Top 3 Financial Mistakes of Fresh Graduates

Posted on March 23, 2018 by Harold Gardon

To all graduates, congratulations!

Welcome to the awesome world of work!

I remember the moment I received my first paycheck.

The proud feeling of being able to earn and be a productive member of society.

But what I don’t remember is how I spent my first paycheck .

Or how I spent the succeding ones on my first years of work.

If you are a fresh graduate, I hope that through this article, you will not commit the financial lessons I or most of my batchmates learned the hard way.

I believe that this article is not only for Fresh Graduates but for everyone who is seeking Financial Freedom.

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Never Travel Without a Travel Fund

Posted on March 9, 2018 by Harold Gardon

It’s summertime!

It’s the time of the season where we go shopping for the best deals from travel agencies.

It’s the time when traveloka, trivago, and Airbnb are fully booked.

It’s when we look out for piso-seat sales and other airline sales.

But before you post #wanderlust, #travelgram, #travelgoals, #travelph, let’s take a step back and think of #travelfund.

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Are You Ready to Ride the TRAIN?

Posted on January 5, 2018 by Harold Gardon

President Duterte enacted the TRAIN bill into law last December 2017.

This means that the take-home pay of employees will increase.

This article will focus on how much your income will increase (as an employee) and some tips on how to use it wisely.

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3-Step Guide in Setting-Up your Christmas Fund

Posted on October 29, 2017 by Harold Gardon

Christmas is in the air.

A few more nights and it’s already Christmas!

It is a season of parties, gift giving, and 13^th month pay (plus Christmas bonus).

Many are very excited to receive gifts and cash from their ninongs and ninangs (godparents) but many are also thinking how will their budget fit for their ina-anaks (godchildren).

Hopefully, at the end of this season, we will not only let our money cover all the expenses but also be able to save and invest a portion of it.

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Budgeting the Easy Way (Money Jar System)!

Posted on October 15, 2017 by Harold Gardon

One of the keys in building wealth is having a solid foundation in budgeting.

Budgeting is your personal system on how you spend your money.

This article will discuss ways on how you can budget the easy way!

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Financial Fitness 3.0

Posted on September 17, 2017 by Harold Gardon

How’s your Financial Health?

Do you regularly do your Financial Workouts in order to be financially healthy?

Can your financial condition sustain you for the next 10-20 years like a marathoner or just 3-6 months like a fun runner?

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Accomplish this Financial Checklist before your 30’s

Posted on September 3, 2017 by Harold Gardon

Our 20’s is the time when we YOLO (You Only Live Once)!

We earn and spend! We enjoy life not thinking about tomorrow!

And why should we? We are in our prime! We can always double our work and we have all the time.

But this is not always the case. What you do in your 20’s will dictate how you will live the rest of your life.

Below are the 5 Financial Checklist that you should have accomplished before you reach your 30’s: Continue reading “Accomplish this Financial Checklist before your 30’s” →

3 Steps on How to Build your PLAY FUND!

Posted on August 30, 2017 by Harold Gardon

We, Millennials, see money not as an end in itself but as a tool to buy experience and enjoy life.

We prioritize traveling and experiencing the world. Fighting for causes we believe in! and making this world a better place by following our passions and dreams.

But most often we forget that there are essential things we forget to prepare for such as retirement planning, critical illness coverage, and medium-long term savings.

This article will not talk about savings and investment but how do we build and manage a Play Fund so we won’t blow up our budget and be drowning in debt.

Continue reading “3 Steps on How to Build your PLAY FUND!” →