About  Me

Hi, I am Khorry Carlos, the momshie behind Mom on Watch blog.


My Family

This is my beautiful family that inspires me to always be intentional and to give my best in everything I do. I am a blessed wife to my loving husband, Victor and a proud mom to my two cute little ones, Ate Belle and Bonbon.

Just like you, I have a lot of roles to perform each day. I am a wife, mother, daughter, sister, a friend, a leader, a boss, a mompreneur, an employee and most importantly, a servant of Christ. Of course, it is such a great honor and joy to be in all of these hats. But let us just be honest momshies, there are also times that these roles can become so overwhelming. There are times that I find myself doing a lot of things at the same time but actually finishing nothing.

So, it is my goal for myself this year, to eliminate overwhelm and become intentional in everything I do.

About Mom on Watch


I started this blog to document our journey and to be accountable to our decision to really make our way out of debt fast. Since it is our goal  to build our own dream house for our growing family, we finally decided to pay off all our debt so we can start saving for our house and for our children’s future.

Our Debt

Our debt was mostly composed of things that we or should I say, I ( since mostly it was me) did out of stupidity. Some people may regard it as good debt since the loans and credit cards were used to fund our business but it was still a debt. At the end of the day, we will still be forced to settle and make payments for it. During that time, we were not really getting enough returns from our business to compensate for the interests incurred by the loans and credit cards.

When we decided to pay off all our non-mortgage debts at the start of 2018, we had a total of P 1,065,000 remaining balance not including the interest. Below was the breakdown of these debts.

  1. BDO Car Loan – P 65,000 remaining balance
  2. BPI Personal Loan – P 85,000 remaining balance
  3. Citibank Credit Card –P 90,000 remaining balance
  4. BPI Credit Card (Mine) – P 98,000 remaining balance
  5. Citibank Personal Loan 1 – P 175,000 remaining balance
  6. BPI Credit Card (Hubby)-  P 167,000 remaining balance
  7. Citibank Personal Loan 2 – P 395,000 remaining balance

Every month was a struggle for us to make the ends meet. There are many things that were cut out from our budget ever since. Momshies, ang sakit sa ulo at sa dibdib!

I was so eager to get rich quickly that I was not using wisdom and knowledge that time. My actions boomeranged to me and my family.

The bible is always right.

“Wealth from get-rich-quick schemes quickly disappears; wealth from hard work grows over time.” – Proverbs 13:11

I am blessed that God humbled and disciplined us especially me, though it was really a humbling experience. I know so much better now; been there and done that! I will not go back. Never again that I will borrow money from loans and credit cards just to immediately gratify myself and keep up with others. Late gratification is one of the keys to financial independence.

“But consider the joy of those corrected by God! Do not despise the discipline of the Almighty when you sin.” – Job 5:17

Goal of this Blog

It has been 2 years now, since my husband and I made that decision to get out of debt and be financially free. We worked doubly hard last year, did our research and made efforts to take control of our finances. Today, to God be the glory, we paid all  our debt worth P 1,065,000 (actually 1.6 M plus including the interests) and it is now my turn to pay it forward.

The goal of this blog is to help you, hardworking momshies become better in managing your home and money. I will share information, experiences, the things I learned and tips. I will share also resources that our family still use to this day so you can help your families to get out of debt without the overwhelm. It is also the goal of this blog to glorify our faithful God who is our source and the reason why my family is still standing strong today.

Thanks for dropping by momshie.

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If you have a question that I can help you with, feel free to leave me a note below. I would love to help you in the best way I can.