Tita Raketera

Tita Raketera I am on a mission to help young professionals MAKE money, SAVE money, and GROW money better. Licensed Sun Life Advisor.

My posts only reflect my personal views and opinions.

One small habit I restarted recently: ๐’˜๐’“๐’Š๐’•๐’Š๐’๐’ˆ ๐’‚ ๐’ˆ๐’“๐’‚๐’•๐’Š๐’•๐’–๐’…๐’† ๐’๐’Š๐’”๐’• ๐’†๐’—๐’†๐’“๐’š ๐’…๐’‚๐’š.Part of my 75 Soft challenge is daily journalin...
12/03/2026

One small habit I restarted recently: ๐’˜๐’“๐’Š๐’•๐’Š๐’๐’ˆ ๐’‚ ๐’ˆ๐’“๐’‚๐’•๐’Š๐’•๐’–๐’…๐’† ๐’๐’Š๐’”๐’• ๐’†๐’—๐’†๐’“๐’š ๐’…๐’‚๐’š.

Part of my 75 Soft challenge is daily journaling, and one of the things I do is write at least 10 things Iโ€™m grateful for.

Some days, itโ€™s big things.
Some days, itโ€™s simple ones like good coffee, a beautiful day, or a random kind message from a friend.

Nakakatuwa lang because the more I look for things to be grateful for, the more I notice them.

And somehow the day just feelsโ€ฆ lighter.

โ€œ๐‘Šโ„Ž๐‘’๐‘› ๐‘ฆ๐‘œ๐‘ข ๐‘“๐‘œ๐‘๐‘ข๐‘  ๐‘œ๐‘› ๐‘”๐‘Ÿ๐‘Ž๐‘ก๐‘–๐‘ก๐‘ข๐‘‘๐‘’, ๐‘๐‘œ๐‘ ๐‘–๐‘ก๐‘–๐‘ฃ๐‘’ ๐‘กโ„Ž๐‘–๐‘›๐‘”๐‘  ๐‘“๐‘™๐‘œ๐‘ค ๐‘–๐‘› ๐‘š๐‘œ๐‘Ÿ๐‘’ ๐‘Ÿ๐‘’๐‘Ž๐‘‘๐‘–๐‘™๐‘ฆ, ๐‘š๐‘Ž๐‘˜๐‘–๐‘›๐‘” ๐‘ฆ๐‘œ๐‘ข ๐‘’๐‘ฃ๐‘’๐‘› ๐‘š๐‘œ๐‘Ÿ๐‘’ ๐‘”๐‘Ÿ๐‘Ž๐‘ก๐‘’๐‘“๐‘ข๐‘™.โ€
โ€” Lissa Rankin

Do you keep a gratitude journal?
It's a good daily practice to remind yourself of the gifts, grace, benefits, and good things you get to enjoy. ๐Ÿค

This photo was taken in my early 20s... Nasa barko, on my way home from Cebu. Taking a quick break from my first job. Fe...
11/03/2026

This photo was taken in my early 20s... Nasa barko, on my way home from Cebu. Taking a quick break from my first job. Feeling like I had my whole life ahead of me. ๐Ÿ˜Œ

This girl enjoyed working and making money. I also liked spending money. ๐Ÿ˜… But I also wanted to be financially stable someday... You know, have passive income, and maybe have money coming in even if I wasnโ€™t working as much.

So whenever there was an opportunity to invest, I would take it. Kumbaga, "invest now, figure it out later," because after all, time is on my side. Hehe

What I didnโ€™t realize then was that ๐’•๐’‰๐’† ๐’๐’“๐’…๐’†๐’“ ๐’๐’‡ ๐’Ž๐’š ๐’‡๐’Š๐’๐’‚๐’๐’„๐’Š๐’‚๐’ ๐’…๐’†๐’„๐’Š๐’”๐’Š๐’๐’๐’” ๐’˜๐’๐’–๐’๐’… ๐’Ž๐’‚๐’•๐’•๐’†๐’“ ๐’‚ ๐’๐’๐’• ๐’๐’‚๐’•๐’†๐’“ ๐’๐’.

For context, this was roughly my timeline:
๐Ÿ‘‰ First corporate job at 21 years old
๐Ÿ‘‰ Started freelancing at 25
๐Ÿ‘‰ Started investing in stocks (stock market and mutual funds) at 27
๐Ÿ‘‰ Got my first insurance policy at 28
๐Ÿ‘‰ Applied for my first home loan at 30
๐Ÿ‘‰ Built my emergency fund at 32-ish
๐Ÿ‘‰ Finally got health insurance at 36

See the problem? ๐Ÿ˜…

My ๐’”๐’‚๐’‡๐’†๐’•๐’š ๐’๐’†๐’•๐’” ๐’„๐’‚๐’Ž๐’† ๐’๐’‚๐’”๐’•. Baliktad pala.

Now that Iโ€™m in my 40s (and a little wiser), I realized something:

If I had started my health insurance as soon as I started working, I could have finished paying for it by now. Instead, because I started later, Iโ€™ll still be paying until my mid-50s.

Swipe the graphic to see how much earlier I couldโ€™ve finished paying if I started younger.
Timing really matters.

If I could redo the order, it would be:
1๏ธโƒฃ Emergency fund
2๏ธโƒฃ Health insurance + HMO
3๏ธโƒฃ Life insurance
4๏ธโƒฃ Investments

๐๐ซ๐จ๐ญ๐ž๐œ๐ญ๐ข๐จ๐ง ๐Ÿ๐ข๐ซ๐ฌ๐ญ. ๐†๐ซ๐จ๐ฐ๐ญ๐ก ๐ฅ๐š๐ญ๐ž๐ซ.

Anywayโ€ฆ sharing this in case someone here is still in their 20s or early 30s and figuring things out.

๐’๐š๐ฏ๐ž ๐ญ๐ก๐ข๐ฌ ๐š๐ฌ ๐š ๐ซ๐ž๐ฆ๐ข๐ง๐๐ž๐ซ: ๐ญ๐ก๐ž ๐จ๐ซ๐๐ž๐ซ ๐ฆ๐š๐ญ๐ญ๐ž๐ซ๐ฌ.

Next time kwento ko naman how I got scammed as a newbie freelancer. ๐Ÿ˜‚

Sharing again these 5 money reminders that helped me stop feeling guilty, overwhelmed, or โ€œbehindโ€ with my finances.No p...
10/03/2026

Sharing again these 5 money reminders that helped me stop feeling guilty, overwhelmed, or โ€œbehindโ€ with my finances.

No pressure. No perfect formulas.

Just a few mindset shifts that honestly changed how I approach money (and adulting in general).

๐Ÿ‘‰ Swipe through. Baka may isang line na tatama saโ€™yo today.

Save it, share it, or come back to it when you need a little reminder. ๐Ÿ™‚

Curious though: Which reminder hits you the most?

Apparently, adulting includes disappearing from your own content calendar. ๐Ÿ˜… My last post here was February 4 pa. Which ...
09/03/2026

Apparently, adulting includes disappearing from your own content calendar. ๐Ÿ˜…

My last post here was February 4 pa. Which means yesโ€ฆ your resident Tita Raketera also ghosts her own page sometimes.

Life happened; work happened; and honestlyโ€ฆ a bit of overthinking and perfectionism also happened. Call it birthday blues or whatever...

But the same advice I always give when it comes to money, goals, or life in general:
๐ป๐‘–๐‘›๐‘‘๐‘– ๐‘˜๐‘Ž๐‘–๐‘™๐‘Ž๐‘›๐‘”๐‘Ž๐‘› ๐‘›๐‘” ๐‘‘๐‘Ÿ๐‘Ž๐‘š๐‘Ž๐‘ก๐‘–๐‘ ๐‘Ÿ๐‘’๐‘ ๐‘’๐‘ก.

Sometimes you justโ€ฆ ๐’”๐’•๐’‚๐’“๐’• ๐’‚๐’ˆ๐’‚๐’Š๐’.

So *๐‘Žโ„Ž๐‘’๐‘š* hello ulit. ๐Ÿ‘‹

Back to sharing things about:
โœ” money
โœ” adulting
โœ” side hustles
โœ” systems that make life slightly less cluttered

If you're also in your โ€œtrying to get my life togetherโ€ era, welcome. Same. ๐Ÿ˜…

P.S. Yes, this is not a very recent travel photo. Iโ€™m still awkward taking solo pictures. Hehe Baby steps in content creation. ๐Ÿ˜‚

Alsoโ€ฆ kumusta kayo? May phase din ba kayo this year na nawawala sa social media? ๐Ÿ˜…

๐“๐จ๐ฉ ๐€๐๐ฏ๐ข๐ฌ๐จ๐ซ ๐จ๐Ÿ ๐ญ๐ก๐ž ๐ƒ๐š๐ฒ โœจ๐‡๐ž๐ซ๐จ ๐จ๐Ÿ ๐ญ๐ก๐ž ๐ƒ๐š๐ฒ โœจHindi man ako palaging nagpo-post about financial literacy latelyโ€ฆ but I never ...
04/02/2026

๐“๐จ๐ฉ ๐€๐๐ฏ๐ข๐ฌ๐จ๐ซ ๐จ๐Ÿ ๐ญ๐ก๐ž ๐ƒ๐š๐ฒ โœจ
๐‡๐ž๐ซ๐จ ๐จ๐Ÿ ๐ญ๐ก๐ž ๐ƒ๐š๐ฒ โœจ

Hindi man ako palaging nagpo-post about financial literacy latelyโ€ฆ but I never stopped serving. ๐Ÿซถ

Yes po, opo. Sun Life insurance advisor pa rin po โ€” quietly doing the work.

Grateful to God, to my clients for the trust, and to my fellow advisors for the support and shared purpose. ๐Ÿ™๐Ÿ™

A little more fired up now to share stories, lessons, and personal finance real talk again. Hehe

And just like that, February na! ๐Ÿ˜ฎ Our trial period for 2026 is done. The "๐˜ฏ๐˜ฆ๐˜ธ ๐˜บ๐˜ฆ๐˜ข๐˜ณ, ๐˜ฏ๐˜ฆ๐˜ธ ๐˜ฎ๐˜ฆ" officially begins. Haha!So ...
01/02/2026

And just like that, February na! ๐Ÿ˜ฎ Our trial period for 2026 is done. The "๐˜ฏ๐˜ฆ๐˜ธ ๐˜บ๐˜ฆ๐˜ข๐˜ณ, ๐˜ฏ๐˜ฆ๐˜ธ ๐˜ฎ๐˜ฆ" officially begins. Haha!

So ayun. I have reflected and set new goals, I did the math, and I'm ready to thrive in 2026. Time to do the work!

---
๐Ÿ‘‰ ๐—›๐—ผ๐˜„ ๐˜๐—ผ ๐˜€๐—ฒ๐˜ ๐—ฆ๐— ๐—”๐—ฅ๐—ง๐—˜๐—ฅ ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—ด๐—ผ๐—ฎ๐—น๐˜€:
https://lovettejam.com/how-to-set-smarter-financial-goals/

๐Ÿ‘‰ ๐—ฃ๐—ฟ๐—ถ๐—ป๐˜๐—ฎ๐—ฏ๐—น๐—ฒ ๐—™๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—ฃ๐—น๐—ฎ๐—ป๐—ป๐—ฒ๐—ฟ:
https://happylifemap.gumroad.com/

๐–๐จ๐ซ๐ ๐จ๐Ÿ ๐ญ๐ก๐ž ๐˜๐ž๐š๐ซ ๐Ÿ๐จ๐ซ ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ”: ๐๐„๐‚๐Ž๐Œ๐„Iโ€™ve used a โ€œword of the yearโ€ since 2018 as a simple anchor for my decisions and habit...
01/01/2026

๐–๐จ๐ซ๐ ๐จ๐Ÿ ๐ญ๐ก๐ž ๐˜๐ž๐š๐ซ ๐Ÿ๐จ๐ซ ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ”: ๐๐„๐‚๐Ž๐Œ๐„

Iโ€™ve used a โ€œword of the yearโ€ since 2018 as a simple anchor for my decisions and habits.
For 2026, that word is ๐๐„๐‚๐Ž๐Œ๐„.

After a year of ๐„๐—๐๐€๐๐ƒ, this year is about ๐‘๐‘’๐‘๐‘œ๐‘š๐‘–๐‘›๐‘”.

Not hustling harder.
Not adding more goals.
But becoming more consistent, grounded, and intentional.

Becoming the kind of person who:
๐Ÿงก finishes what she starts
๐Ÿงก follows through even when itโ€™s boring
๐Ÿงก builds habits, not just big plans

2025 stretched me.
2026 is about making things stick.

Simple. Quiet. Sustainable.

Curious ako. Whatโ€™s your word for the year?

โœจ ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ“ ๐ข๐ง ๐‘๐ž๐Ÿ๐ฅ๐ž๐œ๐ญ๐ข๐จ๐ง: ๐„๐ฑ๐ฉ๐š๐ง๐ฌ๐ข๐จ๐ง, ๐€๐ฅ๐ข๐ ๐ง๐ฆ๐ž๐ง๐ญ, ๐๐ž๐œ๐จ๐ฆ๐ข๐ง๐  โœจPart 2 โ€” The Year of EXPANDStill in reflective mode tonight. But t...
30/12/2025

โœจ ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ“ ๐ข๐ง ๐‘๐ž๐Ÿ๐ฅ๐ž๐œ๐ญ๐ข๐จ๐ง: ๐„๐ฑ๐ฉ๐š๐ง๐ฌ๐ข๐จ๐ง, ๐€๐ฅ๐ข๐ ๐ง๐ฆ๐ž๐ง๐ญ, ๐๐ž๐œ๐จ๐ฆ๐ข๐ง๐  โœจ
Part 2 โ€” The Year of EXPAND

Still in reflective mode tonight. But this time, Iโ€™m gathering my year in words and lists. ๐Ÿ˜

Looking back, I realized something: none of my โ€œword of the yearโ€ were random. Every year prepared me for this one.

๐–๐จ๐ซ๐๐ฌ ๐“๐ก๐š๐ญ ๐๐ฎ๐ข๐ฅ๐ญ ๐“๐ก๐ข๐ฌ ๐˜๐ž๐š๐ซ
YES (2018) โ†’ LIVE (2019) โ†’ FOCUS (2020)
COURAGE (2021) โ†’ THRIVE (2022)
GRATITUDE (2023) โ†’ LOVE (2024)
EXPAND (2025)

All those years werenโ€™t just seasons. They were foundations.
Openness โ†’ Heart โ†’ Clarity โ†’ Courage โ†’ Resilience โ†’ Gratitude โ†’ Expansion.

2025 was the year everything aligned outward.

๐‡๐ข๐ ๐ก๐ฅ๐ข๐ ๐ก๐ญ๐ฌ ๐จ๐Ÿ ๐ฆ๐ฒ ๐˜๐ž๐š๐ซ ๐จ๐Ÿ ๐„๐—๐๐€๐๐ƒ
โœ…๏ธ First solo international trip, Taiwan!
โœ…๏ธ I showed up more. Met new faces, developed deeper friendships
โœ…๏ธ Go Negosyo Mentor experience. shared, learned & grew with entrepreneurs
โœ…๏ธ Tested ideas. Made digital products + small NFC venture
โœ…๏ธ More self-care. Realized inner peace as productivity
โœ…๏ธ More family time. Memories over metrics, always.

๐†๐ซ๐š๐ญ๐ž๐Ÿ๐ฎ๐ฅ ๐…๐จ๐ซ
๐Ÿซถ People who held space for me โ€” old ties & new ones
๐Ÿซถ The moments I said yes kahit hindi ready
๐Ÿซถ The resets that taught me: rest โ‰  failure

๐‚๐ก๐š๐ฅ๐ฅ๐ž๐ง๐ ๐ž๐ฌ & ๐‹๐ž๐ฌ๐ฌ๐จ๐ง๐ฌ
โœจ๏ธGrowth isnโ€™t always loud. minsan quiet, minsan steady
โœจ๏ธConsistency isnโ€™t perfection. Itโ€™s coming back again and again
โœจ๏ธ Expansion required courage, discipline, and visibility.

๐ˆ๐ง๐ญ๐ž๐ง๐ญ๐ข๐จ๐ง๐ฌ ๐Ÿ๐จ๐ซ ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ”: ๐ญ๐ก๐ž ๐˜๐ž๐š๐ซ ๐จ๐Ÿ ๐๐„๐‚๐Ž๐Œ๐„
If 2025 was about expanding my world and capacity,
2026 will be about becoming โ€” fully, intentionally, consistently.

Not just doing more, but being more:
grounded
disciplined
present
aligned
confident
consistent

In 2025: I stretched. I expanded.
In 2026: I become who Iโ€™ve been preparing to be.

___
Thank you, 2025. ๐Ÿ™โœจ๏ธ
You expanded me in ways I asked for and in ways I didnโ€™t know I needed.
Iโ€™m carrying your lessons forward as I step into 2026โ€ฆ becoming.

โœจ ๐ˆ๐ง ๐‘๐ž๐Ÿ๐ฅ๐ž๐œ๐ญ๐ข๐ฏ๐ž ๐Œ๐จ๐๐ž:  ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ“, ๐ญ๐ก๐ž ๐˜๐ž๐š๐ซ ๐จ๐Ÿ ๐„๐—๐๐€๐๐ƒ โœจThe last few days of the year always put me in a quiet headspace. Medyo...
29/12/2025

โœจ ๐ˆ๐ง ๐‘๐ž๐Ÿ๐ฅ๐ž๐œ๐ญ๐ข๐ฏ๐ž ๐Œ๐จ๐๐ž: ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ“, ๐ญ๐ก๐ž ๐˜๐ž๐š๐ซ ๐จ๐Ÿ ๐„๐—๐๐€๐๐ƒ โœจ

The last few days of the year always put me in a quiet headspace. Medyo reflective mode, looking back at what stretched me this year, what surprised me, what Iโ€™m grateful for, and where I want to go next.

2025 was my year of ๐„๐—๐๐€๐๐ƒ โ€” in business, relationships, mindset, and presence. I didnโ€™t always feel ready (actually, madalas hindi ๐Ÿ˜…), but I showed up anyway. I tried new things, met new people, learned new skills, and opened doors I used to just walk past. I gave myself permission to explore, to reset when needed, and to be seen a little more than before.

I expanded through ๐’˜๐’๐’“๐’Œ โ€” from content and consulting, to Sun Life milestones, to building digital products, to testing a small product venture with NFC cards and keychains. And I also expanded through ๐’˜๐’‰๐’ ๐‘ฐ ๐’”๐’‘๐’†๐’๐’• ๐’•๐’Š๐’Ž๐’† ๐’˜๐’Š๐’•๐’‰ โ€” friendships old and new, family time I truly cherished, communities where I felt connected and safe to grow.

Pero yung pinaka-malaking expansion happened internally: trusting my voice more, acting before perfection, taking up space with intention, and learning that growth doesnโ€™t always look loud. Sometimes itโ€™s quiet, grounded, and steady.

As the year winds down, Iโ€™m now shifting my focus inward. If 2025 was about ๐ž๐ฑ๐ฉ๐š๐ง๐๐ข๐ง๐ , ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ” ๐Ÿ๐ž๐ž๐ฅ๐ฌ ๐ฅ๐ข๐ค๐ž ๐ญ๐ก๐ž ๐ฒ๐ž๐š๐ซ ๐ญ๐จ ๐’ƒ๐’†๐’„๐’๐’Ž๐’†: ๐ญ๐จ ๐ž๐ฆ๐›๐จ๐๐ฒ ๐ฐ๐ก๐š๐ญ ๐ˆโ€™๐ฏ๐ž ๐›๐ž๐ž๐ง ๐›๐ฎ๐ข๐ฅ๐๐ข๐ง๐ , ๐ฌ๐ฅ๐จ๐ฐ๐ฅ๐ฒ ๐š๐ง๐ ๐ข๐ง๐ญ๐ž๐ง๐ญ๐ข๐จ๐ง๐š๐ฅ๐ฅ๐ฒ. Not just adding more, but becoming more aligned, consistent, grounded.

Iโ€™m sharing this as a reminder: ๐‘ฎ๐’“๐’๐’˜๐’•๐’‰ ๐’…๐’๐’†๐’”๐’โ€™๐’• ๐’‚๐’๐’˜๐’‚๐’š๐’” ๐’Ž๐’†๐’‚๐’ ๐’ƒ๐’Š๐’ˆ ๐’˜๐’Š๐’๐’” ๐’๐’“ ๐’…๐’“๐’‚๐’Ž๐’‚๐’•๐’Š๐’„ ๐’„๐’‰๐’‚๐’๐’ˆ๐’†๐’”.

Minsan, growth is simply ๐‘ โ„Ž๐‘œ๐‘ค๐‘–๐‘›๐‘” ๐‘ข๐‘ ๐‘Ž๐‘”๐‘Ž๐‘–๐‘›,
๐‘Ÿ๐‘’๐‘ ๐‘ก๐‘–๐‘›๐‘” ๐‘คโ„Ž๐‘’๐‘› ๐‘›๐‘’๐‘’๐‘‘๐‘’๐‘‘,
๐‘ก๐‘Ž๐‘˜๐‘–๐‘›๐‘” ๐‘ ๐‘š๐‘Ž๐‘™๐‘™ ๐‘๐‘œ๐‘™๐‘‘ ๐‘ ๐‘ก๐‘’๐‘๐‘ ,
and ๐‘›๐‘œ๐‘ก๐‘–๐‘๐‘–๐‘›๐‘” โ„Ž๐‘œ๐‘ค ๐‘“๐‘Ž๐‘Ÿ ๐‘ฆ๐‘œ๐‘ขโ€™๐‘ฃ๐‘’ ๐‘๐‘œ๐‘š๐‘’ ๐‘˜๐‘Žโ„Ž๐‘–๐‘ก โ„Ž๐‘–๐‘›๐‘‘๐‘– ๐‘๐‘Ž ๐‘๐‘’๐‘Ÿ๐‘“๐‘’๐‘๐‘ก.

If you find yourself in the same reflective mood, I hope you give yourself space to notice how youโ€™ve expanded too. ๐Ÿ’›

Ayun na nga! Itโ€™s THAT time of the year... when the app knows our gastos better than we do. ๐ŸซฃReminder lang: you canโ€™t im...
18/12/2025

Ayun na nga! Itโ€™s THAT time of the year... when the app knows our gastos better than we do. ๐Ÿซฃ

Reminder lang: you canโ€™t improve what you donโ€™t review. โค๏ธโœจ๏ธ

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