Mom on Watch - Our Family's Journey to Debt-freedom

Journey to Debt Freedom Update – May 2019

by khorryon May 22, 2019May 22, 2019Leave a Comment

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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 …

Family, Health, Motherhood, Stress

How to Get Pregnant with PCOS

by khorryupdated on May 15, 2019May 15, 20196 Comments

“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 …

Debt-freedom, Finances

How to Pay Off Debt Fast with Debt Snowball Method

by khorryupdated on April 22, 2019April 19, 20192 Comments

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 look at Filipinos when it comes to managing our finances. He said that he stopped their operations in …

Debt-freedom, Finances

Journey to Debt-freedom Update: April 2019

by khorryon April 8, 2019April 8, 2019Leave a Comment

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% …

Debt-freedom, Finances

How to Get Out of Debt

by khorryupdated on June 21, 2019March 11, 20199 Comments

Being in debt is very common in most of the 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 in the social media. They already lost the hope of getting out of debt …

Debt-freedom, Finances

Journey to Debt-freedom Update: March 2019

by khorryupdated on March 25, 2019March 4, 2019Leave a Comment

I am so happy to share to you that after 16 months, we are currently in 75% to paying off our debts. We have a total of P1,065,000 amount of debt to pay including the interest since we started our journey to debt-freedom. It is so amazing how God is working with our family! He …

Bible Helps, Faith, Finances

12 Biblical Ways to Prosper in Life and in Business

by khorryupdated on August 3, 2018August 2, 20182 Comments

How to prosper in life and in business? That is the question that most of us are asking,myself included. During these past few days, my devotion or quiet time was spent studying the book of Proverbs. Thank God,I came across the verses that answer the said question. So that is why, today I am going …

Family, Motherhood

6 Things That Our Kids Must Hear To Build Their Self-Confidence

by khorryupdated on July 10, 2018July 10, 20184 Comments

Self-confidence is a feeling of trust in one’s abilities, qualities and judgement. – Oxford Dictionary Why kid’s self-confidence matters? Kids who have healthy self-esteem or confidence tend to: feel valued and accepted believe that they can do what’s expected be proud of a job well done think good things about themselves feel prepared for everyday …

Maritime

How To Determine The Wheel-Over Point

by khorryupdated on May 21, 2019June 29, 2018Leave a Comment

A lot of my students lately asked me how to calculate or determine their wheel-over point. Since most of them are on board their ships, they usually communicate with me through Facebook Messenger. Of course, it is so difficult for me to give a lecture via FB messenger every time somebody will ask me about …

Earn Extra Cash, Finances

How to Earn Money on Groceries Using Snapcart

by khorryupdated on July 9, 2018June 9, 20182 Comments

Besides from budgeting, I also use Snapcart to earn extra money from all our grocery receipts. It is not that much but if you are on a journey of getting out of debt, every peso counts. Some of you maybe using Snapcart for the longest time already but I am sharing this to help those …