Are You Torn Between #YOLO and Saving for the Future?

Posted on April 27, 2018 by Harold Gardon

You are not alone!

I feel you. I am also a Millennial.

I see money not an end in itself but as means to enjoy life, travel the world, and pursue my dreams and passion.

This is the reason why most millennials have no savings and are drowning in debt.

We might be enjoying life now but we will suffer in the future when those debts pile up and we can’t afford to retire because we have bills to pay.

But it doesn’t need to be that way, we can live #YOLO at the same time save for the future.

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3 Financial Zen Principles You Must Apply in Your Life

Posted on January 19, 2018 by Harold Gardon

When you hear the word Zen? What comes into your mind?

Is it a relaxed garden with a koi pond where you can sit back while drinking tea?

Is it a black and white painting so simple yet so profound?

Or is it a monk meditating for days in pursuit of self-actualization?

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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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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.

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Breaking The Shackles of Debt!

Posted on July 2, 2017 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.

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