Move over, Cupid.
There’s a new God of Love in town, and he’s wearing a pocket protector, carrying a spreadsheet, and judging your choice of overpriced long-stemmed roses.
He is the God of Budgeting, called Cheapskate.
He is a frugal technocrat, a miserly analyst, and a budgeting nerd.
In the modern world, "I love you" is nice, but "I’ve updated our joint Pag-IBIG contributions" is the real aphrodisiac.
Forget the chocolates—nothing says "forever" like a diversified investment portfolio and a mutual understanding of inflation.
The Evolution of the "Kilig" Factor
Gone are the days when a handwritten poem was enough to win a heart.
Today’s courtship involves a much more rigorous screening process:
Phase 1: The First Date. Instead of asking, "What’s your favorite color?" try: "What’s your credit score, and do you have a preference for High-Yield Savings Accounts?"
Phase 2: The Gift-Giving. Flowers die in three days. A blue-chip stock? That’s the gift that keeps on giving (in the form of dividends). If your partner gives you a bouquet, ask for the receipt so you can file it under "Unnecessary Lifestyle Inflation."
Phase 3: The Proposal. Forget the diamond ring—that’s a depreciating asset. Propose with a Pre-Approved Housing Loan. "Will you... Amortize with me for the next 25 years?"
If you want your relationship to last longer than a 3-day sale at the mall, you need to be practical and hands-on.
Having romantic gestures like buying a dozen roses... treating her to a fancy dinner ... or maybe giving her a surprise trip has emotional value ranging from high to extreme, but the financial impact on your finances ranges from low to debt (death).
Instead of buying a dozen roses ... the modern and wise alternative is to buy a potted calamansi plant (it is green ...it lives ... it provides Vitamin C ... and hey, at the time of economic meltdown and the market crash, you can always sell it in the market, and you have instant cash.
Instead of treating her to a fancy dinner ... why don't you eat malungay pandesal while watching a webinar on Egg or Poultry Farming for couples?
And instead of a surprise trip to Boracay ... why don't you make it virtual ...you can even reach international destinations like Switzerland or Paris, France ang put that money instead for PhilHealth.
Disiplina sa Pera is the Ultimate Foreplay.We used to think "Discipline" was for soldiers and gym rats. Now, it’s for lovers.
Imagine the heat of the moment: The lights are low, the music is soft, and you whisper into your partner’s ear: "I just moved our excess cash into a low-risk money market fund to hedge against the 4.5% projected inflation rate."
You get instant fireworks.
Build Your Future (With a Calculator)
Our forefathers fought for land; we fight for a decent interest rate.
Building a future together isn't about staring into each other's eyes—it’s about staring at the same Excel sheet until the cells turn green.
If your partner says, "Let’s just live for today!" what they’re actually saying is, "I hope you’re okay with eating instant noodles during our retirement." True love is the ability to say "No" to a ₱400 salted caramel latte today so you can afford a decent knee replacement together in 2060.
"Love is blind, but the Bank Manager has 20/20 vision."
In conclusion, keep your chocolates.
Give me a partner who knows the difference between a "Want" and a "Need," and who understands that "Till death do us part" is much easier to achieve if we aren't killed by debt first.
Twins%20(2).jpg)


