Category Archives: Behavioral

SHEconomics 101

I had an awesome event last January 08, wherein I spoke to a lot of women about personal finance.

I want to help you too in managing your finances by simply following this simple steps.

  1. Download the excel file by clicking any of the pictures.
  2. Monitor your finances every month to achieve your financial goals.
  3. Evaluate yourself every month.
  4. Ask these 3 questions
  • Things that I should keep on doing
  • Things that I need to stop
  • Things that I need to exert effort.


Thank you to all the ladies who went to our SHEconomics101, our goal is to make sure understand your risk profile, where you are right now and identify your goals. See you in our next event.


Thank you so much to Ma. Elizabette Estrada (CEO of Vicoor) for making this event possible. You are such a blessing to all the ladies out there. Looking forward to have another event soon.


David Isaiah Angway is a Registered Financial Planner, Chartered Wealth Advisor and a financial consultant for IT-BPO-Banking, HealthCare Industry and Manpower Agencies. He is a conference speaker and was featured multiple times in ABS-CBN News Channel show called On the money, Bloomberg TV Philippines First Up, Morning show of NET 25 called Pambansang Almusal, Eagle Broadcasting Company EagleNewsPh Facebook Live and different radio stations in Metro Manila. He also writes for BusinessMirror,, and MoneySense magazine.

He is the CEO and founder of WinLongTerm Financial Consultancy, that help organizations retain their top key employees such young urban and educated millennial (Gen Y) by teaching practical money management in the workplace. You can contact him thru his website and his Facebook Page @WinLongTerm for more informative ways how to grow your money and secure your family.

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Filed under Behavioral, Cash Is King



Have you ever wondered why money is so hard to manage? I used to think about that a lot when I was just starting out. Then, later on in life, we discover techniques as to how to save money. We learn how to budget, we learn about the impact of investments, and we learn different ways of how to win long term. If you don’t know these things yet, we have several articles in this same website that talk about that, too. In this article, we’re going to talk about the things you must have before investing.




1. Purpose

When we see people invest, we are sometimes just astonished by how well they handle their investments. We are also given this drive to invest because we see the growth of their money. I mean, really? 9.5% PA? Who doesn’t want that? But guess what… it isn’t that simple. These people, like it or not, have a purpose as to why they are investing. As a Bancassurance Sales Executive. I’ve encountered people who handle their investments well. You know what their common denominator is? Purpose. They know WHY they are investing. Some are saving up for retirement, some are just adding a bit of growth for next year’s tuition fee, and some are already placing their funds so that their children and grandchildren could benefit from their money without the tax eating it all up. Whatever your purpose is, you need to know what exactly that is. The people who usually fail in investments are those who do not know why they are investing in the first place. “Growth” isn’t just going to cut it.
Each purpose has a different timeline, ergo, a different investment body. You might invest in the right fund with the wrong purpose. Don’t ever, ever make that mistake. Pray about it. Your money is meant to be handled with good stewardship.

2. Budget Discipline

Read up. Know your basic budgeting system. How can you invest if you don’t know how to make a budget plan? A budget plan is really important. I think, of all the 3 things in this article, this is the one you probably know about already. You need to be disciplined in following this plan.
I failed many times in this area. You know what my problem was? I knew how to make a budget plan. It was easy! It only took simple math! What was hard was applying it. It took GREAT discipline. Before making a budget plan, pray for it first and pray for the discipline that comes with it. You cannot do it alone. More often that, you’re going to compromise a budget plan for a simple want. Discipline yourself. Stick to the PURPOSE of the budget plan. If you want to know how to make a budget plan, refer to the other articles in this website that talk about it.

3. Emergency Fund

Many people think that this is savings. That is a big NO. An Emergency Fund is a fund that you build so that if an emergency comes along that will require a lot of money, you wouldn’t have to sacrifice your savings and investments. An emergency can put all your hard work down the drain. Years of saving and investing will get to waste if you do not have an emergency fund. This is the wall you build to protect your savings and investments from life’s uncertainties. If you do not have this, you are exposing your investments to more risks than it already has. An ideal emergency fund is 3-6 times the amount of your monthly salary. It’s going to take some time but you won’t regret it.
Remember, these things change with the times. Finance keeps up and changes every time. Make sure that you do, too. Because if you don’t study up and read every now and then, finances could be really tricky for you. Instead of money being a blessing, in might end up being a burden without correct stewardship.
To sum it all up, just make sure why you’re investing. Once you know why you need to invest, use that as a driving force to discipline yourself to create a budget that is required for you to be able to reach your financial goals. Once you are already consistent with the budget plan that you have, build your emergency fund. After you have all of these things, then it’s time for you to know more and to get yourself in the market because you are financially ready.
I pray to God that He will give you the discernment as to what your financial path is going to be. In the end, don’t let these 3 things hinder you if God is instructing you to do something else with your finances. After all, everything that we have, including our finances, are His. He has the final authority in everything that we do. I’ll let you in on a secret; this is the best thing that you could do with your finances: surrender it to Him. Let Him have the final say because that is the benchmark of being a great steward.
Jay Ganotan is a  Former Radio Jock at Jam 88.3 and currently a Bancassurance Sales Executive at BPI – Philam Life Assurance Corporation. He Studied Communication at De La Salle University

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Filed under Behavioral, Finance Advocate

Top 3 Powerful Lessons That Made A Difference With My Personal Finance

When we were growing up, not every one of us was taught how to handle our finances. The great concept we are told when we were young is to study well, so that we can get a decent work with a good salary to assure our family’s good wealth, our children’s education, purchase our dream car and dream house but, ta-da! Surprise! Unfortunately, a decent job won’t just do it all.

When I started working, I was surprised that even if I already got a high-paying job, finances is still a difficult concern. So here, let me share to you these powerful points that brought change to my personal finance.


A magnifying glass hovering over several words like deceptions and lies, at the center of which is Facts



When we say, “know the facts,” I encourage you to first know your own financial profile. Those who are already in the investment industry are already aware of the financial profile survey usually have to be filled out first before signing up or during signing up for an investment, but more than that we can take part in simple ways to figure out and understand our own financial views and behavior. Let me share to you how I do mine:


Here is an example of a personal monthly budgeting which I also apply with my own finances. In this simple way, I figure out how much I would be spending for a month and to what is it allotted for, also knowing how much I can save or place as an investment it makes me aware and well-informed on how my finances’ flow. I do this every month, making it a habit sustains a healthy attitude and makes wise with my spending. After this, you can now expand your knowledge about investments that are best suitable for you! Engage in facts! Study! Learn! And always know the facts!



Don’t be afraid to make it simple, don’t even make it complicated. You don’t need to be a Math genius to figure this one out. The important thing is that YOU KNOW. It makes you one step ahead to being financially wise.






Now that you are one step ahead, after you figure out the current flow of your finances, it’s time to lay down the things that you want to save up for or you need to prepare for. Considering the table stated on point number one can also give you a timeline of when you could purchase the thing you desire, or when to start your own investment in a specified time only if you keep the discipline of being consistent and sticking to the concept. Let me also share to you these questions that I answer before I plan, purchase or invest on something:


-Do I want it? (If NO, then don’t. If YES then answer the second question)

-Do I need it? (If NO, then don’t. If YES then answer the third question)

-Can I afford it? (If NO, then don’t. If YES, GO! )


But be careful because the third question is sometimes tricky, sometimes we can afford it only if we would compromise something, if you are to compromise something just because of the thing that you are desiring to purchase, DON’T.


Fear concept with word eraser and pencil on white background




It’s okay to be cautious, but if you being cautious is keeping you from possible opportunities to expand your financial wellness, then I believe that is fear. But if you use fear as an advantage and motivation to expand your financial wellness, then you are on a great path!

Fear is normal. It is in our nature, our instinct. If experts aren’t afraid of losing financial wellness, coming up with an insurance, investment and other financial wellness concepts couldn’t have been possible. It is up to you on how you would use your financial fears to your advantage.


Now that you know the facts, and you understand your priorities well, and removed fear out of the guideline, let me leave you with this one simple point that can bring a difference to your personal finance —-




Criselda Dejuras is a Bancassurance Sales Executive at BPI-PHILAM who excels in her work in spreading financial literacy in the country today,

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Filed under Behavioral, Behavioral Finance, Clarity

An open letter to borrowers

Disclaimer: This is an open letter to all who don’t value their word when it comes to paying on time. I just want to show ang kahalagahan ng friendship over money and how much is the effect to the creditors. I think these are the words that you will say to your borrowers. 
Alam mo pinaghirapan ko yun kitain, humingi ka ng tulong at tinulungan kita. Nangako ka, di kita pnagdudahan dahil friends tayo. Mahalaga ang friendship natin pero pinagpalit mo lang ako sa THIS AMOUNT of MONEY.  Ang sakit isipin na di mo lang ako tinakbuhan pero you also blocked me sa FB. Whenever I call you di ka na sumasagot. Parating the number you are calling cannot be reach. I tried to reach you sa employer number mo kaso wala ka raw parati, ang malala nito ay nag-resign ka na raw. Nagsabi ako ng totoo para matulungan kita. Pwede naman akong mag lie na di kita mapapahiram ng pera that time pero ang sama ko naman kung mag lie ako diba?

Ang pera na yun pwede ko na matulong sa family ko, pero till now di mo pa nababalik dahil sa may sakit ka, wala kang trabaho, wala pa sahod. Grabe yung patience ko sa’yo para lumapit ka sa’kin. Nung ako na ang naningil ikaw pa ang galit. Ako pa ang nabaligtad, pinagkalat mo sa friends natin na wala akong puso at di raw kita maintindihan.

Alam mo okay lang mangutang kaso mas okay kung magbabayad ka on time diba.  Ang galing mo magsabi ng deadline di mo naman matupad tupad. Kulang na lang puntahan na kita sa bahay niyo para singilin ka. Sana lang maisip mo na kelangan ko na rin yung hiniram mong pera. Sa abot ng aking makakaya pinagkatiwalaan kita, ni sorry wala ka man lang pasabi. Ang masakit pa pangalawang beses mo na ito ginawa. Akala ko ba di na mauulit na late ka magbayad. Hayyy, so frustrating sana lang maalala mo ko at yung mga ibang pinagkakautangan mo.

Yours Truly

If you have questions send me an email at

David Isaiah Angway is a Registered Financial Planner and a Financial Evangelist

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Filed under Behavioral, Borrowers, Hugot, Payment Due, Utang