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Regarding credit cards, I think its purpose is for convenience. It is also very useful for emergencies.
Pero para sa uban, extension of buying power or another source of income ilang tan-aw sa...

Wow! Good to see nga daghan kaayo ang conscious about savings and investments.

I read this in a certain book a few years ago yet nakatatak gihapon sa akong mind.
The key in avoiding financial struggles is to spend on one's needs and manage the wants.

You can find a comprehensive list of reputable and very reliable mutual fund companies from this link: Investment Company Association of the Philippines

Focus on equity funds for now kay kusog...