Gemmy Lontoc, RFP

Sharing my thoughts on saving

Struggling to Save? This Simple Rule Will Change Everything Most people follow a simple budgeting formula: pay bills, cover necessities, and then save whatever is left. But what if that’s the wrong approach? Genesis Kelly Lontoc, a Registered Financial Planner, argues that paying yourself first should be the priority—not an afterthought. “We must pay o...

Sharing my thoughts on shopping

Before You Click ‘Add to Cart,’ Ask Yourself This One Question About Your Finances Online shopping has made buying easier, faster—and more tempting than ever. With just a few taps, you can have almost anything delivered to your doorstep. But if you’re not careful, those “add to cart” moments can slowly drain your wallet. According to Genesis Kelly Lontoc, a Registered Fina...

Sharing my thoughts on online shopping

This Simple Habit Can Help You Save Money and Cut Waste—Even When You Shop Online Every Week Online shopping has become second nature for many Filipinos—especially during and after the pandemic, when mobility restrictions and safety concerns pushed consumers to shift to digital platforms. But while the convenience of e-commerce is undeniable, it also comes with a cost: overspending, waste...

Sharing my thoughts on debt and wealth

How to Leverage Debt for Long-Term Wealth: A Financial Planner’s Insight Debt often gets a bad reputation, but when used strategically, it can be a powerful tool for building wealth and achieving your financial goals. According to Genesis Kelly Lontoc, a Registered Financial Planner, “Debt represents a financial obligation between a lender and a borrower, and understan...

Sharing my thoughts on IPOs

Why Numbers Alone Aren’t Enough: How to Analyze IPOs for Long-Term Success When it comes to investing in an Initial Public Offering (IPO), many investors focus solely on financial numbers—sales growth, profitability, and financial ratios. While these metrics are undeniably important, Genesis Kelly Lontoc, a Registered Financial Planner, argues that numbers alone aren’t...

Sharing my thoughts on PERA

Can PERA Help Filipinos Achieve Financial Freedom? Here’s What You Need to Know In the Philippines, retirement planning remains a challenge for many, with only about 20% of Filipinos aged 60 and above benefiting from government pension schemes like SSS and GSIS. To bridge this gap, Genesis Kelly Lontoc, a Registered Financial Planner, believes the Personal Equity and Retirement

Sharing my thoughts on insurance

How to Protect Your Money With Insurance—And Why You Shouldn’t Skip It Many people see insurance as an extra expense—something they’ll get later when they have more money. But according to Genesis Kelly Lontoc, a Registered Financial Planner, who shared his insights with Financial Adviser PH, skipping insurance is one of the biggest financial mistakes you can make.

Sharing my thoughts on investing

How to Start Investing With Any Budget (Even if You Think You Can’t Afford It) Many people believe that investing is only for the wealthy—something you do once you’ve saved up a large amount of money. But according to Genesis Kelly Lontoc, a Registered Financial Planner, who shared his insights with Financial Adviser PH, this is a myth that keeps people from building real ...

My thoughts on saving money

Struggling to Save? This Simple Rule Will Change Everything Most people follow a simple budgeting formula: pay bills, cover necessities, and then save whatever is left. But what if that’s the wrong approach? Genesis Kelly Lontoc, a Registered Financial Planner, argues that paying yourself first should be the priority—not an afterthought. “We must pay o...

Examining the envelope budgeting system
March 5, 2024

Examining the envelope budgeting system | Genesis Kelly S. Lontoc ONE of the characteristics of a healthy financial life is good budgeting. It is not enough that spending is lower than income. It is not enough that expenses are clearly identified. Spending must also be strategic. A budget translates priorities into effective allocations. A popular budgeting system...

Six ways to manage yuletide spending
BusinessMirror | November 23, 2023

Six ways to manage yuletide spending | Genesis Kelly S. Lontoc THE yuletide season is a joyful season in the Philippines. It is a season of many parties and gifts. A survey conducted by Rakuten Insight in November 2022 reveals that half of the respondents in the Philippines stated that they intended to or had already spent less money on holiday…

Reviewing the debt snowball approach
August 15, 2023

Reviewing the debt snowball approach | Genesis Kelly S. Lontoc A research study conducted by Forrester Consulting in 2021 reveals that 70 percent of Filipino consumers are struggling with debt. This percentage is the highest recorded percentage across citizens of nine countries included in the study. Filipinos need to manage debt well since there are many negat...