Pisobilities: 10 Financial Commandments

6:11 PM Cindy 4 Comments

Hello, my dear readers! I hope you're all doing well and financially stable this first quarter of 2016. I apologize for my long absence here in my blog because I'm hella busy doing office works, job-hunting, and budgeting. To sum it out I'm going nuts but let's not talk about it right now. Hehe.

Anyhow, I want to share with you 10 financial commandments that I learned from Pisobilities; it is a financial show I frequently watch here in the Philippines thru UNTV channel. I am an avid viewer of the show and the main host Mr. Francisco Colayco shares awesome tips that I try to exercise in my money woes. I hope reading below 10 lists will inspire you to be financially free from expenses and start building your emergency fund.

1. Pay yourself first - save, save and save!

2. Define your financial target at each life phase:

-Start-up stage: 3 months cash reserve
-Build-up stage: 6 months cash reserve
-Asset Allocation stage: 5 years of cash reserve

3. Stop spending on things that will decline in value

4. Protect your greatest income generating asset (YOU),  seek for protection like insurance: term life insurance and hospital insurance

5. Grow with the economy and beat inflation

6. Trust the power of compound interest

7. Assess risks and options:

Remember: The higher the return, the higher the risk!

8. The power of leverage

9. Invest and diversify

10. Make use of the power of one:

-Mutual funds

I hope you learn something after reading this entry and inspire you to start saving now! Do you have any financial show that you watch right now or do you have any financial guru that you follow? Share it in the comment section below.


  1. I think no. 4 the best tip from the list. Diba? Dapat protektahan talaga ang sarili, tayo na kumakayod para magkapera sa legal na paraan. Ako naman I read Mr. Colayco's column in Bulgar, hahaha, yung FIL ko kasi laging bumibili nun every morning. :)

    1. I agree kaya nga pinag-iisipan ko na rin na kumuha ng insurance after ng graduation ng bunso kong kapatid. Hehe. Nabasa ko yung e-mail mo sa akin. Hihi. Buti umayos na kasi di ko alam if paano ifix yung problem na ganun. Hehe.

  2. Interesting to ha, namiss kong magbasa ng mga ganitong post. Thanks for sharing sis!!!

    1. Thanks din sa pagbabasa ng entry ko sis! Hehe.