Monthly Archives: December 2015

My Top 12 personal finance blogs of 2015

Here are my top 12 blogs that captivated my readers this 2015. Thank you for spending time and never hesitate to comment, share and subscribe to this site. I’m looking forward to educate, collaborate and share to you my knowledge.
It is essential for everyone to plan for their paycheck while they are still young. Building effective habits will help fresh graduates to enjoy, maximize and prevent regrets in a long run while you are managing your finances every payday. You will also learn important tips how to counteract peer pressure when handling your moolah.
Rightstrategy will help you win long-term but if you are not really good in prioritization, this will surely derail you to achieve your dreams. This helps you to achieve correct thinking and categorize what is urgent and important.
If you think financial products will solve your problem, you are definitely wrong. You want to be well informed so you can decide what’s best for you and that is the role of coaches and advisors but you will see two important characteristics of this 2 position that can help you gain confidence in a long run in your personal finance.
Financial issues while you’re 20’s
Millennials are growing in numbers but the behavior is totally predictable, on this blog you will see the most common problem of the generation today and how you can counteract on it.
This yearly event can give you a lot of scoops about economy, sales, strength finders and upcoming trends in the financial industry. I learned a lot from Jonathan at this event and I would like to help ordinary Filipino understand the basics about the economy.
This is an honest, authentic letter in Filipino language (Tagalog) on how a lender trusted his friend to return the money back ASAP but still hasn’t got his money. You’re  probably stress with the money that you haven’t collected yet from those people who borrowed from you  but rarely you have guts to tell these things because you are afraid that this will hurt your image as individual, you don’t need to worry, writing what you got in mind is highly recommended to lessen your stress.  
I am proud to say that I am a Christian and longing to see a better world someday. I also believe that the God who created everything wants to see that one too. But I can’t do it by myself. Mission trips are definitely a way to share the gospel and exercise giving for a bigger cause.
You will never win if you don’t understand how the game of money works.
Kids are growing up without proper guidance in money management. We can’t blame them because most of the parents are clueless about it too. How do you bridge the gap in this society today? In fact, the skills and basic concepts can be learned so easily if you will focus on these concepts.
Are you tired of going on the same direction with your finances or you keep on failing yourself how to reach your financial goals, read this and you’ll be well guided.
It’s really sad that many people are getting scam without identifying these clues. Many are gullible and easy to be persuaded since human are highly predictable. Check on this blog and you will be ahead of the game of money not by chance.
5 years ago and you still haven’t got savings account. 2 years ago you promised yourself that you won’t be on the same direction but till now, you haven’t move for such a long time. Time to learn and how self awareness can help you to move from your comfort zone to a better place.
Your finances will be in a bad situationif you don't stop chilling with the wrong people (17)

David Isaiah Angway is a RFP and a financial consultant for IT-BPO-Banking, HealthCare Industry and Manpower Agencies. He is a conference speaker and was featured in ANC On the money, Bloomberg TV Philippines. He is also columnist at BusinessMirror, Rappler, and MoneySense magazine. He is a licensed nurse and a former Senior Fraud Specialist of the largest bank in the world, JP Morgan Chase & Co.


He is the CEO and founder of WinLongTerm Financial Consultancy, helping young urban and educated millennial (Gen Y). It sets and achieves their long-term financial goals by empowering them through behavioral finance.


For more information and concerns subscribe to Facebook page or contact me at, here’s also my mobile number 0925-787-7796

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Filed under Behavioral Finance, Finance Advocate, Financial Advice, Personal Finance, Scam

7 reasons why you need community in transforming your finances this year

Registered Financial Planners
Photo Credits to Henry Ong
Are you having issues in managing your finances such as saving, investing and even getting out from poor spending habits? How about having a hard time making your last year’s resolutions become a reality, such as I will save more and spend less?  There are a lot of people who get scammedso easily because they kept on doing it themselves. I remember an African proverb that says “if you want to go fast, do it alone but if you want to go far, go with others.” We, as human beings tend to seek out friends who match our core values. If you want to transform your finances this coming year never forget the following reasons you need to be a part of the right community.
They expand your vision– Research shows that this group of people will help you to see things differently. When you are starting to manage your finances you would like to set your mind to success because that is primarily end goal. You should win without any shadow of doubt but if you will be with a person who doesn’t see success happening in their lives absolutely you will fail. If you want to see great results, you need to act differently and be with the people who are ahead of the game, success is different to everyone but to be with the same boat with the achiever’s who can see the future is essential. 
They can help you find your personal finance hero – You already made a decision to change the pace of your saving and investing, you also developed a goal how to tame your spendingand have an idea where you are now however you don’t know how to get there. The right community has plenty to offer such as mentoring and leadership. When you are ready to learn something new then look for someone who can walk the talk. As you develop your relationships with them you will get an effective strategies when it comes to investing that can give you advantage among others. 
They give you a sense of support – You are down and trouble making the right decisions. Are you going to buy or sell your stocks? It seems like the economic downturn is making you crazy than ever. In addition to it, you are giving into the peer pressure and you don’t know how to handle the negative vibes from your materialistic friends. This vital people will prevent you from going down but instill hope to do what is right and necessary. I remember that they helped me to prioritize my emergency funds and prevented burying myself in debt. A constant encouragement and consistent modeling help me grew my knowledge, skills and discipline that resulted to a bigger wealth.
They are your accountability partner – You keep on cheating yourself for many years now and you are wasting so much time.  Study shows that when you are tied up with big spenders, your expenses will go overboard but when you have an accountability partner it will give you a sense of responsibility and confidence. Your behavior changes because they remindyou why you need to do the things that you do. Start looking for a friend who can stab you in front and gave you brutally honest feedback.
They promote safe haven – Whenever you are in the right place, you get to feel a sense of security and authenticity. They pushed you to be excellent that can help you attaining your financial goals, dreams and aspirations. They educate and give you insights on how to manage your funds effectively without cutting corners; the right one protects you like a family while wrong group will just push you to their own misery. In a longer perspective wrong community will ask you to spend so much without a blink of an eye and when you are broke they will leave you behind. 
They will grow your understanding about yourself – Being consciously aware about your behavior and identity gives you an edge. Every person is a restless wanderer until such time they find their purpose. You get a chance to simply educate those people who are also hungryfor personal finance strategies. It is also an avenue to share what you have learned to the people who are also part of the family. Personal finance is about values in life and by knowing who you are that means you are having a higher consciousness to do what is right with your finances without being insecure.
It will make the journey way better – Investing and saving is like a marathon because you should do it for a lifetime. The harder the battle, the sweeter the victory when you have a community backing you up. Have you seen Manny Pacquiao’s boxing career, without the people walking with him, his coach and team, he won’t survive the training all along. With the combination of your determination, right support group and your skills, sooner or later your net worth will grow exponentially. 
Whether in business or in personal finance the cost of being not connected with the right people will give you more headaches and heartaches, while the benefits of staying in a group will give you a leverage to look at long-term instead of snapshot of life. In addition to it, you can get an access to hi-tech information and hi-touch experiences that they already have. Now, where do you belong?
David Isaiah Angway currently helps young, urban and educated millennial (Gen Y) set and achieve their long-term financial goals by educating them about investments, asset allocation, risk management, retirement planning, and estate planning. His role as a financial planner is to find ways to increase the client’s net worth and help the client accomplish all of his/her financial objectives.
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Filed under Behavioral Finance, Budget, Community, Resolutions