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 …
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 …
A budget is always part of our being accountable when it comes to our finances. Especially this time of pandemic when everything seems so shaky, all the more that we need to manage our finances properly. My husband and I will lay it out prior to every month so we can tell our money where it exactly has to go …
We all know that the income of a seafarer on board is usually more lucrative compared to the income of employees working ashore. So often times, we may think that seafarers are living a really good and easy life. But actually, life on board ship is not as sweet as a piece of cake like what other people are thinking. …
