Category Archives: Money Problems

8 Christian Principles about Personal Finance

Questioning the truth

                                                              Questioning the truth


Guest post by Marife Rosas

You might hear a saying before that says: “Money is the root of all evil”. Some say’s that if you are rich, it will be hard for you to go to heaven. I can’t blame them with those thoughts especially if you are like me who grew up in an environment wherein their past time is watching “unlimited teleserye”.

Don’t get me wrong, I love watching television as well, and it’s not a sin to do so. Is just that sometimes, we are unconsciously absorbing the wrong thoughts that “We need to be poor” so that we will become the protagonist (bida) of our life. Because sad to say, most of the time, teleserye portrays that rich people usually are corrupt, selfish, and full of pride; that’s why unconsciously, people are not aiming to improve because they are afraid to become the antagonist (kontrabida) in their own life .


But the Holy Bible is clear, It say’s “For the love of money is a root of all kinds of evil”

1 Timothy 6:10. It’s clear that it’s not only about money, but Love of it. It means that when we love money more than God, that would be the fall comes in. But when we know that Money is only a powerful tool that can be used to bless other people around us, I am sure that you will never stop to aim high.


Today, I would like to share with you the 8 Truths that will help you to improve in your personal finance.


It doesn’t matter if you are just a student, a professional, employed, house wife, self-employed or entrepreneur. These 8 Christian Principles will be very applicable for you.


Have a Paradigm Shift

Keeping away from negative people, over-spenders, reading books, listening to audio books, attending seminars that will help you grow, and seeking Godly counselors are very helpful technique that will help you to gradually have a Paradigm shift. The bible say’s “Without counsel purposes are disappointed: but in the multitude of counselors they are established” (Proverbs 15:22), and if you unconsciously gained the “Teleserye fever” this will be a cure. J


Acknowledge that God is the supplier of everything

Philippians 4:19 says, “My God shall supply all my need according to his riches in glory by Christ Jesus. 2 Corinthians 9:8 adds, “And God is able to make all grace abound toward you; that ye, always having all sufficiency in all things, may abound to every good work.”

We have to focus to the Lord and returning to him what is His through tithing, is one way for us to show our “living faith”. Because to just say by words is easy, in fact everyone can say that they believe, but not all does. That’s why it’s important for us to dare to be part of the few who Acknowledge it by their words, but most importantly with their actions too.

Deuteronomy 14:23 says, one purpose of tithing was to teach the people of Israel to put God first in their lives.


Appreciate what you have 

Take note of all the blessings that you already have, and commit to yourself that you will become a good steward of it. By doing this, you will prove to yourself the faithfulness of your God upon your life for giving you so much to be thankful for, but at the same time to remind yourself that there is a purpose why you get those blessings. You have to work as much as you can to maximize it for His honor and glory.


Dedicate a specific time to plan and work hard in your finances

It’s important for us to know where we are right now for us to know how near or far we are from the situation where want to go. And in personal finance, we can solve this by computing our cash flow, SALN, and learn how to manage it right, and if you think you need more, It would be a good idea if you will “Increase your cash flow” by starting with the God-given talents that you already possess, hone it, use it, and monetize from it and treat it as your first business. The Scriptures spell it out: “In all labour there is profit; but the talk of the lips tendeth only to peneury (poverty) (Proverbs 14:23)


Build  your back up

It’s important for us to understand that there will be rainy days in our finances and If we built our back up (savings) it will not be too difficult for us to face it.

Proverbs 21:20 says, “There is treasure to be desired and oil in the dwelling of the wise; but a foolish man spendeth it up.” And Proverbs 22:3 emphasizes, “A prudent man foreseeth the evil, and hideth himself: but the simple pass on, and are punished.


Be Disciplined and Rule over unwanted spending

I’m sure that all of us have goals of honoring God is whatever we do and for that to happen, it’s necessary for us to cut down our lifestyle. That means overcoming the problem of debt, and it means avoiding frivolous spending. Besides, Christians are to be people of control and discipline (Galatians 5:22-23; 2 Peter 1:6). One place that manifests itself is in our spending.


Trust in God’s purpose

The Bible says that the thief’s purpose is to steal, kill, and destroy. My purpose is to give them a rich and satisfying life. (John 10:10)

I truly believe that all of us have unique purpose in life. You have God-given talents / Purpose that only you can do. If you know that it is for His glory, no matter what other people are saying against you, or even the whole world might not understand you at first, but you are convinced that God can be glorified through that talent, I encourage you to share that to the world and be the blessing itself to other people. Many people are eagerly waiting for you.



It’s necessary for us to plan for our life but at the end of the day, His plan will prevail, that’s why surrender is tremendously important for all of us to have peace of mind that no matter what we are doing right now, God is there to help us according to His plans.




Marife Rosas is a Christian Infopreneur/ Author / Financial Advocate and  Founder of Christian Infopreneurs Academy. Please subscribe to her Facebook Page: and if you want to know her more, check also her  Website: She also got a Youtube Channel:


Btw, I have a new E-book entitled “Christian Infopreneurs Handbook” (How to Effectively Use your God given talents for Profit and Purpose) that I am giving away for FREE to all new subscribers of my blog, .


Filed under Money Management, Money Mistakes, Money Problems

A Single Yuppie’s Guide to Saving

Payday is not until next week but your wallet is now empty. You scratch your head and ask, “Where did all my money go?” This scenario is not uncommon for the working class specially the Pinoy young professionals. The truth is, most of us single yuppies live from paycheck to paycheck. We are the generation that demands “work-life balance” that is why we like to work hard and party harder. We live like kings on a payday weekend and end up virtually broke on the next weekend. There is absolutely nothing wrong with enjoying the fruit of your hard work. Let’s all live and enjoy. Carpe diem! However, if you are one of those people who seriously want to solve the problem of running short on cash a few days before payday, don’t you think it’s time to ask how  you spend your money? The first step toward financial stability is reflecting on your finances. 
Take some time to sit down and list all your expenses for the month. You can do this on your day off or even on your coffee break. Now, what you will need is to create several lists of expenses on a piece of paper or you may use an Excel spreadsheet. Identify the average amount of your pay slips for the past 3 months. You may be earning a total of twenty four thousand a month from your call center job – make a mental note of this figure or jot it down.
The first thing you need to identify is the total amount of your monthly bills. This is really easy and anyone can do this. Heck, some people may already be doing this! Your monthly bills may include, rent, mobile phone, internet service provider, credit cards, cable TV, and other stuff like electricity and water bill. You may include your average spending on groceries under this list.
The second list of expenses you need to create is the cost of your fare allowance from your home getting to your workplace. Do you take the MRT or you prefer taking a cab? You should include your lunch money on this list as well. These will all be part of your “daily operational expenses” and you will need to multiply this into the number of working days in a month. Keep in mind that on average, there are a total of 22 working days in a month. 
The third list would be your “lifestyle expense”. Do you usually drop by Starbucks for a cup of coffee before heading to your office? Do you buy snacks at the office vending machine? How about your weekend activities? How often do you go to the movies? How much do you spend when you go to clubs and how often you visit a spa massage? Anything that is on this list are all variables but, pretty much flexible because you can live without them or you can replace one activity with a cheaper alternative. 
 Now, you were able to identify your total monthly expenses, how much was left? If what was left turned to negative balance, then make adjustments in your “lifestyle expenses”. If there’s more money left, congratulations! 

How much money do you really need to save? 
The responsible thing to do is to keep 10% of your income in a long term savings account or investment. If you are earning 24k monthly, you must keep 2,400 pesos in your “life savings”. This 10% is non-negotiable and part of your income which you could invest, while doing so that money will get a compounding interest in 10 to 15 years for VUL, growth stock mutual funds or the stock market. Most of the commercial banks offer investment banking options which could help you attains your financial goals.
Start a short term savings account or open another savings account. Your short term savings must be versatile. This pot of money will pay for that new gadget you really want to purchase or use it as your travel funds if you take trips every 4 months or so. If you are considering a home renovation project or simply need cash for a “rainy day” use your short term savings account as your emergency fund, never withdraw from your “life savings”. Truth is, you’ll never know when you will finally decide to settle down and start having your own family, and your expenses will definitely change and will multiply. When that time comes, you will be grateful for yourself   having the discipline in keeping that “life savings” untouched. 
At the end of the day, the value of determination will be the only thing you need in order to build a savings account. Nelson Mandela once said “It always seems impossible until it’s done.” You have to start somewhere and the sooner you start your savings account, the better. Don’t be careless with your money but don’t be a scrooge either. Live and enjoy your youth but make sure to create a balance.

Photo sources

Mahj graduated with a Bachelors Degree in Economics at Dela Salle University Dasmariñas Cavite. Currently, she’s a freelancer and studying graphic design.
She was also a former fraud specialist of a Trillion Dollar bank .

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Filed under Budget, Guest Post, Money Problems, Personal Finance, Yuppies

3 ways how to resolve your money problems

Trying to solve your money problems with more money will not help instead it will just magnify the issue. Before you want to fix your money mistakes you need to  do three things. Identify your core values, change your mindset, evaluate  yourself.
Identify your core values is something that we considered as guiding principles that dictate behavior and action. Everybody has a core values but money will never be included in the list. Not even a single organization  that I know focuses on money.  That means money is not the right option to solve your issues with it. You need a deeper and compelling reason beyond money itself. 
Sample core values  Courtesy of
10 Core Values:
1. Deliver WOW Through Service
2. Embrace and Drive Change
3. Create Fun and a Little Weirdness
4. Be Adventurous, Creative, and Open-Minded
5. Pursue Growth and Learning
6. Build Open and Honest Relationships with Communication
7. Build a Positive Team and Family Spirit
8. Do More with Less
9. Be Passionate and Determined
10. Be Humble

Changing your mindset rewiring your brain and building essential habits on how to fix your belief system towards money will play a big role. When  you think money is the root of all evil you are consciously developing a bad relationship with money and won’t achieve financial freedom. If you will train yourself seeing money as a gift or a tool to advance God’s kingdom and help more people then you will found a deeper meaning and purpose why your behavior right now should change. Read more of the bible cause it will enlighten you about the subject of money. 

Evaluate yourself– Many people don’t’ recognize the fact of evaluating yourself can really  help in improving your performance and test your personal integrity. When you are trying to make improvements with your budget, saving money and investing, evaluation is a key to see the growth towards your goal. I highly recommend you to do this every week or monthly to check whether you are gaining efficient skills that you have financially.



1 Timothy 6:8 should be our focus
But godliness with contentment is great gain. For we brought nothing into the world, and we can take nothing out of it.  8 But if we have food and clothing, we will be content with that.”

David Isaiah Angway is a Financial Evangelist

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Filed under Mindset, Money Problems