Ginelle Sequitin

Why I happily pay for “expensive” things on vacation 🤫💸

Hot take: Hindi naman kailangang laging budget travel. 😅 Welcome back to another episode ng aking Solo Living Not a Budget series! This time, dinala ko kayo sa Port Barton, Palawan. 🌊

Let’s be real, minsan kasi you’re paying for the convenience and the experience, hindi lang ‘yung mismong place. After weeks of non-stop work and planning, I really took the time to just slow down and enjoy. 🩷

What a purge for my wallet! 😂 But all is well. Money comes back, but these memories don’t. 🫶🏻

Kayo ba? What’s that ONE thing na hinding-hindi niyo titipirin tuwing nagta-travel kayo? Comment down below! 👇✨

Your payroll account was made for convenience.
But that doesn’t always mean your money is growing there too. 🫠

As someone solo living in Makati, I had to learn that financial wellness isn’t just about earning more — it’s also about being intentional with where my money stays.

That’s why I’ve been exploring ways to make my savings work smarter, not harder. I like that with GSave on GCash, it’s simple, accessible, and easy to integrate into everyday life without extra hassle.

Small money habits eventually shape your future self too. 🫶🏻

Day 2 of getting my momentum back! I really feel I am God’s favored daughter waaah He’ll really take me to places that will remind me of who I am and what I am blessed to have.

Always Divinely protected and guided! Sharing with you my take away and what happened todaay💜

I got a viral infection after my Cebu, Bohol, Batangas, Laguna, and Cavite run 🙆🏻‍♀️

After two weeks of non-stop travel, I took the time to slow down and rest for a week. Unfortunately, my immune system still couldn’t keep up and nahawa pa rin tayo🤣

Almost two weeks into recovery, my acid reflux came back. The antibiotics affected my stomach, so aside from being sick, I was also dealing with low energy, poor sleep and a lack of appetite.

What a purge! 😂 But all is well.

I’m scheduled for a blood chem tests so I can figure out what’s going on and address whatever my body needs right now.

For now, I’m sharing what I’ll be doing to get back on track and rebuild my momentum. If you’re going through something similar, know that you’re not alone. It’s part of life🧘🏻‍♀️🤷🏻‍♀️🙆🏻‍♀️

Hope this video helps!

One of the best summer activity I had! Sharing my 4days 3nights Tennis Retreat at Mithi Resort & Spa with Open Play & Away ✨

Grateful to Jules Veloso and Waldo Bernardo for creating this community!!

Buying a condo? Here’s what your broker will never tell you.

Aside from the monthly payment, you also need to check how much your final amortization will be once the property is financed through a bank. - so assuming mag finance ka under a bank ah, usual naman to.

There are processing fees (pay upon approval of loan), Mortgage Redemption Insurance (MRI), and fire insurance.

Upon turnover, you’ll also need to pay a one-time turnover fee - dito ako nagulat, walang nagsabi sakin may ganun pala haha then come the monthly association dues (and sometimes, they add other fees on top of that)

Property tax!! As a best in tax country🤸🏻‍♀️

Then there’s maintenance. Usually, developers cover maintenance for a limited period after turnover, but once that ends, you’ll have to shoulder the cost yourself.

Based on my own Excel tracking, my property’s operating expenses (OPEX) are around 3–4% of its market value annually.

So yes, whatever amount your broker is quoting you, that’s not the full picture.

I’m not saying investing in a condo is bad🫶🏻 What I’m saying is that financial stability and proper cash flow management are crucial before committing to one.

Once you sign that contract, it’s a long-term commitment. It’s not something you can easily walk away from and simply get all your money back.

Make sure you’re buying with both excitement and awareness! 🤗

So as a condo owner, I am an advocate of renting especially when you’re starting or you value flexibility in life! Iba pa din yung walang iniisip masyado na long term bayarin 🤣