The Provident Mom

As a mother and homemaker, my top priority is always my daughter. That is the reason why I am very much into investments and insurances. I want to protect her, her home, and her future. There are so many what-ifs in life and these double once we get married and have children. Just like any other aspect of our lives, our family life is not always high. Sometimes we experience challenges and problems and most often than not, we are not prepared for it.  But there are certain things that we can actually prepare for. One of which is something to do with our health. These days, the food that we eat and the environment that we are in can give us sickness. And when it comes to health problems, it can drain our finances and we can even go into debts just to pay for the cost of medicines, check-ups, and (knock on wood) hospitalizations. Getting an HMO these days is no longer a luxury. It is a necessity, especially for average-income generating families like ours who could not afford the...

On my previous blogpost , I talked about being financially free .   In that post, I talked about why we should start making our way to financial freedom. One of the reasons is to avoid going into debts and selling our properties when we get sick. We all know that healthcare is very expensive, especially for critical illness like cancer, etc.  With our environment and the kind of food that we have nowadays, plus our exposure to radiation, it is inevitable to get sick someday, somehow. So, what we really need to do it is to prepare for it.  How do we prepare when that time comes? There are two choices but these two are equally important. One is getting a basic  health insurance and other is getting a Critical Illness Plan.  I'll be focusing more on the latter.  Last year, an insurance/investment agent who happens to be a friend of my husband invited is in their office so he can propose an investment plan for us. So, we went there and we were assessed...