I use my cellphone to call my girlfriend everyday. However, I have failed to see the costs are pulling me back from saving and investing until recently.
Extreme Frugality
I plan to buy a two-way radio that will allow us to talk whenever we are at home. Instead of using cellphones, which will cost us ten pesos [...]
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Finance —
Category Archives: Finance
Cellphone Reloads Are Costing Me P18,000 A Year
How Water Bottles Saves Me P23,000 a Year
As I start mortgage payments on a new house in Cavite, I’ve started reflecting the numerous changes that are going to happen to my monthly budget. Basically, most of my unnecessary needs, are going to have to categorized as wants. This extra responsibility has compelled me to look for ways to save more of my [...]
How to Achieve Financial Freedom
Financial freedom is a dream most of us have (or at least I have it). Financial freedom is the freedom not think about work and money. It is the freedom to do whatever you want whenever you want.
Most businessmen I’ve known have used ‘leverage’ to further decrease the time needed to reach financial freedom and [...]
How to Save and Minimize Expense when Eating Out
Eating at home is the cheapest alternative to eating out most of the time. Sometimes, we would still eat out occasionally to deal with professional burnout.
Eating out is very expensive especially during business meetings. The food must be absolutely tasty. The restaurant should be presentable. I’ve read in a book that The Learning Annex CEO, [...]
Debt Snowball: The easier way to pay off debt
This morning, I just received a letter from a bank about my credit card debt. My mom called me telling me that another bank called in and asked me to pay my credit card debt.
In times like this, you always think of paying the debt as quickly as possible. Unfortunately, most debt balances are much [...]
Do You Have Too Much Debt?
Do you have too much debt? Here are a few warning signs.
You have maxed-out your credit cards
You only pay the minimum monthly credit card payments
You are getting calls from collection agencies about your credit accounts
You don’t have savings
You have been denied credit when you apply for a loan
You have [...]
Giving Up Habits To Save Money
Saving money is a goal for most of us. We plan to save a little each payday until it reaches a substantial amount. We put some of our money in a time deposit account to earn a fixed percentage a year. You plan to save as much of what you earn so that you can [...]
10 Gas Saving Tips
You cannot deny the fact that oil prices are very high and increasing every month. Petrol prices range from 36 pesos to 40 pesos per liter. If you want to keep up with it, you need to learn how to economically save money on petrol usage.
Here are a few tips I learned here and there.
Limit [...]