Sept. 2020 – Stocks Update

In my last post about stocks, I mentioned a plan to segregate my stocks into 4 categories: Actively Traded Stocks, Dividend Stocks, Target Price/SAM Stocks, and Long Term Stocks. It's been almost a month since I shared that strategy, and I was encouraged by Peanuts and Nat to continue writing about my road to recover …

Deep, Hard, and Scattered Thoughts on Retirement

Our retirement goal or FI (Financially Independent) number as a couple was set at P21M, as mentioned in previous posts. This assumes that the whole amount is invested in funds that yield at least 4% annually, or P70,000 monthly. This was also based on a rough estimate of our expected monthly expenses. However, I never …

A Personal Finance Interview With Myself

For this blog, I will be answering some random personal finance questions in order for my 10 loyal readers to know me more. My previous posts have been mostly numbers and figures related to my goal to financial independence. But I felt like sharing more personal stuff about me - or putting the personal in …

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

September marks the start of Christmas here in the Philippines. So before anything else, allow me to greet you a Merry Christmas! September will also be the sixth month in lockdown, so I think more and more people are getting used to the new normal. August was an eventful month for me and my family. …

My New Stock Investing Plan After Selling TEL At A Loss

It’s been almost 7 years since I started investing in stocks. 7 long bloody years. I shared most of my mistakes in stocks in this post, with the biggest one being how I panic bought more TEL (PLDT) stocks to average down. I didn’t take note of the exact amount of the realized loss, but …

10 Personal Finance Podcasts I Listen To On Spotify

The term podcast was derived from the combination of iPod and broadcast. It is basically a digital audio file that people can download and listen to whenever they want to. Although podcasts have been since around 2005, I only started listening to them last year (sorry I’m barely a millennial). Personally, I prefer reading blogs …

BPI Save Up: Savings Account with Free Life Insurance

A few weeks ago, my wife was looking for an additional life insurance plan. I personally didn't see the need and was against it. She agreed to meet two life insurance agents via Zoom, but told me she wouldn’t commit to any before we carefully analyzed it. I discouraged her to get additional life coverage …

The 5 Money Personalities: Speaking the Same Love and Money Language

The “5 Love Languages: How to Express Heartfelt Commitment to Your Mate" is a popular book that helps couples identify their love languages (how they express and experience love) to better understand one another. If you're not familiar with the 5 love languages, they are Words of Affirmation, Acts of Service, Receiving Gifts, Quality Time, …

July 2020 Update – Net Worth // Retirement Goal // Passive Income

This is the first of many monthly (hopefully) posts to track my net worth, retirement goal, and passive income. I want to separate the 3 figures to monitor my financial condition and performance. You can tell how strong a company is as of a specific period by looking at its balance sheet. A negative net …

How we saved P5,000 from Joining a Bartering Club

After the lockdown started in March, there was a huge wave of people selling food online. Many people I know started baking and cooking random meals to sell online. Most did it to make ends meet because they were laid off or lost income opportunities. Some were actual chefs that just pivoted to an online …