The First Lesson : Start Well this 2017

The First Lesson : Start Well this 2017

“Bagong taon ay magbagong buhay!”, do you remember this line? Every Filipino knows by heart this endearing song of our childhood.  Itinuro sa atin ito ni Nanay, na tuwing bagong taon, isang bagong buhay ang maaari nating makamit kung tayo ay magbabago AT magsisimula muli.  Ang nakaraang mga pagkakamali ay kapulutan natin ng mga aral para hindi na nga maulit […]

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 […]

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. It is also important that both husband and wife understand that it will never be “my money” or “your money” but “our money.” When you […]

Five Attitudes Keeping You from Paying Your Debt

Five Attitudes Keeping You from Paying Your Debt

I’m speaking from a platform of failure because I, too, have fallen prey to having a poor attitude towards debt. Minsan nga, pinagdadaanan ko ulit ang mga masasamang ugaling ito. Human nature siguro o minsan naman ay defense mechanism ko. It’s the wall I try to build around me para matakasan ang responsibilidad na harapin ang katotohanan at magsimulang magbayad […]