How to Make Personal Loans Work For You
Personal Finance

How To Make Personal Loans Work For You

RedditPin2Share8TweetShareClipVibeWhatsAppTelegramPrintEmail10 SharesDespite our best efforts, there may come a time in our lives when we need to have access to a personal loan. One of those times is now when many are carrying the burden of continuing to support our families while at the same time dealing with a slowing economy, growing financial hardships, and even emotional trauma. Even if you started the year with a fully-funded emergency fund, you may be slowly dipping into it to pay for unexpected expenses related to the pandemic. Others may have started the year with a fully-funded emergency fund but is slow, or

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The Ultimate Guide to Philippine Feeder Funds
Cross Border Investment

The Ultimate Guide to Philippine Feeder Funds

RedditPinShare69TweetShareClipVibeWhatsAppTelegramPrintEmail69 Shares** Updated on 27 April 2021 to reflect updated fees for ATRAM Filipinos are increasingly becoming interested in investing overseas. With the democratization of information, including information only formerly available to the rich and the moneyed, we are now becoming more aware of our financial and investing options, including options outside our borders.   My post on How to Open a TD Ameritrade Account as a Non-Resident Alien was read by tens of thousands of people, many of whom opened their TD Ameritrade accounts. So, I pat myself on the back for helping the common folk. Not only Filipinos

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credit history reporting in the Philippines
Back to Basics

Credit History Reports – What We Know So Far

RedditPin2Share35TweetShareClipVibeWhatsAppTelegramPrintEmail37 SharesOne of the most aggravating things a person can experience is when their credit card or loan application gets declined. Especially in the Philippines where transparency is not the norm and we don’t have a systematic credit history reporting, many people are left guessing in the cold, wondering why the bank doesn’t want their business.    Did the bank think you can’t pay their dues? Why, you have a high income and can comfortably pay off your balance each month.    Maybe the bank uncovered your unpaid credit card bills? But that was from years and years ago when

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Understanding FMETF
Investing

Understanding FMETF

RedditPin1Share64TweetShareClipVibeWhatsAppTelegramPrintEmail65 SharesIn my post The Ultimate Guide to Philippine Index Funds, I concluded that among the available index funds in the Philippines, the best option when all things considered is the First Metro Exchange Traded Funded or FMETF. Based on your enthusiastic responses, beautiful readers, you need more information in order to understand FMETF in detail. I heard you. In this post, I will answer your questions (and even the questions you didn’t think to ask) about FMETF.   Before we proceed, I would like to clarify that this post is not sponsored by First Metro Asset Management Inc. to

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How to Find Scholarship Programs
Education

How to Find Scholarship Programs

RedditPinShare23TweetShareClipVibeWhatsAppTelegramPrintEmail23 SharesI have always been a believer of the saying “If there’s a will, there’s a way.” This was my mantra more than a decade ago when I was trying look for ways to finance my college education. As I’ve shared in this blog before, education was my way out of poverty. Despite the fact that I’m not exceptionally intelligent nor especially talented, I was able to find a way to finish my undergraduate years in one of the Philippines’ top university as a full scholar. Because of this opportunity, I was able to slowly but surely build myself up,

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Financial Lessons fro COVID-19
Personal Finance

Crucial Financial Lessons from COVID-19

RedditPin1Share20TweetShareClipVibeWhatsAppTelegramPrintEmail21 SharesIt’s been a few months since COVID-19 started ravaging the world and unfortunately, the end is not yet in sight. We don’t know when everything will go back to normal. We’re not sure IF things will go back to normal.    Financially speaking, a lot of people are struggling due to loss of income and I think it’s just going to be worse from here on out. Many of us are getting by because we’re prepared for emergencies; more are not as fortunate.   During the past few months I’ve been observing, talking to real people, and participating in

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Women, Relationships, and Money
Women and Money

Women, Relationships, and Money

RedditPin3Share46TweetShareClipVibeWhatsAppTelegramPrintEmail49 SharesI was so glad when I found out that my reading audience is divided almost evenly between men and women. I find this encouraging because to me, this signals that more Filipinas are increasingly taking control of their financial futures. I also want to mention that the most engaging and informative finance blogs in the Philippines are written by women, some of which are included in my list of the best financial blogs in the Philippines for 2020, posted here. Still, the fact remains that the most popular personal finance advice both online and offline overlook the specific needs

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Things that will financially tide me over the epidemic
Personal Updates

5 Things That Will Financially Tide Me Over The Epidemic

RedditPinShare20TweetShareClipVibeWhatsAppTelegramPrintEmail20 SharesNow that the entire world is being ravaged by the novel coronavirus, I feel paralyzed.  Although we felt the effects of the COVID-19 epidemic here in South Korea ahead of the rest of the world (with the exception of China), I wasn’t as scared then as I am now. Now that the epidemic have reached almost all parts of the world including the Philippines, I’m like a deer caught in the headlights. I don’t know what to do, I can’t focus on tasks, I’m scared for humanity. I’m scared for my loved ones back home. I’m scared for my

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Net Worth Update - March 2020
Net Worth Report

March 2020 Net Worth Update – In the midst of the coronavirus epidemic

RedditPinShare14TweetShareClipVibeWhatsAppTelegramPrintEmail14 SharesAs you may have noticed, the world has gone absolutely insane in the past three months. Since the start of the year, the stock markets I’ve been investing in were on a downward spiral due to the COVID-19 epidemic. Millions of people are in lockdown and still no cure or vaccine in sight. I read how the Spanish flu killed millions in 1918-1920 and I hope I’m wrong but what’s going on right now has the same energy. So what I’m saying is, worrying about the decreasing value of my retirement portfolio seems asinine at this moment, especially given

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Pag-IBIG mp2 vs SSS Funds - Which is better?
Investing

Pag-IBIG MP2 versus SSS funds – Which is better?

RedditPinShare74TweetShareClipVibeWhatsAppTelegramPrintEmail74 SharesI received so many messages from people who want to put money away for retirement but are hesitant to invest in the stock market for different reasons. Many simply don’t know how, while others are scared of the stock market’s volatility. Luckily for us Filipinos, the government is implementing programs to help those who want to prepare for retirement. So far, we have the Personal Equity and Retirement Account or PERA, the SSS Flexi Fund for overseas Filipino workers, SSS PESO Fund for all SSS members, and Pag-IBIG MP2. In this article, I will compare two of these government-backed

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Katie Scarlett

Katie Scarlett

is a personal finance advocate working towards achieving financial independence and early retirement (FIRE).

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