All About Kwarta

Six years ago, at the end of this same month, I got around 10k in net worth. I think I was in the last few months of paying up my reconstructed debt. For several months after, I despised lingering debts. That explains the minimal red stripes in the months immediately after I got my certificate of full payment from the banks. But then I learned how to take a debt responsively and manage them to work to my advantage. The magic word is "leverage". I never got out of debt thereafter as you may have noticed in the graph. In reality, it is more than what I booked above. But it's a personal choice to book a debt when it's due. I suck at accounting but to me, it makes perfect sense. Besides, I do not book an apparent income until I got it. Also, I do not book physical assets. Those green stripes are all liquid, semi-liquid and receivables (due for the month). What you don't see is the ugly picture to the left of that. Have I started documenting my finances earl

Change is coming. If everything goes according to plan, I may be changing time zone and currency some time soon. This is a welcome change and almost unexpected. I just posted my credentials somewhere and I've been getting calls constantly. One call stood out when I learned that my particular skill was needed abroad. Several meet ups and interviews ensued. It seems it was all going well. I guess I have to start drafting my resignation letter then.

Identity Theft - probably one of the words we take for granted but dreaded the most when it finally happen to ourselves. To me, it manifested one fateful morning when I woke up to a text message from Citibank that my card was blocked because someone used my credit card a few hours prior. The damage amounted to 2 successful transactions of $3175 each. For a split-second, a smorgasbord of emotions swept over me. There was much confusion - with my half-sleep mind trying to process the stimulus at hand. There was self-doubt - retracing all my activities a few days leading to this day where I could have possibly exposed my financial credentials. There was genuine fear - the uncertainty on what was the extent of the breach. The fear for the worst - that I will be forced to pay the 6350 in US Dollars (roughly 300,000 in Philippine pesos). And that's not including the legal fees when I choose to fight against the behemoth - that is Citi. And lastly there's rage. Angry at th