3 Points on Spending Your Lump Sum

3 Points on Spending Your Lump Sum

First things first. What is lump sum? Lump sum is defined by Investopedia.com as a one-time payment for the value of an asset. It is usually taken in lieu of recurring payments distributed over a period of time. Some examples of lump sums are tax refunds, bonuses, and 13th month pays. So when you get to have a big lump […]

3 Tips on Spending your Christmas Bonus Wisely

3 Tips on Spending your Christmas Bonus Wisely

Christmas bonuses are one of the many privileges in this season that people often take for granted. Due to the holiday rush, many people tend to make unwise purchases that they often regret in the end. Here are few tips to help us spend our Christmas bonuses the right way. Practice Delayed Gratification According to financial coach Marvin Germo, delayed […]

3 Reasons Why Giving Should be a Lifestyle

3 Reasons Why Giving Should be a Lifestyle

Are you guilty of feeling discomfort when you hear the word “give?” Most people do. Though it is common knowledge that giving is an act of kindness, most people find it overwhelming. Here are 3 of the many reasons why giving should be a lifestyle: 1. God blesses you to bless others. “And God will generously provide all you need. […]

3 Things You Need to Know about Saving Money

3 Things You Need to Know about Saving Money

Why does it seem to be so hard to save money? Jayson Lo points out the number one reason. It is because of the lack of emotional attachment or connection. To what? To saving money itself. In order for someone to enthusiastically save, he or she should have that emotional connection with it. How then can you build such emotional […]

Thinking of Investing? Consider these 5 Points!

Thinking of Investing? Consider these 5 Points!

Investing is a good idea. It is truly inviting to think that your money will multiply after a certain period. But then, isn’t it a risky option? Here are 5 points to consider before capitalizing your money, as shared by financial expert Edric Mendoza. 1. Set your financial goals. What is the investment for? Determine its purpose. Do you want […]

Showers of Blessing Trailer | The 700 Club Asia

Showers of Blessing Trailer | The 700 Club Asia

Showers of Blessing – is this not what we want? What is the secret to be showered with blessings? How do we shift our eyes from the blessing to the One who blesses? No nightmares cannot be turned into a beautiful dream by our mighty God! Geordelle was already famous in their community at the age of 18. She was […]

Coping Financially After a Job Loss

Coping Financially After a Job Loss

I’ve often been asked, “What do you do when you lose your job? You certainly cannot stop the bills from coming on time.” Good question. And we also cannot ignore that the situation will bring extreme stress to the family. I’ve been there. I’ve experienced it. I had my doubts, fears, and troubles. I’ve thrown a fist at God and […]

Kurot Principle

Kurot Principle

Last time, I discussed the first principle in budgeting. Ito ay ang Piso ‘Yan Principle.  Now, let’s go to Principle No. 2: Kurot Principle. Ano ‘yung Kurot Principle? Ay, ang ganda nitong Kurot Principle na ito. To better understand this, I will tell you a story of a person na balak bumili ng cellphone worth P1,000. Nagkataong mayroon siyang P100,000 na savings. […]

Piso ‘Yan Principle

Piso ‘Yan Principle

Nakakita ka na ba ng taong nag-planong sirain ang buhay niya? Malamang, hindi pa. Pero bakit maraming taong sira ang buhay? Kasi, hindi sila nag-plano ng kanilang buhay.  Ang sabi nga nila, “People don’t plan to fail, they just failed to plan.”   Ito ang isa sa pinakamalaking problema ng mga Pilipino. Hindi tayo marunong mag-plano. Asar na asar tayo sa pagpa-plano. […]

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 months ago.) Do you still remember your marriage vows?  Heto – “for better, for worse,”  Ano’ng kasunod?  “For richer, for […]

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 pera, pero kailangan talaga. Lalo na kung kayo’y bagong kasal pa lamang. Maigi na habang bata pa, nagsasanay tayo na magkasamang […]

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 work. These lessons just came back, and I will need to go through it. I’ve gone through some just one […]

Less is More This New Year

Photo by nuchylee on freedigitalphotos.net

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, “And my God shall supply all your needs according to His riches in Christ Jesus.” HE is our Provider. Okay, […]

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 Parable of the Talents? It’s found in Matthew 25:14-30. Remember what the master said to the servant who had been […]

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 sa utang. Sa dulo ng kaniyang email, nabanggit niya ang pagpapakamatay. My heart immediately grieved for him. If Dubai was […]