3. Create Emergency Fund

By Cheryl Sperling 


For the past few days, the disaster that struck in Cagayan De Oro, Iligan, Dumaguete, and other places is dominating the news. Tropical storm, Sendong, is the culprit! A lot of our Filipino compatriots lost their loved ones, and their homes and belongings, and to those who survived will contend with cleaning the aftermath after the storm! It won't be easy with all the thick mud all over the place plus almost all the stuff in the house are either damaged beyond repair, so has to be replaced .... or those that are still usable needs money for that needed repair especially the electrical outlets as it would be dangerous with all the mud and other debris lurking on it.  I don't live in CDO or the other places mentioned but I could relate to what they are experiencing now as I was a victim myself of another storm, Ondoy, which wrecked havoc also in Luzon in 2009.

2. Manage Debt

By Cheryl Sperling 




"Credit can be a great financial tool but when it is not used properly it can create serious debt problems."

We hear of teachers, employees and many others who continually borrow to pay their debts. Even before they get their pay checks, its gone. I don't know if you belong to one of these people, but if you are not, congratulations!

1. Increase Cash Flow

By Cheryl Sperling





To increase cash flow, we could either earn additional income or manage our expenses.


We need money if we want money to grow! In other words, we need to SAVE. 
Pay yourself first. Let this be your guide.  
Income - Savings = Expenses.                                            

6 Steps to Financial Freedom

By Cheryl Sperling 

When I was growing up and seeing people well groomed and working, made me wish that one day I will be like them, too. I wanted to be financially free ... and more! I wanted to have more than enough money so I can help the poor. So many wishes! ... I saved ... and gave, but it wasn't easy making your money grow especially with not much guidance and information at hand, then. But these days, thanks to the internet, we can find endless information on how to achieve financial freedom. For the last 19 years, I have been educating myself to achieve my dream of being there by consistently saving and investing long term in the right vehicle (not in banks)... and living a very simple life made me reach there faster!

Financial Planning - A Must for Every Pinoy!

By Cheryl Sperling


Here in Pinoy Wealth Crusaders, we envision to help educate every Pinoy .... especially those whom the banks and big financial institutions wouldn't cater as they don't have big savings to start with ... our dear OFW friends who haven't heard where to best keep their money to make it work for them .... to our friends and acquaintances here working locally as well, who live pay check to pay check ... and to everyone, who dreams to one day be wealthy! We will teach them practical ways to be financially literate and thus retire as millionaires. 

A new beginning

Find tips and tricks to the latest trends in money matters. A place where you can find a wealth of information for your quest for financial education.