Post-Holiday Hangover: Recovering Financially and Reshaping Your Spending Habits in 2024

Continue reading Post-Holiday Hangover: Recovering Financially and Reshaping Your Spending Habits in 2024

When Money Isn’t Enough

Coming from a job interview one gloomy, humid Saturday back in 2002, I came across a middle-aged lady shaking as if she had fever on the corner of EDSA and P. Tuazon Street in Cubao in Quezon City. Her face grimacing in pain and anxiety. She told me her name is Nida and she travelled all the way from Bicol to look for her sister. But she ran out of cash looking for her sister’s home address in Quezon City.

I asked her if she’s eaten already but she said her mouth and stomach just couldn’t take in food. In fact, she already had her plastic bag full of food and some cash given to her by passersby. She was in real, burning, freaking pain. And no one dared to listen to her.

Realizing we both didn’t have enough money in our pockets, I decided to look for help from the nearest police outpost. I told the two police officers about the situation of Nida who was just outside their station for since early morning. Continue reading When Money Isn’t Enough

(LT) Personal Capital – Mobile Money Management Buddy

This is a Sponsored post written by me on behalf of Personal Capital for SocialSpark. All opinions are 100% mine.

The single most important part of your financial life is knowing what you have and where it is. It seems like life has gone mobile, and your finances should be no different. Keeping tabs with all aspects of your finances is extremely important, and with Personal Capital’s mobile apps, personal finances are literally at your fingertips.

The Personal Capital Application, available on iPhone, iPad and Android, allows you to access all your financial accounts in one aggregated view. User’s asset growth is presented in a beautiful, concise, and clear format. Accounts from disparate investment formats (such as mutual funds, stocks, money market accounts, checking/savings) are integrated with ease. Private investment advisors are available to provide additional account management services for a low 1% fee, but the app itself is 100% free.

Although I’m not using any Apple gadget, I’m glad that Personal Capital app is now available for free to Android users like me. It has quick and easy access to information on how much money you have or you don’t have at particular time. It also monitors spending using credit cards.

Definitely, Personal Capital will make it easy for me to watch over my finances from my salary to savings accounts to credit cards to my mutual fund and stock investments. Looking at how it works, I will even get to analyze and compare which investment fund can save me money by identifying the lowest mutual fund fees and charges. It is indeed a powerful and insightful tool for managing finances. Continue reading (LT) Personal Capital – Mobile Money Management Buddy