To be honest, after we paid out our debts, I got allergic to the term “utang”. I surrendered my credit cards except for my Citibank Cash Back Credit Card that I use when buying groceries, gas and paying bills like Meralco, PLDT etc. I call it “Mommy CC” and I kept it because I earn cashback from my spendings. I …
What is a Vision Board? Is God speaking to you in dreams and visions? Is He giving you inspirations and instructions? Write them down! For each one of us, God has prepared amazing things. He gives us vision to reveal His plan for our future. When He gives us these revelations thru visions, He refocuses our eyes to our future. …
No matter how much they earn, they spend two times of their income and then they are not left with anything as most of their salary goes in paying debts.” This is how a foreign CEO looks at Filipino workers in his company when it comes to managing their own finances. He said that he stopped their operations in …
It is the money set aside to help us survive an unexpected event or hard times like this pandemic when many lost their jobs, got sick and incurred a lot of medical bills, etc.
For many people, just like making a budget, tracking expenses is one of the most boring and scariest activities ever! I know right? But of course, no matter how we dread doing it, it is still a must on our side if we want to take control of our finances. Usually, the leakage in our budget comes from the small …
Although exempted to pay the income tax if gross income is less than Php 250,000, all small, medium and big businesses are required to register with BIR and file their taxes regularly.
After 18 months of paying off our non-mortgage debts, we are now down to one(1) out of seven (7) debts. Praise and glory be to our wonderful God who provides us with everything we need and who gives us the wisdom and the discipline to get out of debt. Our Progress We are now at 86% of paying off our …
“Polycystic ovarian syndrome (PCOS) is one of the most common female reproductive disorders; affecting approximately 10% or more of women worldwide. PCOS is a big deal because it can lead to infertility and other health problems. The common symptoms associated with PCOS are irregular or no periods and anovulation (meaning you don’t ovulate, or ovulate rarely), increases in androgen …
It’s April, yey! I am so excited to share with you how much is left with our debt after almost 17 months of struggle in paying it off . The journey was not an easy one, but it’s all worth it. And now we are almost done! Soon, by God’s grace. We are now 80% in paying off our debt. …
Being in debt is very common in most Filipino families today. It becomes so normal in the Philippines that some are even buried up to their eyeballs just to keep up with their friends, co-workers, and whatever is trending on social media. They already lost the hope of getting out of debt in the future. I remember the time when …
