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Saving is easy to say but difficult to start, especially for a millennial like me. Having friends is perhaps one of the reasons why it is difficult for me to start saving. Maybe for most millennials, too. THAT EUREKA MOMENT When we planned to book a plane ticket for Singapore, my supposed first international trip last year, I was hesitant. I had that YOLO (You Only Live Once) moment believing that as long as I have money, I can travel. If I don't go with them, I might have that FOMO (Fear Of Missing Out) feeling. I decided to back out last minute because of an emergency back home and didn't have enough savings to fund my travel. I have learned my lesson from that experience. First, I need to have a separate travel and emergency fund. This will allow me to become a more responsible millennial without sacrificing my YOLO plans in life. I can only achieve this if I manage my money wisely. Like me, are you also looking for some financial advice on how to save for a be

When talking about financial literacy , most of the things I learned are from the discussions I have had with my friends and personal research through the pages of the internet. In simplest terms, financial literacy is budgeting your money and understanding how money works so that you will get the most of its value over time. I feel that the lessons I got in the classrooms during my high school years were inadequate. Either they lacked content or I didn't have a mature mindset to understand inflation, the stock market, insurance, and other technical financial jargons back then. In my mind at that time: I just needed to pass this subject! And here comes the so-called "real world" after graduating college. After my 15 years of studying, where will I go next? Will my family expect me to be already earning enough money and can I give them a monthly portion of my paycheck? When will I reach my first million peso savings? Like you, my fellow millennials, it was only

Dear Fellow Millennials, We are lucky to live in this time when digital and technology are shaping our lives. From sending snail mails that take weeks or months to arrive, it now takes less than a second to send a message online. From searching through the alleys of the library, it only takes a button to do a research on any topic imaginable. We are the generation that experienced the advent of technology as we moved up in the ladder of the educational system. Some of us already had mobile phones when we were in elementary. We learned to embrace social media and smartphones later on. This generation is the living witness of how awesome Nokia 3310 was! We had also seen the rise of iPhone's popularity. Google and Facebook have become the two websites we use almost every day, right? We are the generation that made traveling fun and proved to everyone that we can do it even on a budget! We are travel superheroes, thanks to bloggers who made it easy for us. We made selfies t