How to read your APC credit report and what to do if it looks bad
Plenty of people in Panama know their APC record looks bad, but have never seen the report. You cannot fix what you have not looked at.
Read →Budgeting, debt, habits and money mindset. Practical articles to stop running your money on autopilot.
Budgeting, debt and habits. No promises of getting rich. Only when I write something worth your time.
Plenty of people in Panama know their APC record looks bad, but have never seen the report. You cannot fix what you have not looked at.
Read →Three times a year a payment lands and three times a year it disappears. It is not a discipline problem: the money arrived without a job assigned to it.
Read →People message me asking if I invest their money. I do not. Here is the difference between a financial coach, an advisor and a bank officer, and how to know which one you need.
Read →Individually they look insignificant. Together they are the reason you earn more and still never see the money. How to find them without becoming miserable.
Read →Waiting to earn more before paying off debt is the most expensive trap there is. You get out with order, with criteria, and by closing the entry door.
Read →Most budgets do not fail from lack of discipline. They fail because they were designed for a life that is not yours. Here is how to build one you can sustain.
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