Tag: money talks

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COL Financial’s Mobile App is Now Here!

I have recently opened an account with COL Financial and so far, my experience with this online broker has been pretty good. I don’t have any gains from my stocks yet (hopefully my money will start growing soon!) but I try to keep calm and steady. I now see myself as a risk-taker kind of investor so I believe everything’s gonna be okay sooner or later. But anyway, the good news I want to share is that they finally launched their mobile app!

col mobile app

I actually learned about this development from my college friend who posted about it on Facebook. Being an iPhone user, I immediately followed the instructions and downloaded the app. (As per the poster above, Android and tablet versions are not yet available.) The information you can find inside are almost complete: stocks portfolio, stock codes, buy and sell orders, trading info, stock market updates, etc. It’s not user-friendly at the moment and the interface is not so good, either. But let’s give COL Financial the time to improve/upgrade it in the coming days or months.

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Additional Credit Limit from Citibank

Just the other day, I received an email from Citibank informing me that my credit limit has been increased once again. From P55,000, it’s now P80,000. Again, I didn’t ask for it, they just willingly gave it to me like in my previous line increase. Was it because I’m a responsible cardholder now? Yes, probably. Or maybe, they just want to lure me into spending more. Well, good luck to them because that won’t happen!

citibank
email excerpt from Citibank

Ever since I became credit card debt-free, I’ve been paying my credit card dues in full. After learning the hard way how credit card companies make money, I started to take my credit card spending seriously. I want to give them as little profit as possible by being a responsible cardholder now.

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No to Mindless Spending

Aside from cutting back on my expenses to save more money, I took on the challenge of a shopping fast because I wanted to say no to mindless spending. I can be the worst impulsive shopper if I want to, you know. But I realized it would just lead me to nowhere in my journey to financial freedom, so I decided to stop.

We all have an imaginary (sometimes physical) list of things we want to acquire or have. It could be a designer bag, a set of expensive jewelry, a piece of modern furniture, a hi-tech gadget, or a trendy home appliance. Mindless spending, or in this case, shopping, happens when we suddenly come face to face with a particular item in our so-called “list.” Normally, such item is hard to come by that when we chance upon it, the tendency is we buy it right away without second thoughts for fear that such an opportunity won’t present itself again. It’s like a moment of destiny when the universe conspires to make things happen for us. I’m telling you, I’ve experienced it a lot of times and the impulsive shopper in me always won.

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Emergency Fund: What, Why, and Where

Emergency fund is money set aside for use in cases when you suddenly have to spend on something very important or urgent. It could be anything from job loss, sickness, and unforeseen expense. Actually, you can recognize it easily when you experience it.

Emergency fund, or funds for that matter, should be accessible any time the need for it arises. Personally, I had been aware of the concept of emergency fund during my high school years and I got to build up my own only when I got my first job. I didn’t take it too seriously then. As long as I had some money in my savings account, I thought I was okay.

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Online Garage Sale

I’ve talked about earning money by selling pre-loved stuff before. Recently, my superfriend Nice had thought of putting up an online garage sale and I liked the idea. I asked her if I could include some of my items in it and she agreed. Cool.

As of now, I only have two items up for sale in her All-Must-Go Online Garage Sale: a Canon 1000D and a Play Station 3. If you’re interested, they’re priced at just P12, 500 each only. Both are still in very good condition and knowing the hubby who’s very neat and careful with his stuff, you can be assured that what you are buying have been well-maintained and more importantly, well-loved.

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