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 for you, [...]

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. It’s [...]

Have you ever received a gift that you didn’t like? Tacky mugs, ugly photo frames, clothes that didn’t fit, shirts that didn’t suit your taste, the list could go on. I’m sure you can remember a few of those gifts that didn’t quite put a wide smile on your face.
So what did you do with [...]

Today is Blog Action Day – a time when bloggers around the world unite to talk, share stories, reflect and create awareness about a global issue. This 2008, the theme is Poverty.
I’ve known about this special event since early this year and I know that personal finance bloggers out there are truly excited to share [...]

Do you want to download and use free software on the internet? Then I suggest that you check out these free and top quality software programs available out there. These free software can serve as good alternatives to commercial and licensed applications and save you money.

What do you do when you feel stressed and overworked?
Make a spa appointment and have a massage? Visit the mall and buy something for yourself?
Call your friends and go barhopping? File a leave of absence from work and have a vacation?
These things work if you can afford it. But what if you’re living on a [...]

Once again, it’s time for some money saving tips. Today, I’m going to give you simple ways on how you can be frugal on hair care.
We’ll tackle hair products, styling practices and some common sense strategies on how you can save a little cash and yet, manage to stay silky-smooth.
I asked some of [...]

Clothing is one of life’s basic necessities. But for many of us, it is also one of our biggest expenditures. This is true specially if you’re working in the corporate world or doing a job in public relations or in the fashion industry. In these professional and social environments, how we physically present ourselves are [...]

Did you know that refrigerators can account for as much as 15 to 20 percent of your home’s electric bill? That’s what I discovered when I played around with the Meralco Appliance Calculator the other day. I plugged in the appliances we have at home into the calculator and checked how close the results will [...]

Watching a movie is probably one of the most common activity we do with friends and family. It’s really a great way to spend time with them and do some bonding. Personally, going to the cinemas has been my way to unwind after a busy schedule. For a few hours, I escape reality and immerse [...]

This is the last part of this article, to read the first part, click here: The Relationship Of Obsolescence And Frugality Part 1.
Aside from planned obsolescence, there is another type of obsolescence that’s being utilized by product engineers to maximize business profits. This is called perceived obsolescence. This type of obsolescence is where the big [...]

Wikipedia defines obsolescence as the state of being which occurs when a person, object, or service is no longer wanted even though it may still be in good working order. The root word of this term is obsolete, which we all know is synonymous to being out of date.
Furthermore, it is said that obsolescence frequently [...]

I spent last weekend in Batangas to become a godfather to a friend’s newborn baby. I haven’t heard from my friend in years, which explains my surprise and excitement when I received a call from him a week ago to invite me to the baptism of his first born. And so, after congratulating him on [...]

A lot of establishments nowadays offer discount cards for loyal customers and I’ve learned to love and take advantage of these promos to save money. Out of all the various local stores that have these membership loyalty programs, I have been able to accumulate the most points from Shoemart’s SM Advantage Card, Mercury Drug’s Suki [...]

What’s the difference between being frugal and being cheap? Surprisingly, when I asked my friends about this, most of them have various definitions and only a handful knows the correct boundary which separates the two. Furthermore, when I presented them with several situations and asked their opinion if the example was frugal or cheap. Many [...]