I've been looking at different ways to budget money to pay off obligations, save, invest, and still have fun. For a looong time, it was a struggle. It always seemed like, after paying everything, I had very little to none left for savings. That's really, really frustrating especially if you've been working your ass off. … Continue reading 4 Budgeting Equations That Can Help You Save While Enjoying Life
Originally published on December 21, 2018 Last update: October 26, 2019 In my previous post, I have covered the benefits of leveraging the government's PERA program (a tax-free voluntary retirement account) and how to open an account in BPI. If you have already opened an account, CONGRATULATIONS! I hope you treat yourself. You have just … Continue reading [Updated] How to add funds to your BPI PERA account
How on earth can a 100-year-old publication help you improve your finances in 2019? Read on to find out how George Clason's The Richest Man in Babylon can help personal finance starters.
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Life is one heck of an adventure. No matter how happy you are doing what you do now, there may come a point when life, or maybe your heart, calls you to do something else. Or maybe it’s something you’ve been interested in, but it would take a few more years for you to realize, … Continue reading On Shifting Careers and Following Her Heart to Web Design and Development: Tips from Jade Macrury
Some say, "Follow your passion." Others take it a step further: they find ways to make hobbies sustainable by adding value to others. This is one of my key takeaways from Jeya, the crafter behind the online store PressedNotCrushed. Her story came to mind when I read an article by Tara McMullin: "Your passion is an … Continue reading From hobby to side hustle: The story of metal stamping store PressedNotCrushed
Income - Expenses, I thought, that's the equation for savings. But of course, I did not raise my hand. I just waited for someone in class to say what I also had in mind. Sure enough, a classmate did. But our professor, Sir Vince Rapisura, said it was wrong. I also remember him asking how … Continue reading The savings equation and other personal finance tips from Sir Vince Rapisura’s book
Success really doesn't happen overnight. It's a series of steps, consistent effort, a willingness to keep practicing one's craft and keep getting better. The rewards of monetizing your gift goes WAY beyond the income. The joy lies mostly in nurturing your gift, sharing it, and seeing people are happy because of it. These are just … Continue reading Nurturing a Dream: Thoughts from children’s book author Joshene Bersales
It's always a gift to hear people who can inspire you to dream. But what's even more powerful is finding people who can inspire you to dream AND show you how to make them happen. To me, it's like the difference between fantasy and fact. Knowing that someone had done it gives you hope that … Continue reading “Fire on all cylinders” and other personal finance tips from the Truly Rich Club’s Online Wealth Summit
To read a previous post where I share basic details on the Philippine Equity & Retirement Account, click here. Early this year, I went to BPI's main office in Makati to try to open a Personal Equity and Retirement (PERA) account. A specific department handles the PERA accounts. Their staff patiently went through the details … Continue reading Opening a Personal Equity & Retirement Account (PERA) with BPI: Overview of the Process and Transaction Costs