Mommy Money Matters: Investing for the Future

When I opened my email this morning, I nearly fell off the edge of my seat when I got an email from Human Resources.  No, it’s not because they caught me smooching with a deliciously handsome Middle School teacher inside the elevator.  It’s because they’re honoring me at the school’s year-end program for my five years of service.  I can hardly believe it!  Have I been working in this institution for that long now?

And then it hit me.  Two realizations, actually.  First, although I believe that I’m still hot and foxy at this age, the fact is, I’m not getting any younger.  Second, I do have some amount of money saved up in the bank, but it’s just sitting there idly.  I got to thinking that I should start putting my funds management skills to good use and invest my hard-earned money in something worthwhile.

But, where and how do I begin?  Initially, I guess it helps to identify my specific goals.  Are they short term, or for the long haul?  Mine would have to be medium term, as my priority right now is to save up for my daughter’s education.

Alongside that, I’d also want to bring to the forefront my goals at philanthropy.  I have to admit that I may be a bit of a tightwad, but I do have a soft spot for those in need.  I want to give back and pay it forward.

With the plethora of investment options out there, I am nothing short of overwhelmed.  There are mutual funds, treasury bills, etc.  It’s good to note that there are resources online which can help those of us who know nothing about these things.  I stumbled upon and found their site to be informative and helpful.  They offer sound advice when it comes to making investments.

There’s always an element of risk involved with any financial venture,  but with careful planning and studying, I should be fine.  I’m willing to take that risk, anyway, so here I go…

How about you?  What investment options are you considering?

About Pepper

I am a single working mom, trying to raise my kid the best way I know how. Join me as I navigate my way through the jungle that is Single Mom-hood, armed with rose-colored glasses and strength of spirit. As pepper adds spice to food, so does my daughter add spice to my life. She makes life no less than…PEPPERRIFIC!

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  1. We don’t have a ton to invest, but we have a cd and savings account for our boys.

  2. congrats to you!!! good for you too!!
    we tithe faithfully…I believe that is how we can afford our kids education….God gives it back.

    • You’re right about tithing. It does come back to you a hundredfold, doesn’t it? I should do that too…

  3. Our only investment right now is my husband’s 401k – and we pay down our mortgage extra if we have the money available.

  4. You always make me smile and laugh! Investing is something I need to think about also. Loved the kissing the teacher line.

  5. I love that you still smooch in the elevator!

  6. I used to be more interested in investing when I had the time for it. Now it seems to be a very low priority on my to-do list. I’ve been meaning to change my super allocation for years and I never get to it. But I do try to save 10% of my income every month (no matter how meager it is, it still adds up in the end), it is earning reasonable interest, but I guess it could be earning more if I found the time and desire to research my investment options properly…

  7. Pinay Ako says

    I invest P1000 per month for my daughter via BDO’s EIP (Easy Investment Plan). I started in 2008 contributing P1000 per month. Value now is P80k, principal is only P52K. NOt bad diba?

  8. Samantha Bangayan says

    I’m in the exact same situation, Pepper! I often realize my little savings are just sitting there and doing nothing, but then I don’t do anything about it. I should meet with a financial advisor. =P

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