Top 3 Money Resolutions for 2015

The New Year promises a fresh start for everyone. That is why a lot of Filipinos during this time formulate resolutions to help them establish goals, make some changes, and improve their lives.

The biggest challenge comes the month after, when old habits try to find its way back. Aside from having resolutions, they need to have enough willpower so they can stick to their game plan. The same principle applies in handling money.

In 2015, we want our followers to be smart in handling their money – on their way to financial freedom. If saving money is one of your resolutions, make sure you master these things first in order for you to do it successfully.

money resolutions
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3 Reasons Why You Should Attend the PESOS AND SENSE Seminar Series


“I want to invest but I don’t know how and where to.”
“I want to invest in the stock market because I’ve heard it’s easy to make money. But I’m scared I might lose all of my savings”
“I want my money to work for me. I want to get rich. But I’m not sure how to get started.”

Do all of these thoughts echo in your mind right now?

Well, you’re not alone.

We all want to have a better life and a much more stable financial standing. We all want to stop worrying where did all our money go and become financially sufficient instead. The thing is, how and where should we get started?

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Your Basic Guide to Pag-IBIG Fund

We all know what Pag-IBIG Fund is, most of us have it. But do we really know how it works?

Pag-IBIG is an acronym for Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya, at Gobyerno. It was set up by the government to assist the working class in buying a home. The fund covers all working Filipinos both here and abroad. The required contribution is at least P100 per month. If you like, you can contribute a bigger amount. OFWs can choose to pay a yearly lump sum.

pagibig [Read more…]

How to Save Money by Keeping Your Home Tidy

How to save
Can a clean home really help you save on money? It certainly can! If you look around your home, you’ll probably see cherished objects decking each room. While these mementos make you go “awww”, you’ll find that the more you add to this sentimental collection, the more clutter will build up. Streamlining your home’s décor and keeping it neat not only frees up space, it will also help you save money! Here’s how a neat home can help you save money:

Tidy and save [Read more…]

10 Money Tips for the Holidays


The holidays are just around the corner. As a mom, I’ve realized that Christmas can be both fun and stressful. It’s fun because it’s a time of gift giving and reunions, yet stressful because of the hectic schedule and budgeting. As a mom of three young kids, I had come to realize that this holiday requires some financial and practical planning. Here are a few tips from me and my other mom-friends:

10 tips
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Stepping Out, Stepping Up!

Credit debt

A lot of people are now suffering from growing and overdue debt because of their credit cards. I want to share that this problem can actually be overcome.

My wife and I have been battling with credit card debt for almost 8 years.

We accumulated our debt while we were still single. It continued to pile up when we got married. Since we were so excited with having money (electronic), aba, swipe dito at swipe doon!

It was only later on that I realized that we were so deep in debt!

Debt Blog

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Bargain Hunting for Stocks

BargainEverybody loves a bargain. Kaya nga may mga SALE sa mall.:) And even in investing, people are always looking for a “bargain”. From stocks, managed funds and properties; people of course look for the best deal. Ang mahirap lang nga, pag investments ang pinag-uusapan eh we don’t really know how good of a deal we are getting. Put another way: Pag mura ba ang presyo eh ok na?

Well, someone once said that “Price is what we pay and Value is what we get” – and that is quite true when it comes to investing. Hindi naman kasi porke mura eh maganda nang bilhin agad – at hindi rin porke’t mahal ay pangit na itong bilhin.

Per share


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Having a Plan B

Having a plan B

The past several years has seen the Philippine Stock Exchange reach historic highs. Fueled by both local and foreign money, the PSE index went from 4,000 to over 7,400. Nowadays though, with the FED clearly signaling an end to the Quantitative Easing program, more and more people are getting the sense that the shoe is now on the other foot. [Read more…]

PSE Index Just Went Below 7,000

Bilis ng pangyayari no?

Just a few weeks ago, people were talking about new highs as the PSE broke above 7,400. Now?
Biglang ninenerbiyos na mga tao kasi the index just went below 7,000.

From 7,500 or higher, biglang 6,500 or lower naman usapan ngayon. Kakahilo di ba? Lol.
Well, this is where your investment strategy will truly be tested.
First of all, do NOT dwell on what you COULD have or SHOULD have done. Tapos na yun. Focus instead on what you WILL be doing in the coming days. Kung tamaan ang cut-loss point mo — SELL.

At this point, HOPE is a cigarette, not a strategy.

Kung tamaan naman ang target buying price mo — BUY. If you TRULY believe in your analysis / mentor then put it into motion. Mahirap kasi pag sasabihin nating “I will buy at 7,000.” tapos pag nasa 7,000 magiging “I will buy at 6,800″. Pagdating naman ng 6,800; biglang “I will buy at 6,500″. Pag hindi naman umabot ng 6,500 magiging “Sayang, hindi ako nakabili. Hindi kasi umabot sa target ko eh.”

As you can see from the DOW, an entire year’s worth of gains can very easily be wiped out in a few days and the PSE is NOT immune to that.

So as we brace for a very trying week in the market, be sure you have your entry and exit points clearly marked and that you have the DISCIPLINE to implement them.

Good luck everyone.


Aya Laraya, Investment Advocate

public seminarofw

Are you FED up?

Fed up
Yesterday’s release of the latest Federal Reserve minutes triggered a big rise in U.S. equity markets. In pretty much two sentences, the report sent the major U.S. indices ticketing upwards. This rise was after earlier concerns about the potential content of that report depressed markets.

Will all of this have an effect on our market today? Most likely it will. After yesterday’s 50 point drop and the close to 250 point drop since the index reached 7,400 a few weeks ago there is a pretty decent chance we will see a gain today.

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