaki!)  Mali! (Pareho!)  Mali! Ang dapat, kung sino […]

Privilege Spending

Privilege Spending

In my previous article, we talked about Conjugal Spending. This time naman, let’s talk about “Privilege Spending.” Ano yun? Let me tell you a story… One day, habang nasa bahay kami, may dumaan na nagtitinda ng taho. Gusto kong bumili ng […]