Saving money is important. We all know that. But knowing is not the same as doing. For some people, saving money is like going on a healthy diet. You get inspired and start to do it, but after a few weeks, self-pity creeps in and you begin hating it. If you usually fail at saving [...]

Students will soon be going back to school here in the Philippines. And if you’re a parent, then I’m sure one of the things in your mind right now is your budget. When I was a kid, I would always notice how stressed my parents were during the opening of the school year. They’d go [...]

One of the best ways to manage your budget is to use The Envelope System. This budgeting method is so effective that it has become one of the recommended tools for personal finance. I’ve already written about this topic before and if you’d like to know my personal 8 step action plan to creating a [...]

A friend of mine was complaining to me the other day how expensive prescription medicines are. He was not happy because the antibiotics he just bought cost him his weekend budget for recreation. I know exactly how he feels and that prompted me to do some research and think of ways on how one can [...]

Just recently, I went on a road trip vacation to Ilocos. Me and three other friends drove all the way from Manila to Vigan, Laoag, Pagudpud and back in a span of four days. Our mission was to see the famous places in Ilocos Sur and Ilocos Norte while experiencing the joy of travelling on [...]

Many say that Valentine’s Day is just a commercial holiday. Well, as a personal finance blogger, I’d say it actually is. However, this doesn’t mean that frugal people should not celebrate the season. Personally, I find it nice to go around the city and see people in love, this is why I do go out [...]

I’d like to share with you today a short but very informative video I found entitled, Saving Money in Plain English. This video gives emphasis to be being responsible with our money and the importance of having a saving plan. It also explains the role of banks, credit unions and compound interest in helping our [...]

Aside from losing weight, quitting smoking and getting organized, I believe that saving money is also a very popular New Year’s resolution. “I will start saving money as my New Year’s resolution.” “My New Year’s resolution is to save money so I can get rid of my credit card debt.” “Building an emergency fund will [...]

The key to surviving financially is to simply to spend less than what you earn. Some people might say that this is easier said than done. Well actually, it is if you could put your heart and mind into it… seriously – it is easy. If planning a monthly budget seems like a daunting task [...]

Are you done with your Christmas shopping? I bet your list is not yet complete because no matter how often we hear the immortal advise to shop early for Christmas, we tend to still continue buying gifts all throughout the holiday season. Personally, I start my Christmas shopping during the first two weeks of December. [...]