In recent years, as more and more people seek financial advice from me, I’ve come to realize one important lesson about saving and investing. And that is: It’s better to maximize the amount you save first, before optimizing your investment returns. Truth be told, people ask me “What’s the best investment?” more often than “How […]
Tags: Investing, Money Saving Tips, save vs invest, saving money, what's the best investment
The 2017 World A/C demand was estimated to reach 110.56 million units in 2017, which showed an 8.1% increase over the previous year. The second-largest market for air conditioning units in the world was Asia, whose demand reached 17.30 million units. This isn’t that astounding considering that the coldest month in places such as the […]
Tags: ac, air conditioner, air conditioning, Guest Posts, Money Saving Tips, Personal Finance
When competing with the rising costs of living and a low income which doesn’t appear to get any bigger, life can be stressful. With generation rent & debt (i.e. the millennials) becoming a prominent news headline, it’s difficult to know where you stand when it comes to saving for your future or living in the […]
Tags: emergency fund, how to build an emergency fund, how to save for an emergency fund, Money Saving Tips
I asked a friend what’s her usual impulse buy and without hesitation, she said it’s makeup. She then went on to tell me her latest purchases, which I must say are a lot. I then asked her if she regrets any of those purchases. She thought for a while, and then answered there were a […]
Tags: avoid impulse buying, causes of impulse buying, delayed gratification, how to beat impulse buying, how to stop impulse buying online, impulse buying, impulse buying articles, instant gratification, Money Saving Tips, Personal Finance, prevent impulse buying
A lot of times, I hear people say that they really want to start saving, but they can’t because their income is just enough to pay for their living expenses. They tell me that more often than not, they have no money left for savings by the time the next payday comes. And unfortunately, they’ve […]
Tags: how to live on low income budget, how to live well on a small income, how to save money, how to save money from salary, how to save money on a low income budget, how to survive on a low income budget, living on a low income tips, low income budget planner, Money Saving Tips, Personal Finance, save money on low income
It’s the weekend, and it’s laundry day. But before you could go to the laundromat, you had to call someone first to fix your car because it won’t start. For lunch, you decided to eat at a fast food. And then upon coming home, you discovered a leaking faucet. So you call a plumber to […]
Tags: basic skills at home, domestic skills, Money Saving Tips
Christmas is a time for family. And for most Overseas Filipino Workers, it is their once-a-year chance to go home and spend quality time with their loved ones. Unfortunately, coming home for Christmas usually results to overspending for OFWs. However, the good news is that it doesn’t have to be that way. Below are eight […]
Tags: christmas tips, Money Saving Tips, OFW, ofw christmas, ofw tips, Overseas Filipino Workers, Personal Finance
Would you pay for something that you can actually get for free? Apparently, most people will. Below is a list of things that Pinoys usually spend on unnecessarily. These expenses can be avoided because you can get them for free, there’s a free alternative, or simply because you don’t really need to spend on them. […]
Tags: free things you can get, how to save money, Money Saving Tips, never pay for it, unnecessary expenses
If there’s one thing Filipinos are known for, it’s how we always put the family first. While countries like the U.S. expect young adults to leave the nest, most Filipinos would rather stay with the family if given the chance. Sure, it’s always a privilege to live close to your loved ones. But it’s not […]
Tags: frugal groceries, frugal living groceries, grocery, grocery saving tips, how to save money on groceries at walmart, how to save money on groceries for a large family, how to save money on groceries without coupons, Money Saving Tips, save money on groceries app, save money on grocery
It doesn’t matter what you do, how old you are, or how big your income is — you need to develop your financial IQ if you want a comfortable future. The good news is, there are plenty of opportunities for anyone to do this. You can attend seminars, read books, or simply just learn online. […]
Students already have so much on their plate — from keeping up with never-ending school work to maintaining a healthy social life. In your student years, it’s only natural to prioritize your academic goals. But that doesn’t mean you should completely neglect the development of your personal finance skills. Without further ado, below are forty-five […]
Tags: how to save money as a student philippines, how to save money for students, how to save money in college essay, money saving plan for students, money saving tips for college students
Ask anyone if it’s important to save money, and everyone would say “Yes”. But ask them again if they actually have savings, and I’m certain only a few would have one. It is a challenge to save money, especially for people who are barely making ends meet. However, most of those I’ve met who don’t […]
Tags: i can't save money help, i have a hard time saving money, impossible to save money, Money Saving Tips, save money, saving money, why is it so difficult to save money
The United Nations has declared March 22 as World Water Day. And to be part of this annual celebration, I’m sharing today some tips on how to save water at home. It’s important to do water management and conservation because fresh water is not a free resource. And by learning how to save water, we […]
Tags: how to conserve water essay, how to save water, how to save water essay, how to save water in daily life, Money Saving Tips, water conservation methods, ways to save water
Hi, my name is Fitz Villafuerte and I’m a Registered Financial Planner living in the Philippines. In 2007, I started this blog to help people learn how to achieve financial freedom. Read my story here.
Ready To Be Rich