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 …
I am so excited to share with you our progress as our family takes this journey to debt-freedom. It is now 7 months since we made that decision to eliminate our debt completely. So we had a total of PHP 1,065,000 non-mortgage debt which we acquired last year from a series of bad decisions. I …
If you are a busy mom like me, you know how it feels to think that you are doing so much yet you accomplish so little. It can really be very exhausting just thinking about how to joggle and stretch your time to cater to everything that needs to be done in a day. …
”Why do you need to get out of debt? Debt can be a driving force for you to work harder. It is not forever…why are you punishing yourself?These are the questions that ordinary people throw at us as we started our journey on getting out of debt early this year. But at the end of …
Being in debt is normal in the Philippines. The Bangko Sentral ng Pilipinas (BSP) released the National Baseline Survey on Financial Inclusion (NBSFI)1 in 2015 which is the first national survey of Filipino adults who are actual and potential users of financial products and services. It stated that almost 5 of 10 adults (47.1%) have debt, 33.8 …
Stress is one of the words that I decided to erase from my life’s vocabulary. Although a little of it is good to keep my body moving and doing, but too much of it can cause exhaustion, sickness and worst, death. For many years, I allowed stress in my life making my body suffer a …
A long trip with our family in our car is exciting and fun, especially if we have planned it long before. For sure, our kids and the whole family will always be looking forward to this. May it be Baguio, Subic, Batangas, Quezon, etc. there will always be a sense of anticipation for family trips. …
A budget is always part of our being accountable when it comes to our finances. My husband and I will lay it out prior to every month so we can tell our money where exactly it has to go and not the other way around. Know well the condition of your flocks, and give attention …
I was very wrong when I thought that I will be in a perfect and happy marriage after I married the perfect man for me . My husband and I will celebrate our 10th Wedding Anniversary this year. We’ve been through a lot already as a couple. Honestly, this past ten years was more of …
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 …
