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Investment for Beginners

One of the things I wish I had learned sooner is the art of investing. I call it art because it takes passion and discipline.


I started working back in 2009 but it was only in 2011 when I started saving up (thru AXA) for the future. Back then, I was still living quite comfortably with my parents. I was earning for myself. But that quickly changed when the crises came one after the other. Until we found ourselves almost drowning in debt. It came to a point when I was the only one earning (and since I was still working fulltime for GMC then, I was not really earning a lot) and had to provide for everything. We were such in a terrible financial mess and I had no idea how to get out of it. 
What carried us through is faith and solidarity. We never ceased praying, and we never ceased being a family. And we're blessed to be surrounded by generous people as well to whom we owe a lot. 
We're making significant progress. And soon enough, we'll also be able to enjoy financial freed…
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Goal-Setting for 2018

After waiting at the airport for almost seven hours, I was finally able to board the plane back to Manila and reported back to work yesterday. 
I still have that "new year, new me" vibe and I'm so eager to make this year my best year yet. So I signed up for goal-setting classes and took advantage of anything helpful online. 
One of the first articles I read this year was Sha Nacino's free guide on how to set goals for 2018. 
She gave three simple tips: Gratitude, Gold, Goals.
First is GRATITUDE. Think about all the blessings God has generously given you in 2017. Don't just think of them, but write them down. Doing so will remind you how blessed and loved you are. The more grateful you are, the more blessed you will become. I truly believe that an attitude of gratitude attracts more blessings. If you appreciate the little things that God is giving you, then He won't hesitate about giving you greater gifts. Di ba mas gaganahan ka magbigay sa taong marunong mag…

Delays Are Never Denials :)

So it's 2018! Happy New Year everyone!!! 🎆
I'm writing this while waiting for the flight back to Manila. As usual, Cebu Pacific apologizes for the delayed flight, which served as the inspiration for this post. 
DELAYS ARE NOT DENIALS. 
How many times have we heard/read this line? Well, for the nth time, I'm sharing this because as I wait here for the delayed flight, I can't help but remember the delays in my life, the moments of waiting, which either led me to beautiful encounters or meaningful experiences; delays which turned out to be blessings in disguise. 
Let's not go farther. 
I was able to spend the New Year with my family because of a delayed flight back in October. Our original flight was cancelled due to the incident that happened on the same night that I arrived here in Iloilo. Thank God there were no casualties. And thank God I wasn't on that flight. 
Our flight back to Manila was rerouted to Roxas, Capiz. And it was still delayed. That was actuall…

Financial Planning: Future-Proof Your Finances

Happy last Friday of 2017!!!

So how prepared are you for 2018??? :D

I recently met with a financial adviser who shared with me the basics of financial planning. 
I won't discuss everything in detail, because I'm not really in the position to do so, but I'll share what I can. :)
First, there's what we call FINANCIAL TRIANGLE: 

Then the three major risks in life namely:  1. Dying too soon 2. Living too long 3. Sickness/Disablement 
Now the big question is, how prepared are you for these risks? 
During the BDJ Launch Weekend, I got to listen to Cheska Sarausad and she shared the following worries that most adults have: 
1. Can I take care of my aging parents? 2. Can I send my children to college? 3. When I am unable to work, who will take care of my family's needs? 4. When will I afford to get a house for my family? 5. If I get critically ill, will I be able to pay the bills? 6. Will I be able to afford to travel outside the country? 7. Will I have budget to spare to…

Be Not Afraid ♥

On my way to work this morning, I couldn't help but worry about what could possibly happen. With all the recent events, the ever-depressing news, sometimes no matter how hard you try to resist, you'd still succumb to fear. 
Feeling helpless, I just turned to the Lord and prayed for protection and traveling mercies. Then I found myself standing beside a police officer (who stayed by my side during the whole trip). I just smiled when I realized it was God's way of comforting me and assuring me that He's there to guide and protect me. He is always at my side, whenever, wherever, all the days of my life. There's no need to fear. ♥

[UPDATED] Season of Giving ♥

It's the most wonderful time of the year.
It's the happiest season of all.

Most ímportantly, it's the season of giving.


And because I've been truly blessed this year, just like I have been for the past 31 years, I also would like to be a blessing to others even in my own little ways.

Sooooo, as a "comeback" post, I'm sharing some FREEBIES!!!

I'd like to keep the mechanics simple. I'll list down the items for grabs, and just let me know which one/s you'd like to have. The first to reserve gets the item. :)

Easy, right? :)

My only request is that you reserve the item which you will REALLY use. Para naman hindi masayang. :)

The reason why I'm doing this, aside from decluttering, is to make sure that things will be put to good use. Since I know there's a little chance for me to use these stuff, I realized there's no point in keeping them. Instead, it will be best to give them away so others could benefit.

Now let's go to the list.…

Remembering the Saints +

Today is the first of November, and today we celebrate the Feast of All Saints. 

During the mass, Msgr. Bong Lo shared two reasons why we honor and remember the saints:
1. To honor the saints is to honor God Himself who caused them to be saints. These men and women of faith were no extraordinary beings. They're just like us, graced by the Lord to live holy lives. 

2. To remember them is to remember that we are also called to be just like them, that we, too, are meant to be holy. And to be holy means to BLESSED:

Blessed are the poor in spirit: for theirs is the kingdom of heaven. (Verse 3)
Blessed are the meek: for they shall possess the land. (Verse 4)
Blessed are they who mourn: for they shall be comforted. (Verse 5)
Blessed are they that hunger and thirst after justice: for they shall have their fill. (Verse 6)
Blessed are the merciful: for they shall obtain mercy. (Verse 7)
Blessed are the clean of heart: for they shall see God. (Verse 8)
Blessed are the peacemakers: for they shall be ca…