If excellence is a habit, does that mean we can achieve excellence in money management techniques? Yes! I believe yes, this to be true. From cashflow management, to being aware of our numbers: income and expenses, to investing and using debt in healthy ways that allow us to grow and expand as human beings. Like any skill, I believe and have seen that money management techniques can be learned, much like learning how to ride a bike, or learning how to cook, or learning how to drive a car. Much like a vehicle needs maintence, our finances are like well-oiled machines that need time, attention, and our utmost care. So follow along, and with upcoming content: let's learn new money management techniques one at a time. Signed, Filipina Budget Girl.