Grateful for Nanay’s money lessons.


I was born and raised in the Philippines.

I grew up with my grandmother (we call her Nanay), an entrepreneur, a real estate investor with several rental properties. She has greatly influenced me with managing my finances by living below our means, knowing the importance of saving money, and spending based on what we need. 

When I was in 4th grade, Nanay opened my first bank account. At that time, we have a bank passbook. I still remember that we need to bring it to the bank to deposit or withdraw money. The bank teller would update the outstanding balance by printing it on the passbook

Nanay would routinely check the passbook balance to see if I was saving more money from my allowance.

To expedite my savings account’s growth, I bought candies from my relative’s store and sold those to my classmates during recess and lunch time.

Photo by cottonbro on

My savings grew over the years as I have thought of other things to sell to my classmates and friends. Selling not only improved my savings account but, more importantly, my social skills. 

I am usually timid at first but after warming up, I joke around and talk more.

It was not the amount of money that made me want to earn more, but the confidence and sense of control it provided. The thought of being capable of buying what I want whenever I want it empowers me. There is a sense of pleasure in being able to decide whether to buy something or not because of reasons that does not include being unable to afford it.

My grandmother taught me to be frugal, helped me develop the habits of saving, determining ways to earn, including the traditional advice of studying hard to be able to get a high-paying job.

I hope she’s still alive so she could read this blog to know how much I appreciate all the lessons I learned from her. 

Thank you Nanay, for providing me financial education.

Now, let’s all improve our financial literacy, so we will all be on track with our journey towards assured tranquility!

10 thoughts on “Grateful for Nanay’s money lessons.”

  1. I can totally relate to Timz’s story. What a very loving story tribute to Nanay. A very good learning opportunity for everyone. Thanks for sharing!

    Liked by 1 person

    1. Thank you, Lei! I am grateful to have known your grandparents. They, too, have become my Nanay and Tatay as they have treated me like their own. Thank you for the love and support, my soul sister! 🙂


    1. Yes, Hanna. Financial literacy is so important that is why we have this campaign to provide financial education to make money work for us, so we would have more opportunity to live the life we want.🙂


  2. What a beautiful story and memory of Nanay.
    Her teachings and planting the seed on financial education and working hard pays off is evident by your achievements, integrity, and work ethics, Timz. Thank you for sharing this story, Timz. It’s inspiring!


    1. Thank you, Eliza! Simple advice could change our lives. My current self is thanking my younger (stubborn) self that I paid attention to my Nanay’s advice. 🙂


    1. Thank you, Kat. The great news is that we have free financial education available to us, and we could be the “Nanay” in promoting financial literacy. 🙂


    1. Thank you EJ. I am very glad that you appreciate my story. I hope you would have good money habits too. Take care always and God bless!


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