Pera and Purpose Podcast

Life was easy for Ralph when he first arrived in the UAE. He immediately found a job as a telemarketing executive, and later as an executive assistant. He enjoyed the YOLO lifestyle that his salary afforded him, but he didn't think about managing his finances wisely. After 3 years of working, he realized that he wasn't managing his finances effectively and was making many mistakes that were hinder...

Coach Wanda has lived an incredible life filled with challenges, growth, and success. She lost her father at the young age of nine, which changed everything for her family. Despite this, she went on to become a Certified Public Accountant and Audit Manager by working in multinational companies like EY and Emirates. In her first year as an OF in 2006, she did extraordinary ways to save money for he...

Godwin's journey began in humble beginnings when he worked at McDonald's at 17 years old. He decided to take a chance and moved to Dubai in 2015 in search of a better life. Unfortunately, life as an Overseas Filipino wasn’t what he thought it was, and he found himself in debt for several years. But just as things seemed their bleakest, Godwin received his big break when he became the first and onl...

Money is a tricky thing. Isa ito sa mga kailangan natin sa buhay, pero it's also one of those things that can make us feel like we don't have enough. How are we supposed to get enough money to do the things we want, while also avoiding money from controlling our life? Well, worry no more! Our special guest for today is going to give us all the tools and tips we need to succeed in our quest for fin...

FOMO: Fear Of Missing Out. It's a real thing, and it's not just for teenagers. The older we get, the more likely we are to fall victim to FOMO, because we have more to lose—we have kids, homes, careers. We have important things that we can't afford to miss out on. But what happens when fear of missing out makes us do things that aren't in our best interest? What you'll learn:- What Financial FOMO...

Building new money habits can be a struggle if it's your first time doing it. In this episode I'll talk about how you can start a new financial habit and how you can stick to it! What you'll learn:- Why building a new habit is hard- How habits are formed- The 4 Laws of Behavioral Change- How my habits changed from being a spender to an investor--SOCIAL MEDIA:FB: (https://www.facebook.com/jayadrian...

Do you feel as though you are working so hard to be wise with your money but you never seem to get ahead? Or have you been working your tail off, but at the end of the month, you don't have much to show for it? Yes, issues like inflation and recession are genuine concerns that can seem like major impediments. But even when the economy isn't insane, if you don't establish any financial goals, you'l...

It’s the Christmas season, and the end of the year is just around the corner. This is a great time to take a quick look at your finances to make sure you're ready for 2023.Before we get so busy with our New Year’s resolution, I'm going to review a list of important things every individual should do before the end of the year to get their finances in order. What you'll learn:- The important year-en...

Do you feel stuck in your life right now? You’ve been working for so long and your income has not grown. Isa lang ibig sabihin nyan, you need to learn something new! I know it's hard to believe that something as simple as learning a few new skills can make a big difference in what you earn, but it's true. The more skills you have under your belt, the more options you have in the job market, and th...

Saving more money remains to be one of the most troublesome financial concerns by many Filipinos. Some of the most common pieces of financial advice you’ll hear is to live on a tight budget, to be frugal and to spend wisely. While these are not bad, being on the defensive side of your finances won't be enough to help you win in your finances. In this episode, I share the 4 resources I learned to u...

Have you ever wondered why no matter how much salary increase you make or extra money you get, eh wala ka pa ring naiipon. More money, same problems. Baka isa ka sa mga biktima ng Lifestyle Inflation o ang dahan-dahang paglaki ng iyong gastusin habang lumalaki ang iyong kinikita. There are many things that contribute to this horrible phenomenon and this is worse than the usual inflation that we ar...

We all know that our success lies within our own two hands. Walang ibang magpapayaman kung di ang ating sarili lang. This is why Self-leadership can help you get ahead in your career, life and finances! However, what does it really mean to be our own leader and how do we even develop that mindset when everything is against us? You’re lucky because today we are joined by Sean Si who learned how to...

Seigmond “Mang Emong” Abad started his journey as an Overseas Filipino back in 2014. His extensive background in banking and never-give-up attitude helped him succeed as a Financial Advisor from the day he started working. We both met in 2018. We teamed up as advisors and started our project called Empowered Expats - a series of vlogs that focused on personal finance and personal development. In 2...

The dollar is at its strongest in over two decades. Napakadami talagang pagsubok ngayong taon, dumagdag pa ang pagbaba ng halaga ng Philippine Peso. As I speak, 1 USD = 58 pesos, and 1 AED = 16 pesos! Buti pa ang dollars, nagmamahal. Yung crush mo, may iba ng mahal. Pero bago ka pa humugot dyan. Alamin mo na lang kung bakit nagkakaron ng currency fluctations, ano ang epekto ng pagbaba ng PH peso,...

For the past several months, there has been a couple of companies that are going public, raising funds with the goal to grow their business further. Siguro nakarinig ka na rin ng mga tsismis or nakita mo sa social media ang mga taong nag profit sa dahil sa Initial Public Offering ng isang company. Pero..What exactly is an IPO, how does it work and why do companies engage in this activity? How can...

Have you ever felt that no matter what you buy or where you go - you still feel unhappy? Do you sometimes feel lost in life? Madalas ka bang nagi-guilty after making a purchase? You’re probably one of the many people who buy on impulse or buy unconsciously. Wag kang mag-alala dahil in this episode I’ll be sharing with you the art and science of intentional spending. These different techniques that...

Berkshire Hathaway CEO Warren Buffett is continuously ranked as one of the richest people in the world. One of his most famous sayings is "Rule No. 1: Never lose money. Rule No. 2: Never forget rule No. 1."Easier said than done, right? Sa dami ng mga investments, scammers, financial products, temptations to splurge.. papano mo pa maiiwasan ang hindi mawalan ng pera? Kaya sa episode na to, I will s...

An insurance product is an important purchase you can make to protect your assets and family’s livelihood. When I realized I need one, I immediately shopped around kung ano ba ang best na insurance para sakin. Unfortunately, my experience with my first insurance agent was not the most pleasant. It was one of the main reasons why I got into the insurance industry. Kaya sa episode na to, I’ll share...

Napansin mo na ba yung mga sinasabi mo ay kadalasan nagkakatotoo? Naniniwala ka ba na you attract the things that you say? There’s power in every word that we hear or say kasi they ultimately become part of our belief system. Sa totoo lang, wala namang tama at maling belief system dahil iba iba tayo ng pananaw sa buhay. The only thing that’s important to know is: “Is this belief limiting or empowe...

They say the first million is always the hardest kaya in this episode I'm joined by Mr. Bryan Bracero, one of our listeners who's based in South Korea working in a manufacturing company. In this episode you'll learn:✅ The importance of communicating well with your family✅ How having a clear vision can help you achieve your goals✅ The system that he made to help him save his first million✅ Why...

A few weeks back, I got the chance to be invited as the resource speaker for the MoneyGurado series of PLDT Global and SandBox Middle East. I talked about the why many OF’s fail to save money and how to increase our savings. During the Q&A, one of the participants asked about the difference between saving and investing. Isa ito sa mga common questions na nakukuha ko. May mga nagtatanong kung d...

Happy 124th Independence Day mahal kong Pilipinas! Araw na naman ng kalayaan..Pero ang totoo, malaya nga ba tayo kung marami pa rin sa atin ang lubog sa utang, hindi makauwi ng pilipinas para makapiling ang ating pamilya at stuck sa trabaho na hindi talaga natin gusto? Let’s face it. Financial Freedom is not free and there’s a price to pay if you want to be truly independent. Kaya sa episode na to...

Doing something new can be a daunting task lalo na if it's having your own business. In this episode I'll share how me and my wife started our new e-commerce business and why starting small, growing slow and learning fast is the best way to go. What you'll learn:- Why start small and grow slow- The 5 Stages of Small Business Growth- How you can learn faster- The importance of having a mentorVisit...

The stock prices of Amazon, Google parent Alphabet, and Meta are all down more than 20 percent this year. Bitcoin's price fell as low as $26,000 this month, down 60 percent from its peak in November of 2021!Luna, the sister cryptocurrency of controversial stablecoin TerraUSD, has collapsed to nearly $0!The market is crashing!!Pero bago ka mag-panic, listen to this episode first as I discuss:- Why...

Blockchain was originally designed to support cryptocurrencies, but it has been extensively praised for its potential to transform other industries. In 2024, global blockchain expenditure is expected to reach over $17.9 billion, with a five-year compound annual growth rate of 46.4 percent. So in this episode I have invited a Felix Asuncion who is involved into multiple industries like catering, re...