Modest financial guide including budget hacks, investment tips for New YearTake time to view your financial status and start setting new goals that you seriously commit to working hard for and achieving this year. Take time to view your financial status and start setting new goals that you seriously commit to working hard for and achieving this year. From investment tips to budgeting hacks, here is a modest financial guide with suggestions from RCBC:Create a budget from scratch. RCBC Credit Card holders aged 18 to 64 may also enroll in the Easy Health Insurance Plan, which is a simple health insurance plan that covers medical expenses such as hospital room and board fees. OneAccount also has add-on features, such as life insurance and personal accident insurance, which you can add or remove as needed.