Angelica Carlos

Building financial freedom through strategic planning and upskilling

Being financially healthy means having an emergency fund that can cover 6-12 months of expenses, being mindful of spending habits, and living within my means. It involves being aware of my current financial situation, sticking to a budget, and having freedom from worrying about unexpected expenses. I'm motivated by the freedom and flexibility to do what I want, when I want, without worrying about money—the ability to purchase convenience and comfort without sacrificing savings or incurring unnecessary debt.

"We suffer more often in imagination than in reality."

— Seneca

This Stoic wisdom guides my financial journey. Many of our money worries are worse in our minds than in reality. Building emergency funds and having a solid plan eliminates imagined fears and lets me focus on what I can control—my skills, my income, and my future.

Personal Philosophy

What does being financially healthy mean to you?

Being financially healthy means having an emergency fund that can cover 6-12 months of expenses. It means being mindful of my spending habits and living within my means. It also involves being aware of my current financial situation, sticking to a budget, and having freedom from worrying about unexpected expenses. Additionally, it means being adequately insured to protect myself and my assets in case of unexpected events. Lastly, investing in oneself for unforgettable returns, whether it be education, skill development, or any other form of self-improvement, is an important aspect of achieving financial health.

What motivates your work in financial health?

The freedom and flexibility to do what I want, when I want, without worrying about money motivates me to become financially healthy. The ability to purchase convenience and comfort without sacrificing my savings or incurring unnecessary debt. The peace of mind that comes from knowing that I am in charge of my financial situation and am not at the mercy of unexpected expenses or emergencies. I want financial security and stability so that I can enjoy the present while planning for the future. Being financially healthy provides a sense of empowerment and independence.

Current Goal

Increase my income. With increasing inflation, I realize that there will be a time when even if you cut down expenses, you may not be able to have more savings due to inflation. I have decided to focus on increasing my income by upskilling—taking courses or attending workshops to improve my qualifications so that I can demand a higher salary. Additionally, I am exploring other streams of income such as starting a side hustle which can provide me with additional sources of income.

Angelica Carlos

What does being financially healthy mean to you?

What motivates your work in financial health?

Join the movement for financial health equity.

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