Debt and Luxury May Not Mix
Dec17

Debt and Luxury May Not Mix

  By Francisco Colayco   Craving luxury is normal, especially in the consumer-oriented world that we have today. But before you even start thinking about luxury, you must get down to the basics on your financials first. First and foremost, you should prepare your Statement of Assets and Liabilities (SAL), Personal Income and Expense Statement (PIES), and Personal Financial Plan. In this manner, you know exactly where you are...

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Protect Your Money While Travelling
Jun16

Protect Your Money While Travelling

By Francisco J. Colayco     Vacation is for relaxing and not worrying. But the reality is that you need money to enjoy your vacation unless you are spending it at home. You are also so used to your set ways of daily living including what you keep in your wallet or purse. Chances are you carry the same purse with your ID, ATM and credit cards kept in the same place. If you don’t do it yet, keep your loose cash (both paper and...

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Love and Money
Feb13

Love and Money

By Francisco J Colayco   Money can create a lot of stress in relationships and it makes us behave in ways that we can’t understand.  As someone once said, “Money does not matter when love is concerned.” In response to this, someone else might have said: “Without money, love flies out of the window!” In truth, if you and your partner have all the ingredients of love, you will be very happy together.  But isn’t having money one of...

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