No matter how busy you are from working or taking care of your business, you should never forget to exercise. I remember my mother telling me that I should always have time for exercise. She argues that all the hard work that I do to earn money will be useless if I end up frail [...]

In general, good car maintenance and relaxed driving habits will give your better mileage. This was the main point of my first article on how to save gas. If you haven’t read that yet, I suggest that you do because it mentions a lot of the most obvious ways to save fuel that we often [...]

Being a young urban professional, we often try to keep an image of success to other people, specially to our colleagues and friends. As a result, we sometimes pressure ourselves to show that we are earning good income and could afford luxuries often associated with people working in the corporate world.
The truth is, although you [...]

There are lots of ways to save on electricity. All it takes is a little effort and some plain common sense on our part. You don’t have to be an electrician or an engineer to implement some of these techniques. In fact, if you look around your house and be conscious of your habits at [...]

Bargain stores abound in the Philippines specially in Metro Manila. They can be found in malls and shopping centers everywhere. If you’re fond of going to the tiangge (bazaar) but feels that you’re not really getting the best deals, then here are some effective tips on how to haggle and save money on your next [...]

I was a college freshman and a new resident in Kalayaan, a dormitory inside my campus. It was the second semester and I was barely getting over my initial culture shock of university life when I suddenly found myself to another round of adjustments as I try to make new friends in my new home. [...]

Almost everywhere in the metro, I would always see someone holding a cellular phone - reading or sending text messages. Mobile technology has indeed become part of our everyday life. Wasn’t it just a few years ago when the Philippines was named as the texting capital of the world? SMS quotes, news, rumors and jokes [...]

Do you have the habit of spending more than you earn?
Are you finding it hard to get out of bad debt?
Is it difficult to live within your means?
If so, then maybe you should start a personal budget system to account for your monthly expenses. There are many ways to do this but one of the [...]

Going to Starbucks and other gourmet coffee shops has become a common practice nowadays, specially for Pinoys. Is it because we are too lazy to make our own brewed coffee or espresso at home? Maybe. Is it because we simply love having their blended drinks like the Mocha Frappe? More likely. Or is it because [...]

Owning a car is a dream for many people. Young urban professionals, specially Pinoys, consider this as one of their top priorities. I am reminded of a friend who spent nearly two years being so frugal just to be able to afford a downpayment. He worked hard and never (and I really meant never) went [...]

The price of items are cheaper when they are sold in bulk. This is a fact in almost every case. Always remember this when shopping specially in the grocery. This is a real way to stash away some extra cash in your pocket.
Here are some guidelines to help you start your wholesale experience:
How To [...]

Back in college, I remember my roommate telling me about his habit of collecting 5-peso coins. He would empty his piggy bank every month and show me his savings. I was always surprised to see how much he was able to accumulate at such a short period of time. I asked him one time what [...]

Through the years, I have changed from an impulsive buyer to a frugal shopper. It took some time and a lot of personal motivation but I was finally able conquer this bad habit. If I was able to do it, I don’t see any reason why you can’t. Whenever I’m faced with an urge to [...]

A few years back, I’ve always wondered why I was never able to grow any money in my savings account. It wasn’t until I started to account for my expenses that I realized how much I am actually spending on a daily basis. As we go about our lives, we often only remember the expensive [...]

Paying yourself first is the simplest way to save money.
I’ve learned about this concept a long time ago but never really did it until a couple of years back. It’s actually very simple but quite often difficult to apply. If you like reading books on personal finance, I’m sure you’ve encountered this advise and I [...]