Money and Marriage :  Talking about money in marriage
Jun21

Money and Marriage : Talking about money in marriage

Money and Marriage : Talking about money in marriage By Francisco Colayco   The last thing we think about when we talk about love is money.  But really, the inability to manage money is one of the big reasons why love, particularly marriages, fall apart. That is why when you have decided to choose your partner for life, be very sure that money matters are something that you are both comfortable discussing before even making a...

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The Stages of Financial Independence
Jun14

The Stages of Financial Independence

By Francisco J Colayco I have often been asked – “How do you achieve financial independence, slowly, “step by step”/ “age by age”?  Is there a checklist of goals per age – like in your 20s, you should at least have saved up this much, and then maybe also have a car?  And in your 30s, you should have a place of your own, be putting your kids through school and then in your 40s thinking about retirement?” Financial...

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Women and Their Instinct to Provide
Apr26

Women and Their Instinct to Provide

By Francisco J Colayco   The motherly instinct of a woman is so pervasive.  It practically includes the protection not only of her own children but of everyone she perceives to need her support. This actually starts from childhood as the little girl plays with her doll and little animals that she nurtures.   As the child grows into the adult world, she begins to realize the need for money to get what she wants. Her parents...

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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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Defining Real Wealth
Jul16

Defining Real Wealth

By Francisco Colayco Jr One must understand, know and accept that real wealth does not necessarily mean having millions and millions of pesos.     I mostly talk about how you can increase your income by setting your financial goals, investing, going into business, and other similar activities.  Let me share a story that reinforces the title of this article.  It is really your attitude that will make the difference!  ...

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