All About Kwarta

 My portfolio stands at 26%. The index is stuck at 4% YTD. Stretching as far back as 3 years, I somehow managed to constantly beat the index. Huh.

I have previously talked in detail about my splurges and struggle using the plastic cards . It was one of the dark moment of my working life. Thankfully, it belongs to the past now but nevertheless left some valuable lessons that let me see money in a different perspective. Fast forward to the present. I was able to fix and rebuilt my credit history. Although I don't know my credit score (i.e there is no publicly available credit score system in the Philippines), I'm pretty confident I regained the trust of the major banks. I recently received a Mastercard from BDO bringing the total to 5. Three of which came from Citibank. You'd probably wonder why so many. Nothing profound really. It started with a single Citibank Mercury card. It partly subsidized my gym membership and received discounts on my teeth cleaning and rebates on my Mercury purchases. Then BPI called informing me that I was pre-qualified for an Amore card . I used it to defer paying my postpaid phone

My portfolio surge by more than 8% against the PSE Index of a little more than 2%. Oh, it's good to be back!