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 …
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 …
Being a parent is one of the most difficult yet rewarding jobs we can ever have in this world. It requires pure love and pure hard work. The bible tells us in Psalm 127:3 that children are a gift and a reward from God. As parents, we must love, teach, discipline and most importantly help …
