Money can’t buy happiness – that’s true. But I also believe that happiness is easier to find if you have money. Why? Because if you’re living your life without financial worries, then you can focus more on pursuing your personal dreams, you can spend more time with your loved ones and you are more empowered [...]

Everyone wants to invest. But not everyone is ready to lose money. While investing is a great way to secure a future, one must keep in mind that providing for the present is actually more important. Because how can you reach your financial goals, if you’re not moving towards the right direction today, right? And [...]

Being deep in loans and credit card debt is hard enough – but add to that the negativity and harassment of debt collectors, and you’ve got yourself a major headache. Fortunately, we have today guest blogger, Christopher, who shares below three common lies that debt collectors tell. His examples may show cases for the US, [...]

How do people spend money? When I thought about this question, I initially concluded that people would either be “thoughtful” or “careless” about their spending. But world-renowned economist and academic, Milton Friedman, says that there are actually four basic ways that people spend money – and not just two as I’ve initially thought. Below now [...]

Everyone wants to be debt-free. Unfortunately, only a handful of people are able to do it. And even fewer are those who are able to sustain it for the long term. So what’s the secret of these people who have successfully eliminated debt from their lives? I could only guess. Perhaps because I believe that [...]

I first heard of the zero-based budget planning system from financial author, Dave Ramsey. During that time, a few years ago, I’ve already been using the Envelope System to track and control my spending. And upon realizing how similar and complimentary the two methods are, I’ve decided to incorporate both systems into my budget planning. [...]

I always say that the very first thing you should do if you want to achieve financial freedom is to learn how to save money. Be frugal, pay yourself first, avoid unnecessary expenses – it’s just some of the things you can do to start building your wealth. And after a few months, or even [...]

Having debts is a normal part of a person’s financial life. You are not alone – millions of people have debts. So there’s really no reason for you to pity yourself for having debts because as I said, it’s normal. However, what is important for you to realize and remember is that, not all debts [...]

I must have slept the wrong way or have been careless at lifting weights in the gym yesterday, but whatever it was, I found my right shoulder sore and numb this morning. Several years ago, I might have just popped a pain reliever, massaged some liniment on it and hoped that my shoulders would get [...]

Looking for the love of your life can be hard. But once you find it, you’ll discover that even harder, is keeping the flame always burning. Back in 2006, a study was conducted by Money Magazine and they discovered that couples fight twice more about money than sex inside the relationship – with 13% of [...]

Group buying sites have existed in other countries for quite some time now but it’s only recently that the business model started to grow and get attention in the Philippines, particularly in Metro Manila. In fact, my list of Philippine Group Buying Sites has grown from twelve to twenty-four websites in just a few weeks. [...]

It’s going to be the end of the year soon and from what I know, there are two New Year Resolutions that people usually think of during this time – they’d either want to lose weight or save more money next year. I’m not a health guru so I can’t really help you much with [...]