Financial literacy is not taught in school. I graduated college without anyone teaching me about budget, getting rid of debt, savings and investing. That’s why whenever I have an opportunity to educate myself about personal finance, I’m sure to be there. Seminars, lectures, books, videos, even pamphlets, I’ll grab it. In fact, my first financial lesson came from a Citibank flyer. Since then,...

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Have you heard people saying, “I decided to do this because this is what God told me”, and wonder how these people hear from God? One of my life groupmates asked this and I thought this is a valid question. Who knows, people are saying this just to justify their decisions or appear spiritual. So today, I thought I would share with you...

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I'm pretty much an optimistic person. But there are still times when no matter how I try to motivate myself, I'm still overwhelmed with negative emotions such as worries, doubts and feeling of failure. Finally, I understand where all these negative emotions are coming from, what’s its purpose and how to handle it. First, understand that thinking negatively is actually a human nature....

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