Handling Finances in Times of COVID-19 Crisis

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by Sis. Evelyn Ruiz, SAR and Sis. Bang Pacres, SAR

The Secular Augstinian Recollect Fraternity National Committee on Apostolate and Social Concerns organized another online seminar with the topic “Handling Finances in Times of COVID-19 Crisis” with Ms. Admarie G. Marcelo, CPA, MM. Ms. Marcelo is a businesswoman, a co-founder of NovaSolTech Co.,Inc. and Edgelink Institute. She has been into the Education profession, teaching Financial and Accounting Information Systems at Pacific Asia College. At present she is the Treasurer of Tagum Cooperative and continuously provides financial education. 

The speaker started her talk by recognizing the present situation of the country and the whole world. The global pandemic which affected everyone is truly serious and challenging. Every Filipino is adjusting and is trying to embrace the new normal. 

Ms. Marcelo shared that it was her mother who was her first financial mentor and made an impact in her life. When her father lost his job, her mother made a bold decision to quit her teaching profession and started to invest for her children in business. She gratefully recalled that her parents made sure that they were part of the family’s financial journey. They managed to find ways to augment their money. 

Ms. Marcelo, a Financial mentor herself, shared her expertise on how to be financially ready in this time of pandemic or in any crisis that may arise in the future. She emphasized the need to GROW. She said, “It is important to set your Goals, to check the Reality of your situation, to look into Options for growing your finances and Way is ensuring what you do to reach that goal!”

The speaker stressed also that the lack of effort to do budgeting, financial plans, and circumstances may cause an individual to be poor. “It is best to train where one’s money goes. It is better to let money work for you and not the other way,” Ms. Marcelo emphasized. She further pointed that TRYING never achieves consistent results but TRAINING always achieves consistent results! Interestingly, she remarked that money will behave if we tell it what to do!

How then, one should handle his finances in times of Covid-19 Crisis? Consider the following tips!

How to live with money

  • Control. It is important to identify your needs from wants. Live life within your means! Be in control of your finances and not the other way around. 
  • Budget. Before you make any purchases, be sure to make a list so you will not exceed your expenses from your budget. 
  • Shared Discipline. Make sure to involve your family members in the control and budgeting of the family’s finances. They need to be aware of the financial status of the family.  
  • Learn to Bargain. Learn the skill to bargain discounts for a lesser price. The saved amount must be put into savings. 

What to do with your money? 

  • Save. You must save before spending. Set aside an amount for savings from income earned before spending. Be a wise-saver than a big-spender!  
  • Invest. Invest your money and let it work for you by growing. Wise investments will reward future income. Invest in what you are knowledgeable to avoid losses in the end.

How to become financially free?

  • Make sacrifices. A present sacrifice will merit a future reward. Sacrifice now and enjoy later!  
  • Make income as your tool  
  • Saving as your peace  
  • Stay out from debt  
  • Do not be trapped by marketing strategies

This 2021, the speaker encouraged to reset one’s worth. There is a need to learn from the past, to focus on what you can control in the present, and to look forward to what the future may bring.

Components of Budget: 

  • INCOME. It is where all finances come from.  
  • GIVE. Learn to allocate a share for tights, charity or love giving. God love a cheerful giver!  
  • SAVE. Make sure to have a minimum savings from every income earned. Save some for emergency and investment funds.  
  • SPEND. Spend only whatever is left. 

Lastly, the speaker encouraged everyone to invest for good works, family relationships, and friendship with God. And with a smile on her lips, she concluded that surely these things are what truly matters most in life! 

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< 2021 >
November
SMTuWThFS
 1
  • All day
    November 1, 2021

    ALL SAINTS’ DAY

    “The Solemnity of All Saints is ‘our’ feast not because we are good,
    but because the holiness of God touches our lives.” (Pope Francis)

    75th ANNIVERSARY (1946-2021)
    OF JOHN PAUL II’s PRESBYTERAL ORDINATION

    BIRTHDAY
    Sr. Marjorie Palacat, AR
    Br. Reymar Macadagdag (prenov.)
    Bro. Leonardo Axalan, SAR (Provincialate Chapter)
    Sis. Teresita Saraza, SAR (Brooke’s Point Chapter)

2
  • All day
    November 2, 2021

    +ALL SOULS’ DAY

    As we prayerfully remember our beloved dead, we are reminded that eternal life
    is not an unending succession of days, but an immersion of oneself in the ocean of infinite love, in which time, before and after, no longer exists.” (Pope Benedict XVI)

    Note: The customary celebration of the mass on this day at Himlayang Pilipino by the Recoletos Family members in Luzon is canceled.

    BIRTHDAY
    Sis. Zoraida Abrio, SAR (Manila Chapter)
    Sis. Luz Velez, SAR (Tondo Chapter)
    Sis. Jocelyn Lozano, SAR (Talisay Chapter)
    Jovert Jimenez (RAY-Caidiocan)

    DEATH ANNIVERSARY
    +Sis. Corazon Tolentino, SAR (Provincialate Chapter)

3
  • All day
    November 3, 2021

    VI EDUCAR CONGRESS
    November 3-5, 2021
    for more info: www.educarnet.org/6educar

    BIRTHDAY
    Sr. Lolita Esteves, AR
    Sis. Marites Sy, SAR (Baguio Chapter)
    Sis. Estelita Villanueva, SAR (Brooke’s Point Chapter)

    GOLDEN ANNIVERSARY OF SIMPLE PROFESSION (1971-2021)
    Fray Regino Bangcaya

    DEATH ANNIVERSARY
    +Sr. Bernardita Villamor, AR

4
  • All day
    November 4, 2021

    PRAYER INTENTION: FOR OAR VOCATION (cf. LAMP I,5c)

    BIRTHDAY
    Sr. Zenaida Cabanes, AR
    Sr. Ma. Esperanza Mae Valmores, AR
    Bro. Ernesto Neri, SAR (Talisay Chapter)

    DEATH ANNIVERSARY
    +Sis. Arabella Ananoria, SAR (Bacolod Chapter)
    +Sis. Concepcion Rivera, SAR (Cebu Chapter)
    +Sis. Agatha Quillope, SAR (Brooke’s Point Chapter)
    +Sis. Fausta Perez, SAR (Antipolo Chapter)

5
  • All day
    November 5, 2021

    NEGROS DAY / AL CINCO DE NOVIEMBRE

    BIRTHDAY
    Fray Romeo Ben Potencio, Jr.
    Fray Rey Jay Quevedo (simply prof.)
    Andrei John Ea (RAY-Bacolod)

    DEATH ANNIVERSARY
    +Fray Federico de la Rosa (2000-2021)

6
  • All day
    November 6, 2021

    COMMEMORATION OF THE DECEASED MEMBERS OF THE ORDER

    BIRTHDAY
    Sr. Ma. Leoncia Bandal, AR
    Sr. Rona Alaza, AR
    Sr. Liezl Palabrica, AR
    Sis. Nimfa Buenaventura, SAR (Antipolo Chapter)
    Jeaseamaine Genelaso (RAY-Provincialate)

    DEATH ANNIVERSARY
    +SARF members with undetermined date (m/d/y) of death:

    Cavite Chapter:

    +Bro. Rodelio Pacis, SAR
    +Bro. Dominador Magtoto, SAR
    +Sis. Loreta Escalona, SAR
    +Sis. Marie Escobar, SAR
    +Sis. Pilar Fajardo, SAR
    +Sis. Juanita Fernandez, SAR
    +Sis. Rizalina Gomez, SAR
    +Sis. Luz Lareza, SAR
    +Sis. Luz Llamado, SAR
    +Sis. Zenaida Madlangsacay, SAR
    +Sis. Felicidad Magbanua, SAR
    +Sis. Aurelia Magtoto, SAR
    +Sis. Juanita Mercado, SAR
    +Sis. Rosario Monteclaro, SAR
    +Sis. Teofista Montemayor, SAR
    +Sis. Josefina Olaes, SAR
    +Sis. Concepcion Papa, SAR
    +Sis. Eugenia Reyes, SAR
    +Sis. Maria Rodriguez, SAR
    +Sis. Evangelina Rustia, SAR
    +Sis. Purificacion Samala, SAR
    +Sis. Cely Santillan, SAR
    +Sis. Josefina Santos, SAR
    +Sis. Catalina Sartre, SAR
    +Sis. Elena Solis, SAR
    +Sis. Soledad Columna, SAR
    +Sis. Priscilla Encarnacion, SAR
    +Sis. Remedios Francisco, SAR
    +Sis. Paz Adriano, SAR
    +Sis. Gloria Agana, SAR
    +Sis. Esther Aguicho, SAR
    +Sis. Angela Almario, SAR
    +Sis. Isabelita Antonio, SAR
    +Sis. Isabel Asistones, SAR
    +Sis. Isabel Asistones, SAR
    +Sis. Elpidia Bonanza, SAR
    +Sis. Barbara Borromeo, SAR
    +Sis. Constancia Crescini, SAR
    +Sis. Modesta Custodio, SAR
    +Sis. Gloria de Castro, SAR
    +Sis. Velia de Guzman, SAR
    +Sis. Fortunata de la Vega, SAR
    +Sis. Virginia Soriano, SAR
    +Sis. Rosario Tacuyan, SAR
    +Sis. Soledad Tirona, SAR
    +Sis. Corazon Victa, SAR
    +Sis. Aurora Victoriano, SAR
    +Sis. Remedios Vitancol, SAR
    +Sis. Pat dela Vega, SAR
    +Sis. Paz Benitez, SAR

    Tondo Chapter:
    +Bro. Petronilo de Jesus, SAR
    +Bro. Jesus Silvestre Jose, SAR
    +Bro. Leonardo Ostia, SAR
    +Bro. David Remedios, SAR
    +Bro. Numeriano Villamea, SAR
    +Sis. Pilar Adriano, SAR
    +Sis. Ma. Viz Dayap, SAR
    +Sis. Aurora de Guzman, SAR
    +Sis. Dolores de Jose, SAR
    +Sis. Nenita de Jose, SAR
    +Sis. Narcisa Espiritu, SAR
    +Sis. Lucia Garcia, SAR
    +Sis. Susan Grulla, SAR
    +Sis. Conchita Ninal, SAR
    +Sis. Amelita Paloyo, SAR
    +Sis. Dolores Pangan, SAR
    +Sis. Juniolita Soquilon, SAR
    +Sis. Rosario Tuazon, SAR
    +Sis. Felicitas Umali, SAR
    +Sis. Estrellita Villamea, SAR
    +Sis. Pacita Villamor, SAR
    +Sis. Virginia Villanueva, SAR
    +Sis. Carmelita Zaldariaga, SAR

    Manila Chapter:
    +Bro. Gener Montemayor, SAR
    +Sis. Carina Juan, SAR
    +Sis. Norma Aquino, SAR
    +Sis. Cirila Villan, SAR

    Miranila Chapter:
    +Sis. Fortunata Castañeda, SAR
    +Sis. Lilia dela Paz, SAR
    +Sis. Amancia Gagui, SAR
    +Sis. Rosario Manese, SAR

    Provincialate Chapter:
    +Sis. Elnora Bobiles, SAR
    +Sis. Lorenza Liwag, SAR

    Talisay Chapter:
    +Bro. Rodolfo Mijares, SAR

    Baguio Chapter:
    +Bro. Thomas Buenaobra, SAR

    Cebu Chapter:
    [543 deceased SARF members]

7
  • All day
    November 7, 2021

    BLD. GRATIA OF KOTOR, Religious
    (Patron of OAR Lay Collaborators)

    BIRTHDAY
    Sr. Ma. Cecilia Palomo, AR
    Sis. Florence Fajatin, SAR (Manila Chapter)
    Sis. Zenaida Alix, SAR (Miranila Chapter)

    DEATH ANNIVERSARY
    +Sis. Petrona Camay, SAR (Laray Chapter)

8
  • All day
    November 8, 2021

    START OF THE NOVENA TO NUESTRA SRA. DE LA SALUD

    BIRTHDAY
    Sr. Alfreda Galinato, AR
    Bro. Diosdado Dayao, SAR (Manila Chapter)
    Sis. Diosdada Uy, SAR (Cebu Chapter)

    DEATH ANNIVERSARY
    +Bro. Ramchand Mansukhani, SAR (Cebu Chapter)
    +Sis. Ofelia Sanchez, SAR (Antipolo Chapter)

9
  • All day
    November 9, 2021

    BIRTHDAY
    Fray Emilio Jaruda, Jr.

    DEATH ANNIVERSARY
    +Fray Jesus Pastor Paloma (1996-2021)
    +Sis. Francisca de los Santos, SAR (Talisay Chapter)

10
  • All day
    November 10, 2021

    BIRTHDAY

    Sr. Hermosilla Torreon, AR
    Sis. Janet Palencia, SAR (San Carlos Chapter)

    DEATH ANNIVERSARY
    +Sr. Lourdes de San Agustin, AR
    +Sis. Cristina Sablada, SAR (Cebu Chapter)

11
  • All day
    November 11, 2021

    BIRTHDAY
    Sr. Gemma Netollama, AR
    Sr. Christie Maquiling, AR
    Sis. Alma Jocson, SAR (Antipolo Chapter)

    DEATH ANNIVERSARY
    +Sr. Fernanda Balaba, AR

12
  • All day
    November 12, 2021

    BIRTHDAY
    Sr. Cristine Tenio, AR
    Sis. Yolanda Fortus, SAR (Manila Chapter)
    Sis. Rosina Torres, SAR (Talisay Chapter)

    DEATH ANNIVERSARY
    +Sr. Ma. Corazon Nartia, AR
    +Sis. Luisa Bautista, SAR (Miranila Chapter)

13
  • All day
    November 13, 2021

    AUGUSTINE OF HIPPO’S 1,667th BIRTHDAY

    ALL SAINTS OF THE ORDER

    DEATH ANNIVERSARY

    +Mo. Remedios de la Cruz, AR
    +Sr. Rechilda Llorando, AR

14
  • All day
    November 14, 2021

    WORLD DAY OF THE POOR
    (cf. Pope Francis’ Message: “The poor will always have with you”)

    BIRTHDAY
    Sr. Clementina Galve, AR
    Sr. Luzviminda Escal, AR
    Bro. Romeo David, SAR (Tondo Chapter)
    Sis. Melanie Oquias, SAR (Baguio Chapter)
    Angela Lachica (RAY-Miranila)

15
  • All day
    November 15, 2021

    BIRTHDAY
    Sr. Marites Carasig, OAR (Tangub Monastery)
    Sr. Ma. Elisa Abellaniza, AR
    Sis. Adela Alfredo, SAR (Tondo Chapter)

    DEATH ANNIVERSARY
    +Sr. Encarnacion del Santissimo Sacramento, AR
    +Sr. Consolacion Salamanca, AR
    +Sr. Ma. Belen Muñez, AR
    +Sr. Juana Mirasol, AR

16
  • All day
    November 16, 2021

    BIRTHDAY
    Fray Roldan Benemerito (simply prof.)

    DEATH ANNIVERSARY
    +Mo. Carmen Alba, AR
    +Sis. Irene Bitala, SAR (Talisay Chapter)

    1ST ANNIVERSARY OF THE SOLEMN DEDICATION OF THE CHURCH AND ALTAR OF OLMCP-R, CEBU CITY AND VIGIL MASS OF LA SALUD
    Mass Presider: Bp. Midyphil Billiones, D.D., Auxiliary Bishop of Cebu
    Live streaming @ 5:00 P.M.

17
  • All day
    November 17, 2021

     

    Fiesta Mass of La Salud @ OLMCP-R Cebu
    Live streaming @ 5:30 P.M.

    Fiesta Mass of La Salud @ SNDTP Quezon City
    Live streaming @ 6:00 P.M.

    BIRTHDAY
    Fray Nestor Raras
    Fray James Francis Bago (simply prof.)
    Sis. Marielou Aventajado, SAR (Manila Chapter)
    Sis. Leonora Bonifacio, SAR (Tondo Chapter)

18
  • All day
    November 18, 2021

    BIRTHDAY
    Sis. Elena Sibug, SAR (Tondo Chapter)
    Sis. Erlinda Caberoy, SAR (Talisay Chapter)

    DEATH ANNIVERSARY
    +Sr. Ricarda Raganas, AR
    +Sis. Cleofe Melegrito, SAR (Antipolo Chapter)

19
  • All day
    November 19, 2021

    PRAYER INTENTION: FOR THE SICK (cf. LAMP I,5c)

    FOURTH CENTENARY OF THE 1ST GENERAL CHAPTER OF THE RECOLETOS / November 19-30, 1621

    BIRTHDAY

    Sr. Dolores Diana, AR
    Sr. Nobie Noman, AR
    Sr. Ma. Jeanne Partosa, AR
    Sr. Josephine Tanio, AR
    Sis. Isabelitra Gregorio, SAR (Miranila Chapter)
    Sis. Gizelle del Rosario, SAR (Cavite Chapter)
    Sis. Nelfa Roselim, SAR (Laray Chapter)
    Monica Lorevella Negre (RAY-Talisay)

20
  • All day
    November 20, 2021

    BIRTHDAY
    Fray Ralph Laureen Ciceron
    Mo. Eufemia Lauzon, AR
    Bro. Michael Valle, SAR (Cavite Chapter)
    Sis. Felisa Fernandez, SAR (Cebu Chapter)
    Rea Mae Avila (RAY-Provincialate)
    Jasper Caranyagan (RAY-Provincialate)

    ANNIVERSARY OF SOLEMN PROFESSION
    (2001-2021)
    Mo. Ma. Emy Catalonia, OAR (Tangub Monastery)

    DEATH ANNIVERSARY
    +Sr. Celestina de San Nicolas de Tolentino, AR
    +Bro. Norberto Timbol, SAR (Miranila Chapter)

21
  • All day
    November 21, 2021

    SOLEMNITY OF CHRIST THE KING

    WORLD YOUTH DAY 2021

    BIRTHDAY
    Angelice Tan (RAY-Talisay)

    ANNIVERSARY OF APPOINTMENT AS ARCHBISHOP
    Archbp. Peter Liu Cheng-chung (Diocese of Kaoshiung, Taiwan)

    ANNIVERSARY OF SIMPLE PROFESSION
    (1998-2021)
    Mo. Ma. Emy Catalonia, OAR (Tangub Monastery)

    DEATH ANNIVERSARY
    +Fray Santos Serato (2003-2021)
    +Sr. Ma. Clara Flores, AR

22
  • All day
    November 22, 2021

    BIRTHDAY
    Bro. Joselito Bondoc, SAR (Tondo Chapter) S
    is. Jelly Azada, SAR (Provincialate Chapter)
    Sis. Daisy de la Torre, SAR (Puerto Princesa Chapter)

    DEATH ANNIVERSARY
    +Sr. Consejo de Santa Monica, AR
    +Sr. Ma. Paulita Llacer, AR

23
  • All day
    November 23, 2021

    BIRTHDAY
    Erika Nicole Fruylan (RAY-Bacolod)

24
  • All day
    November 24, 2021

    BIRTHDAY
    Fray Sir Michael Dineros
    Sr. Fulgencia Relos, AR
    Sr. Cathryn Nove Vila, AR
    Sis. Flora Atienza, SAR (Provincialate Chapter)
    Sis. Maria Cecilia Batongbakal, SAR (Puerto Princesa Chapter)
    Sherwin Louie Laserna (RAY-Talisay)

    DEATH ANNIVERSARY
    +Sr. Imelda Lachica, AR
    +Sr. Mary Bernard Matanguihan, AR
    +Sis. Julieta Savellano, SAR (Miranila Chapter)

25
  • All day
    November 25, 2021

    BIRTHDAY
    Fray Feliciano Campomanes, Jr
    Sr. Ma. Ninfa Inzon, AR
    Bro. Erasmo Degamo, SAR (Cebu Chapter)
    Sis. Conrada Manrique, SAR (Provincialate Chapter)
    Kate Lynn Alvarado (RAY-Talisay)

    DEATH ANNIVERSARY
    Sr. Carmela de Santa Teresita, AR
    Sr. Francisca Abad, AR

2627
  • All day
    November 27, 2021

    MEETING OF THE PRIORS PROVINCIAL WITH THE PRIOR GENERAL AND COUNCIL
    November 27-December 4 / Casa de San José, Madrid

    MEETING OF THE PRE-CAPITULAR COMMISSION OF THE 56TH GENERAL CHAPTER
    November 27-December 4 / Casa de San José, Madrid

    DIACONAL ORDINATION (Philippines)
    Fray Ricky John A. Austria
    Fray Julius James T. Tinapao
    Fray James Erold P. Gatinao
    Ordaining Prelate: Most Rev. Roberto Gaa, D.D., Bishop of Novaliches
    OLCP, Miranila, Quezon City/9:30 A.M.

    BIRTHDAY

    Fray Ivan Cuison (simply prof.)
    Sr. Antonietta Castañares, AR
    Sr. Rhiza Eltanal, AR
    Bro. Valeriano Pariñas, SAR (Provincialate Chapter)
    Sis. Carmen Labay, SAR (San Carlos Chapter)

28
  • All day
    November 28, 2021

    FIRST SUNDAY OF ADVENT

    PRAYER INTENTION:  FOR THE MISSION (cf. LAMP I,5c)

    XXIII FOUNDING ANNIVERSARY
    of the PROVINCE OF ST. EZEKIEL MORENO (1998-2021)

    BIRTHDAY
    Sr. Eva Grace Cadungog, AR
    Bro. Ruel Alcedo, SAR (San Carlos Chapter)
    Sis. Rosario Galang, SAR (Provincialate Chapter)
    Jaycell Castillo (RAY-Urbiztondo)

    ANNIVERSARY OF PRESBYTERAL ORDINATION
    (2013-2021)
    Fray Jose Prudencio Castillo
    Fray Giovanni Gil Magbojos
    Fray Alexus Mansueto
    Fray Joseph Cyprian Panaligan

    10th ANNIVERSARY (2011-2021) OF ACCEPTANCE AS BROTHERS/SISTER GENERAL OF THE ORDER (OAR)

    Hon. Rufus Rodriguez
    Mr. Fulgencio Culaton
    Dr. Milagros Espina

    DEATH ANNIVERSARY
    +Sis. Marina Satin, SAR (Manila Chapter)

29
  • All day
    November 29, 2021

    BIRTHDAY
    Fray Glynn Ortega
    Sis. Iluminada Lucio, SAR (Provincialate Chapter)

    DEATH ANNIVERSARY
    +Sr. Ma. Ester Anacleto, AR
    +Sis. Bernardita Broce, SAR (San Carlos Chapter)

30
  • All day
    November 30, 2021

    ANDREW, apostle

    Holiday: BONIFACIO DAY

    BIRTHDAY
    Bro. Andres Benitez, SAR (Provincialate Chapter)
    Sis. Bonifacio Baran, SAR (Cebu Chapter)
    Sis. Belen Buncag, SAR (Brooke’s Point Chapter)

    Note: Local Priors, pls. prepare to submit your Community Reports

    

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