When I initially joined the Financial Mentoring Programme, my primary goal was to pay off my debts and send the remaining portion of my salary to my family back home for the upcoming year.

However, throughout the three-month mentorship, my goals have expanded and become more comprehensive. I now strive to change my spending habits, saving more each month, creating a detailed monthly budget, and establishing an emergency fund.

Having completed the 3-month Enrich Financial Mentoring Programme, I began setting clear financial goals for myself. These included saving enough for retirement, purchasing my dream house, and starting a small grocery store in the Philippines. I quickly realised the need to change my spending habits, define savings targets, create a weekly budget, and avoid loans and debts to achieve these goals.

Originally from Baguio City, I spent a decade in Hong Kong before relocating to Canada. I lived a carefree life for three years in Hong Kong until I received an advice to learn about investment from someone. Through the Enrich mentoring program, I discovered my interest in investing, particularly in mutual funds. Having a knowledgeable mentor has been instrumental in my learning journey.

One of the most valuable things I learned from my mentor, Sir Davin, at the programme was that it’s never too late to start managing finances. What matters most is to save consistently.

我最喜歡《小王子》作者安東尼·聖· 修伯里 (Antoine de Saint-Exupery)的一句話是「沒有計劃的目標只是一個願望」。這概括了我從Enrich的12 週財務指導計劃的所學。

通過這個計劃，知識淵博、經驗豐富的導師 Humberto Fernandes 先生令我了解設定財務目標的基礎，讓我可以計劃將來我回到菲律賓開辦小吃和蛋糕店的業務。

Humberto先生教懂了我自律、制定行動計劃和專注於目標的重要性。我還學到了一些關於股票、公司債券、投資和金融界其他領域的知識。