Miss Financial Audit

11/12/2025

Earning calls are one of the best ways to understand how leaders make decisions and manage growth. Always something to learn.

10/19/2025

My RRSP portfolio- Malayo pa, pero malayo na.

I have 3 portfolios in total.
1. TFSA - very aggressive… built mostly on tech
2. FHSA - So so
3. RRSP - Dividend focus

I would like to reflect on my RRSP.

Honestly, I love that my dividends just keep showing up, like little reminders that my portfolio is working even when I'm not. It's kind of like planting a tree and watching it grow slowly but surely.

That long-term, steady, income-generating feeling? That's exactly why my RRSP has become my favorite financial tool.

I've always felt that if done right, an RRSP can really act like a springboard for your investments.

Just to be clear — the RRSP itself isn't an investment, it's a tax shelter. The real "springboard" effect comes from what you actually put in it.

Think of it as a box you can fill however you like.
Personally, I've built my RRSP portfolio with a mix of excitement and stability: a few growth plays, but mostly solid, reliable stocks.

Lately, l've been leaning toward steady, long-term picks - yep, mostly Canadian banks (I know 😅). But that's exactly what an RRSP is made for. Throw in some dividend stocks, and it really starts to pack a pun.

09/14/2025

I can never emphasize how budgeting can help anyone so much and stay in control of your own finances.

Budgeting should never restrict you of anything. Budgeting simply means deciding where your money should go, and then following up on your decisions. 😉

07/23/2025

I’m in tears😭. Probably my finest moment with my stock investment portfolio is this one. This is a work in progress, but so far in this journey, this is my best rebalancing. I finally achieved the ideal proportion for each industry I want to emphasize on after reallocating few funds here and there. Clapping for the first half of 2025 👏. Lord please keep me stay grounded for the rest of this year 🙏.

07/09/2025

This is a reminder that quiet seasons are not wasted seasons.

Plant. Water. Wait.
Keep watering.
Keep tending.

Results show up for those who stay rooted, not those who rush.

06/28/2024

Build credit without debt.

Many people would suggest opening numerous credit cards and filing many loan applications in order to begin building credit.

Despite what many people think, you can always boost your credit score without falling into debt.

I have only 2 credit cards- But I owe ✅0$ balance on both since I pay it all in full even before I hit my statement dates.

I have ✅0$ car payments since I paid my car in cash and in full.

I have ✅0$ on personal loans since I am the one crediting to friends and family and charge them 10% payable in 2 months. haha 👌

I have ✅0$ on any loans since I don’t have mortgage. Me and my husband rent. 😂

We will definitely take out a mortgage at some point. And THAT is why we prepare ourselves to be debt-free for this reason, allowing our mortgage to be our only long-term obligation.

02/22/2024

Daily Journal: February 21, 2024

Never put money in something you DON'T understand. No matter who says so. Including me.

If you come across any information or advice online that suggests putting money in something without providing detailed instructions, You should not do so.

This implies that you may initially be moving a little bit slower at first, considering that's what you currently have access to at the moment and your money may be sitting in a bank, And that's okay.

According to Proverbs 11:14 “Where no counsel is, the people fall: but in the multitude of counselors there is safety”

Consequently, plenty of money people have quite a bit of arrogance in them and they want to dictate to you what to do.

If your financial advisor, insurance agent, real estate agent, estate planner, or other individual with knowledge of money is telling you what to do rather than guiding you, FIRE Them. and get another one. You want someone with the heart of a teacher, because it is not their job to manage your money, it is yours.

However, you have a responsibility to sit down with a financial advisor and learn everything you can from them. All you have to do is watch out for someone who has a teacher's heart at all times. You shouldn't abandon your responsibility by passing on decision-making to someone else.

Should you require guidance in understanding, find someone with the heart of a teacher and build up knowledge from them. Those two things always work together.

It doesn't matter if you're moving slow. You just move at the speed of your comfort. Speed of peace. WHEN IN DOUBT. DON'T.

If your stomach moves up to your throat. DOnt do it. Whenever you make a financial choice, always consider this: When I achieve this, would I be proud of myself?

If it doesn't then don't do it.

02/11/2024

I have a sum of $75,000 credit card limit in all my credit providers and guest what, I carry $0 balance in it. I have not paid any credit card interest since I started building my credit score. I always pay my balance in FULL every month.

The best thing, I was able to build 810 credit score with no existing debt in my name.

Contrary to popular belief, having a balance from month to month does NOT negatively impact your credit score. In reality, there are several reasons for paying off your credit card debt as soon as you can.

The interest you will pay on whatever balance you carry will be your first expense and can add up rapidly. When making purchases with a credit card, credit card lenders often charge an annual percentage rate (APR) of between 16% and 25%. Most of credit card interest is also compounded daily, so whatever interest you accrue on your debt is promptly applied to your principal sum. Paying interest on your interest is essentially what you’re doing. In spite of your best efforts to avoid making any further purchases, your debt will increase over time due to daily compound interest.

Tip- ONLY USE 30% of your Credit Card Balance then pay it in FULL before the statement period.

This is where I post and track my Investment Portfolio.

02/10/2024

It only means that a dollar invested today can be invested to earn a return, something you can’t do with a dollar you have NOT received yet.

Don’t delay investing.

01/05/2024

✅ My goal is to eventually use my insurance provider’s stock I own to pay for my insurances with them.

Critical Illness Insurance is among the most crucial policies that everyone, no matter where you are, should have.

My policy is with $MFC Manulife since I believe they provide some of the greatest CII policies available. I so pay $92 a year for my policy.

As an investor, I find Manulife with strong financial standing, having a very sweet dividends yield of 5.2%.

Perfect for my portfolio.

I invest the same amount to my company's provider to offset my insurance costs. I made the decision to invest the same $92 on a monthly basis as opposed to an annual basis.

12/07/2023

Daily Journal: Dec 5, 2023 - If I could relive any day from my past, which day would I choose?

Not a day but the mindset I had 10 years ago. Being young dumb and broke was glamourized more than anything. Money wasted and earned wasn’t that much as compared now. But in philippines peso, it was more than I could ask for. My most expensive learning I wish I could relive.

07/08/2023

One of the things I do to prevent burnout while on my FIRE journey is to push myself to spend extravagantly on the things I enjoy once I meet my financial goal for the current year. Be it clothing, travel, jewellery, or anything else I know will fulfill my desire for things. As 2023 is halfway over, I just exceeded my net worth goal for the year. To thank myself for an effort well done, I got this pair of Roger Vivier sneakers… just because hahaha. Of course, I make sure to invest twice as much before I spent on these ridiculous shoes so that I can spend guilt-free.

It’s been such an amazing year🥹. Thank you for the abundant blessings 2023. 🙏