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Filipinos tend to misuse the term “investment.” They unconsciously convince themselves that they need to buy the latest iPhone, Galaxy Tab, or any gadget, without realizing that these products eventually depreciate through the years with constant use.

While spoiling yourself from time to time isn’t a bad thing, not managing your spending habits or simply buying the wrong things will significantly impact your long term financial stability. An investment that loses you money isn’t an investment, but a liability. If you want to take steps towards financial wellness, then you have to acquire things that will increase in value over time

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