The Comfort that is Online Banking

I hate long lines even though I've mastered falling in line since 1999 (I studied in UP where there are lines everywhere.) Patience may be a virtue, but long lines are just a waste of time when you can do other things, such as eating, sleeping, working out, reading. Though you can do all those things while lining up (working out? Hell yeah! Try standing on one foot), you have to be mindful of some people who try to sneak their way ahead of you.

With traditional banking, there's no need not to worry about sneaky people (I think they are more behave inside banks), however, I always need to fall in line (paydays are hell!) Sometimes, I have to sacrifice my lunchtime since that's the only free time that I have (closing time for most banks is 5 pm, except for BDO branches which have an extended time until 6pm.) In some cases, there are fewer tellers during lunch, which adds to longer waiting time. And for security reasons, you can't use your cellphone, even if all you want to do is to play Temple Run to pass time.

Hence, I fell in love with online banking.

Gym at Home? Why not?

Don't get me wrong. I love working out. The happiness I feel after sweating it out is exhilarating. As if I can kick anyone's ass any time, any day.

But I hate going to the gym.

The Beginning

Cliché as it may seems, I want to document my so-called “road to financial fitness.” I'm not so sure when did this realization began, but one day I just wake up and realize that I am not getting any younger (another cliché) and that I need to take control of my finances. I mean, who will manage it except for me? (Though, yeah, I could hire a financial planner, but it’s a shame since I’m an accountant and I really am capable of handling this on my own, thank-you-very-much.)

I was not born rich, but my parents worked hard (and still working) to give us a good life. I’m not saying that we are now rich. No. But this is way better than twenty years ago.