It's Time To Change The Way You Invest!


May 19, 2019

Here’s my usual conversation with my officemates.

Me: Attend tayo financial planning seminar?

Friend: … Hindi ko naman kailangan nun eh

Me: Punta tayo VIP concert?

Friend: Sige magleleave ako agad agad!


Me: Kuha tayo ng insurance plan?

Friend: … Hindi ko naman kailangan nun eh


Me: Tara travel tayo

Friend: G! Saan? magleleave ako agad agad!


Me: Invest tayo sa stocks?

Friend: … Sugal daw yan eh at tska mahirap aralin yan.


Me: Bili tayo bagong phone?

Friend: G! Maganda daw features at camera nung PhoneXYZ!


Now I don’t understand why you keep telling me you can’t save.

My friend, your current situation today is a result of your decision yesterday.


Tanong ko lang,

Ilang % ng sweldo mo ang nasasave mo kada payday? Be honest.

  1. 10% or more
  2. Less than 10%
  3. Kulang pa sweldo KO

How much should I be saving?

Maybe you are mistakenly believing that saving more money is better, while saving less is bad. That may be true in general sense but they say “a money saved is a money earned”

Comparing yourself to others is a mistake that will end up in needless heartache and pressure so you would be wise not to do it.

Your 1st challenge is to do this in 3 months.

Twice ka smweldo in a month, do this 6 times in 3 months.

Pero wag ka titigil sa ika-3rd month mo.

Itutuloy mo siya hanggang sa ika-6th month.

Kung umabot ka ng 6 months, 12 times ka ng nagtatabi nun.


Alam mo ba, It takes 21 days or 21 times to form a habit.



  1. Track your expenses

Know where your money is going.

Ako, I personally use excel. Madami sa free template if you search google, madami din App that track your expenses.

I’ve learned din that tracking it via excel does not work for all people. So, instead of a complicated expense tracking system, they use the simple envelope method.

  1. Go back to your expenses and cut some spending.

Expect mo it will hurt. Eliminate it, find a lower cost or look for a cheaper alternative.

Bawasan ang mamahaling kape, iwasan ang luho.

For what it’s worth, go back and really think what your goal is why you are saving and the sacrifice you make today is your wealth tomorrow.


  1. Set up automatic transfer from your salary to your bank.

Ask your bank to debit a specific amount from your salary every month, and put it in a separate savings account. By doing this, never mo ng nahawakan ang pera at hindi ka na matetempt. Stay away from ATM type savings din.


Final Tips

Pay yourself first.

Remember that saving money is a lifelong habit.

The road is long and lonely.

Be patient.

I’ve been there, living from paycheck to paycheck for many years.

Slowly but surely you are on your way to financial freedom.

Cristina Orlina

The stock market is the greatest equalizer of wealth. 

That's why I'm so passionate about helping young Filipino professionals learn how to invest and take advantage of all the opportunities found in our own market.

I'm serving you a freshly squeezed, straightforward, sleaze-free approach to building your portfolio using proven strategies built to last. 

No superpowers needed!

So, what are you WAITING for!? Let's do this!

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