Phishing Email Attempt on my UnionBank Account

It's been a while since I posted something other than a net worth update. I try to write about my own personal experiences and not just share personal finance knowledge that isn't experienced firsthand by me. There are a lot of blogs and social media accounts already sharing the basics of personal finance. 🙂 Last …

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Mar. 2021 Update – Net Worth // Retirement Goal // Passive Income

As of March 31, our Net Worth totaled P4,595,948, flat compared to last February. Below is the breakdown of our accounts: The absolute increase was P22,282 MoM, but still a 0% change. I updated the value of our two cars based on depreciation costs from https://www.omnicalculator.com/finance/Car-depreciation. Based on the website, the cars depreciated by P80,000. …

Feb. 2021 Update – Net Worth // Retirement Goal // Passive Income

Another month, another update. 🙂 As of last February 28, our Net Worth totaled P4,629,044, up 4% from last January. The allocation of investments increased from 31% to 33% MoM, since I've been really intent on investing any extra cash. Below is the breakdown of our accounts: The main drivers for the increase in net …

Jan. 2021 Update – Net Worth // Retirement Goal // Passive Income

Here with another monthly update. I realized my last post was also an update, and I wasn't able to post anything else last month. I admit I'm running out of ideas for posts, plus I've been spending (wasting?) a lot of time watching NBA basketball. That plus TRYING to monitor my stocks while working from …

Dec. 2020 Update – Net Worth // Retirement Goal // Passive Income

December felt like another long month. Even though we spent most of the time at home and not out shopping or going to different Christmas parties, it felt busy and chaotic. Except for the emergency crown I needed for my tooth, I also think this is the least money we've spent during the holidays ever. …

Dec. 2020 – Stocks Update

It's the end of the year, but also the end of another month. This means another update on my stocks portfolio and goal to recover the P220,000 realized losses from TEL. This month, I was able to finally separate my stocks depending on the goal and time horizon. Because of this, I don't need to …

How Much Do We Really Need For Our Emergency Fund?

An emergency fund has taken a whole different meaning this 2020. In any other normal year, an emergency fund is money set aside for future unexpected or emergency expenses. Some common emergency expenses are car-related, medical/dental related (if no insurance), and the loss of a job. Most financial advisors suggest 3-6 months worth of expenses, …

Nov. 2020 Update – Net Worth // Retirement Goal // Passive Income

November was obviously special because of the 13th month bonus payout. But the PSEi also pushed higher during the month (Thank you Pfizer!), affecting our net worth significantly. There were also no extraordinary or emergency expenses during the month, so it felt like a perfect month to me PF wise. Our net worth increased by …

Nov. 2020 – Stocks Update

I was going to include this month's stocks update in the net worth update, but there were too many things, ideas, and changes in my stocks portfolio this month. Here is a list of highlights related to my stocks: Sold both dividend stocks, LTG and DMC. Replaced them with AREIT and SCC. Sold all my …

BPI Preferred Banking & Ayala Rewards Circle

I wrote about how I finally used the BPI Preferred hotline to help solve my credit card issue in the previous post. So let me share my experience so far as a BPI Preferred client in this blog (not sure if experience is the word). I started receiving emails back in 2017 that were sent …