These Little Wonders

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 f...

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 trave...