Tag: Debt

Top 3 Financial Mistakes of Fresh Graduates

Posted on 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.

Continue reading “Top 3 Financial Mistakes of Fresh Graduates” →

Never Travel Without a Travel Fund

Posted on 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.

Continue reading “Never Travel Without a Travel Fund” →

Is It Okay to Go Into Debt Because of Love?

Posted on by Harold Gardon

We are often martyrs when it comes to LOVE.

We do everything just to make those we most love happy.

We are willing to sacrifice ourselves for the sake of LOVE even to the point of sacrificing our future and drowning ourselves into debt.

Continue reading “Is It Okay to Go Into Debt Because of Love?” →

Are You Ready to Ride the TRAIN?

Posted on 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.

Continue reading “Are You Ready to Ride the TRAIN?” →

Financial Fitness 3.0

Posted on 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?

Continue reading “Financial Fitness 3.0” →

Accomplish this Financial Checklist before your 30’s

Posted on 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” →

Breaking The Shackles of Debt!

Posted on by Harold Gardon

Have you ever experienced working, working, and working for nothing?

Every time you receive your paycheck, almost nothing is left! You pay for your rent, utilities, phone bills, and your DEBTS and what is left is just your daily office allowance just enough to pay for the commute and cheap lunch.

Continue reading “Breaking The Shackles of Debt!” →

It’s Because you Survived!

Posted on by Harold Gardon

Yuppies (Young Professionals) who are single, no dependents, and have good company health benefits will always say that I don’t need insurance.

Middle-aged adults and those who near retirement and has a lot of money will also say that I don’t need insurance.

But insurance, particularly Disability and Critical Illness Insurance, is there not because you die, but because you SURVIVED!

Continue reading “It’s Because you Survived!” →