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Three years ago today, I shared the YouTube video above in my Facebook account. It was a time I was getting better at saving but unfortunately a family emergency happened which depleted my savings. Saklap d b? Ipon ka ng ipon wala rin naman nangyari. Nag-try ako mag-time deposit dati pero maliit n amt halos wala ring kinita, nakatali lang pera sa bank. So shempre when the emergency came it eventually got zeroed out because I didn’t know any better.

During my 20s, I did not know how to gamble (nor did I want to, and I still don’t!), I did a few business risks and I certainly hated MLMs/networking because of how bad they are, duping people into their pyramid-like scheme just to earn thousands or supposed millions. No offense but back then, these networkers fool a lot of people into attending the recruitment seminar, then “convincing” them to spend more money instead of saving it to make more money. It still happens nowadays (remember online paluwagan?) so you can’t blame me for hating on bad networkers.

Anyway, in the video, Chinkee Tan says: “If you don’t save for your future, chances are you will not pay now, you will pay later.

…If you keep spending money you will be in debt.” And that’s true. Having no savings will always keep you in debt. Also, pag lagi mong iniisip na wala kang pera tingin mo magkakapera ka? So what do we do about this problem then? Chinkee advises we have to change our money mindset, reverse it by changing the way we think. And we change it by deciding to change our bad habits.

He adds, “You can save if you choose to save.” In short, gaya nga ng sabi nila: Pag gusto may paraan, pag ayaw maraming pwedeng dahilan.

Of course I am not perfect too. I also need to break and change a lot of bad habits. Habits formed while growing up no longer serve me now that I’m a grown up and it seems like it’s making my life harder than it should.

It takes a lot of effort to be a better person when you know that you have a lot of detrimental habits you need to get rid of. Some habits are not even ours to begin with. We all have habits we got from our mom/dad, siblings, cousins, friends etc. It’s up to us to consciously keep doing the good ones and replace the bad ones with the good ones once we realize it’s not helping improve our lives at all.

If we don’t make money we won’t be able to save. In the first place, why do we work? To make money. When we make money where does it go? Do we spend everything? What do we do with our money? “Where did my money go???”

How do we make money without a job? We either still find someone to hire us or we create our own jobs. If we make our own money or if we have a job will we be able to save? Yes we should be able to. But what usually happens if we earn a lot of money and we don’t know how to save? We’d still always be in debt, we’d still be working until we’re old and can’t work anymore. Worst case scenario: we’d still be working until we die if we’re without any savings in our old age and then our surviving family members will need to pay for our hospital bills and burial costs.

Imagine how much the above bills  would be 30, 40, 50+ years from now? P500,000 to P1 million or more? Where will they get that kind of money? Or how will they survive if they are just like you who does not save any money? Would anybody want that scenario in their future?

Heck, now do you see the value of having insurance as a way to save, invest and earn yet? Why not let your money work for you too?

If you have the right and tailor-fit insurance plan, your family will be assured money to spend even if you or any family member with insurance dies. Your deaths will never be a burden to the people you leave behind. If you get disabled and can’t work at all in the future, you will also not be a burden to your family if you have chosen the right insurance. If you get really sick (like have cancer) it will not be too hard for you financially as well. No one knows when we will die or get into an accident right?

While alive, if you have an insurance plan, with mostly investments like stocks, mutual fund, real estate etc, it will let you save AND earn money securely by just putting enough money into the specified plan you signed up for either monthly, quarterly, semi-annually, yearly or in one lump sum amount. With this, you will definitely be able to save for your future expenses like when you retire and not worry about working after retirement. Even before retirement you can earn enough money to maybe buy a car or a condo depending on the money you invest and save over the years.

Am I painting a pretty picture now? Do you want to know how to start saving and investing? Well you can always Google it, but we all know self-studying takes a lot of time and discipline, some of which we don’t always have. What else can you do then? Contact an expert or someone with the knowledge and means to help you be financially secure in the future. Look for an accredited financial advisor like me. I am now working with Manulife, an established and stable insurance company that’s been around for more than 100 years. I’ve certainly learned a lot from the trainings and have taken the licensing exams and am still continuously learning everyday.

As a financial advisor, it is our job to assess your finances and help you save, manage and grow your money. You won’t need to do it all on your own because we also have fund managers who will assist you. So if you’re curious and want to finally have a financially better and secure future for yourself and your family then simply contact me today. Let’s meet and talk about it.

0932 1800 937 / 0917 768 8444
Lucia C. of Manulife
A Financial Advisor

Today, let’s stop self sabotage. Let’s change for the better and learn how to save/invest money in order to survive and have a happy life in our old age. What’s keeping us from having a financially secure future? It’s no one but ourselves. We think we can just save and use money forever but inflation and unexpected emergencies will always catch up to us.

Now is the perfect time to start saving and investing for our future. I can finally help people who also want to change their finances and save for themselves and their loved ones.

Let me know where and when you want to meet and talk about it. I’ll be happy to help you out. We can meet within Metro Manila, preferably Quezon City or Ortigas. If your group or family is outside of Metro Manila, we can arrange several meetings in your area on certain days. A one on one with you and/or your family members or relatives would be the best way to start securing your future finances.

Send me a text or call me today: 0932 1800 937 (Sun, Viber)
Globe: 0917 768 8444

Lucia C. of Manulife
A Financial Advisor

If you know or feel you need financial advise, let’s talk about it. I’m just a phone call (or text message) away. 🙂


When you’re sick, you have to give yourself time to rest. You don’t get sick because you’re perfectly fine and healthy and at your best to do all the office work that needs to be done. There will always be sick days. But if your sick days are spent at the office and spreading the virus/sickness around well there’s something wrong with this picture.

I’ve been in the BPO industry for 6 years and worked at different companies but it’s always the same. Anyone from the management, particularly your immediate supervisor, will always ask you to come to work, or take a half day, even if you are genuinely sick.They will compare you to other people or themselves who are sick with fever, flu, diarrhea etc., but are still at work (because they took medication) and make you feel guilty for resting when you need it.

As a seasoned agent, on many occasions during the above period, when I got sick with – flu, fever, coughs and colds, hoarseness, you name it – I still went to work. Not because I’m a workaholic or didn’t give a crap about my and anyone else’s health but because you as an agent are expected to be there even if you’re sick. Of course it is always your choice to come in sick though. You can choose to stay at home and rest all day (or several days) then get a medical certificate once you’re back but see, generally, you’ll still look like a liar and a slacker to the management and other colleagues when you do that.

Such is the life of a call center agent. And people wonder why an outbreak of flu or cough and colds etc., happens all the time in any call center, with more people calling in sick and thus increasing the absenteeism rate further. I can add some more examples but hey I won’t bother now. I’ll just say this instead: BPO life can be harsh to sick people.

Today though, none of that matters to me. I am at home and my next job doesn’t start in a week or two so I can sleep and lounge and be sick at home as much as I want. Thank God eh? Even though I want to work on my temporary tattoo ideas I will not force myself to do so. Rest is rest. Health is wealth. Goodbye to working even when I’m sick. Hahaha~ Itaga mo sa bato.

Image When you’re feeling low and numb, even though someone praises you for a job well done or sends you blessings for being really helpful, it doesn’t really sink in that much. If you’re used to being negative and hearing bad things all the time, hearing good things being said about you and praises seem like they are ridiculing you instead.

So what kind of day is it for you when you’re feeling low and numb and getting praises and commendations do not lift your spirits or make you feel happy at all? Of course you are appreciative of the fact that they send you blessings, best wishes and happiness but it just goes through from ear to ear. What does that make you?

It’s weird when you’re feeling empty but you made other people send you good vibes. I don’t think I’m making any sense to some people but if you know what i mean then maybe you’d think it weird too. I’m like, here i am, wallowing in misery but i get a commendation, i get praises, i hear words that are positive and full of light that hearing them seems to be surreal.

Perhaps i am being sent a message, something that only my heart comprehends, which my mind will never understand.

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‘Someone might simply be having difficulty concentrating, forgetting things and making silly mistakes when they are usually very efficient.’ – Smiling Depression article

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Maybe i should drown myself in a sea of smiley balls to feel better.

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I wonder where i can get this for free: Cognitive Behavioral Therapy – Haha, asa pa. Maybe i just need to spend more time with people i like to hang around with.

I really hate the evil witch. Affected much dahil sa kanya, or maybe I’m just projecting on her or her on me. Evil Witch. Pffft. She somehow tends to make me feel my life is miserable even though it’s not. I don’t even want to see her at all, I don’t even like seeing her. I’d rather not deal with her at all but what can i do, she’s there. Until she leaves and realizes what she needs to realize i dunno… maybe i should tell it to her face then have her sack me for it. How evil can she get huh? Poor little thing not realizing what she’s doing wrong. Ah what self control i have, it’s so debilitating I’m actually imploding. ImageGod help us all.

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( Emo post is emo. Now I’m feeling so fine! Image  ) Emo spells are blech~

Yeah, i work in a call center now. I started just last month since i got bored working in my previous job. I dunno maybe because i wanted to work where there are a lot of people so i decided hey why not try the call center industry. Uso naman so there i went… haha.

So far i find it fun and exciting although it is quite nerve-wracking too.

I’m at my 2nd week of taking calls while training. So far we’re all doing great. We were around 31 at the beginning and now we’re down to 23. Sucks huh. Anyway at least we’re still included. I just hope my quality will be better so i won’t fail when the QA listens to my calls. Gosh. hopefully i make it past the coming week. Hooooh~

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