Argel Tiburcio - Your Free Personal Finance and Money Management Tips!

How to Increase Your Savings and Eliminate Unnecessary Expenses

Plan How You Spend Do you plan how you will spend your income? Do you treat your savings as an expense? Do you pay yourself first or do you pay credit card companies, electric companies, water companies and cellular phone service providers first? Do ...Read More

The Ultimate Retirement Plan for Millennials

The Ultimate Retirement Plan for Millennials Many Filipinos neglect to have a retirement plan. Thus, many Filipinos are having trouble supporting themselves when they get old depending only on some pensions with a very minimum amount. Filipinos make retirement plans too late. In fact, ...Read More

4 Tips for Starting a Business with Low Capital

Advice When Starting a Business with Low Capital Starting a business is always worth giving a go, especially when you see the results of your hard work. You don’t have to be rich to start a business, as determination and diligence will make you ...Read More

#ArgelAnswers What are Mutual Funds?

What is a Mutual Fund? If you happen to stumble upon this post, it means you’re interested to know more about mutual funds or you want to invest in a mutual fund! Well, you came to the right place because this fun infographic from PAMI ...Read More

#ArgelAnswers: How much debt is too much debt?

I’ve been invited to talk about Financial Planning, Personal Finance, and Money Management in front of government employees. In De La Salle University, I was invited to give a talk to public school teachers. A post shared by Argel Tiburcio (@argeltiburcio) on Mar 19, ...Read More

Top 5 Myths About Meeting a Financial Adviser

Scared of meeting with a Financial Adviser? Are you on high guard when Financial Advisers start to present the services they offer? Did you have a bad experience with a Financial Adviser? Face it. Sooner or later, you are going to have to tap ...Read More

#ArgelAsks Do you already have an Emergency Fund / Safety Fund? (DZMM Teleradyo Live Interview Inside)

I already have an Emergency Fund, Argel That’s great! It means that you already have at least three to six months’ worth of your expenses saved somewhere you can have immediate access to. However, a recent banking glitch here in the Philippines triggered a ...Read More

Safety Fund vs Protection Fund: Which should you establish first?

What’s the difference between your Safety Fund and Protection Fund? I am often asked this question whenever I sit down with someone for Financial Planning. (Want to have a free Financial Planning session? Contact me here) So, lets’ define these terms first. Safety Fund ...Read More

Entrepreneurial Ideas for Kids (DZMM Live Interview Inside)

Entrepreneurial Ideas for Kids (During their Vacation or Long Break) It’s a great idea to introduce entrepreneurship to your kids. Hopefully, they develop a knack for being business-oriented, and we want them to also learn valuable lessons about handling, managing, and knowing the value ...Read More

The 5 Cards that Life Deals Us

Have you ever played Poker? Or any card game for that matter? Do you agree that, after a good shuffle of the deck of cards, you really don’t have any influence on what cards you are dealt with? In the game of life as ...Read More

#ArgelAnswers What’s the Smartest Way to spend my BONUS?

It’s the most wonderful time of the year! As the song lyrics goes, Christmas is the time of the year for sharing and giving. It’s also the time when most people have lots of extra money due to bonuses like their 13th-month pay and ...Read More