📰 Featured in Pacific Daily News (PDN) I recently shared a personal reflection and practical financial insights in my Money Toolbox  column with Pacific Daily News. This article explores how everyday habits, mindset shifts, and intentional money decisions can help us reset financially for 2026 — not just through numbers, but through awareness and real-life systems that work. 🔗 Read the full article here: https://www.guampdn.com/lifestyle/money-toolbox-reset-your-money-minds

I’m honored to share that this article was originally published by Pacific Daily News (PDN) . In this piece, I explore practical insights on money, decision-making, and real-life lessons drawn from years of experience across government, nonprofit, and private-sector finance. This article reflects my ongoing mission through Money Toolbox —to make financial concepts clear, relatable, and actionable for everyday readers. Read the full article on Pacific Daily News below....

Josephine 'Josie' Guico Villanueva served as President of the Association of Government Accountants (AGA) Guam Chapter for the 2022-2023...

Josephine 'Josie' Guico Villanueva served as President of the Association of Government Accountants (AGA) Guam Chapter for the 2022-2023...

Josephine 'Josie' Guico Villanueva served as President of the Association of Government Accountants (AGA) Guam Chapter for the 2022-2023...

Josephine 'Josie' Guico Villanueva served as President of the Association of Government Accountants (AGA) Guam Chapter for the 2022-2023...