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Portfolio of Sonnie Santos

Hierarchy of Needs and Spending

I believe, before we attain  financial freedom, we must manage our spending and save. And from our savings, we must learn to invest in low risk ventures and slowly build different streams of passive income.
One of the reasons why we can#8217;t seem to save money is our mixed up spending priorities. I was blog hopping [...]

Buffer Fund

From our mom to our school teachers,  and to banks and investment gurus, we always hear them preach about saving money.

This is vital and important to our financial well being.

But are you aware that  we must first have buffer fund before we even think of what to do with our money?

A buffer fund is [...]

Crisis Proof Lifestyle

There has been a consensus among economists that the effects of the global economic crisis will likely linger for about 2-3 years. The times ahead will be tough, and looks like we’ll see more business to close shop and more people to lose their job. Only the resilient and strong will emerged as over comers.
As [...]

Check Your Spending Habit

Aside from myself, all people I know wants to be financially free. This is doable, but aside from the strong desire, we must be willing to alter our spending habits. To attain financial freedom, just like other goals, we must have a plan or blue print of our courses of action to get there.