Saving Habit


Do you remember saving your allowance in your piggy bank? Imagine feeding that coin box Php 28/day in 365 days would surprise you with Php 10,000? What a feat!

Here are few ways on how you can save:

1. Separate accounts
– Automatic transfers per payroll would do best. Have an account that you’ll consider like a utility bill and let it grow by itself. You may open a Direct Deposit or a UITF for higher returns.

2. Practice the Classic
– A coin box or any piggy bank would do the trick. Don’t take those coins for granted.  Try saving all those Php 5 or Php 10 coins every each time you receive one and make sure you feed your piggy bank just like how you feed your pet everyday.

3. Variable Life Insurance
– A savings booster that will make you commit, make time work for you. A plan which will give you living and death benefits including hospital allowance allocation for those emergency confinement needs.

Fulfill your financial goals.  Keep yourself motivated!

Financial Road Map Analysis is FREE. You may drop me an email and I’d be glad to help.

COL Financial in Easy Steps (Open an Account)

It seemed overwhelming and daunting when the word “STOCKS” comes in play.  The old school would probably say, just look for a broker and/or just apply yourself by commuting your way to their office but COL Financial has done it differently.

Sure, you may still walk-in and open an account but they’ve made opening an account easier.  With the help of my friend from Truly Rich Club, Joey, she assisted and instructed me to do the following:

1.  Visit the COL Financial Website and click on the OPEN ACCOUNT link.

2. Read thoroughly on what ACCOUNT TYPE would you possible want to enroll.


3. Accomplish the Application form online and have it printed.  You may also just print the document and fill it up manually.

4.  If you live near COL Financial, you may personally hand the forms and deposit your investment at their office or you may also contact COL Financial to have your requirements picked up.

The requirements are the following:

a. Filled Form

b. Photocopy of two (2) Government issued Identification Cards

c.  Fund Check or Cash

All checks must be payable to COL FINANCIAL GROUP, INC. Please include your Name and COL Account No. at the back.


It was easy breezy. The messenger went to my place early in the morning. You’ll be able to receive a notification email from COL Financial upon receipt of form. As soon as the check has been deposited and cleared, you’ll receive your username and password instantaneously. 

Upon approval and process of my account. I hurriedly logged on my BDO online portal and enrolled COL Financial in order for me to add more funds to invest once I start trading.

How convenient, right? Go ahead and open an account today!




Unstable: Here’s How to Fight it.

It’s pretty normal in Asian countries that their children stay within their parents quarters as long as they want or could.  Being in a country where family ties are very much intact and instilled, this somewhat makes our life a little bit more comfortable.

Having to live abroad for a year filled with challenges, changes and uncomfortable situations, I can’t help but somehow miss the independence (as much as I abhorred it). When you’re nearly thirty and went back to live with your parents; you can’t help but compare your situation from others. I admit, I have been falling into the comparison trap.

Taking an inventory of your life and others are natural, I assume. However, often times I find myself unhappy, irritated and disappointed of what I’ve been accomplishing. Being a person who’s always looking into a much brighter and better days, it doesn’t seem to give a cut.  I couldn’t help but ask myself “Am I coming up short, all the time? – Is this how my life should be? – in terms of career, finance and possessions.”

When these thoughts pop up and end up upset with my well-being. Here’s an approach that may seemed helpful in picking yourself up away from dragging yourself down.

1. Re-visit your Grateful Bucket

Everyday, I post a recap on how my day went. A nutshell of thoughts to be grateful for.  You may also have this noted in a journal, Tweet it or probably have a mason jar wherein you’d fill it with grateful thoughts everyday.  Having to think of how you day went makes life worthwhile.

Re-visiting your everyday thoughts would serve as a quick reminder that you’ve been living a brighter and better day, everyday.

Instead of focusing on what you don’t have, you can appreciate all the great things that make your days fulfilling.

2. Compare yourself with no one but yourself.

Comparing yourself with others is a habit one should get rid.  Don’t sabotage your own happiness. If there’s someone you must compare, it’s nobody else but who you were in the past and who you are now.

Keep working on your goals and be not side struck by others accomplishments. Makes sense?

3. Commit to Change. The Good one.

I’ve realized that when I feel down, upset, disappointed or negative in general; I tend to lounge around and do nothing.  Inactivity would make you lose a day, waste precious time. Get out there, MOVE.

Take advantage of what you have and reach out. There are endless possibilities. Curate a plan, write down a strategy and implement it. Set timelines. There really is no other way but to ACT and BE THE CHANGE.

What’s your game plan?