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 challenges Kids with low self-esteem …
A lot of my students lately asked me how to calculate or determine their wheel-over point. Since most of them are onboard 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 it. Thus, I decided to write …
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 people especially the mommies who …
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 them grow in loving God …
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 can’t believe that I did …
If you are a busy mom just 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. Sometimes, I feel that …
”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 this post I will tell …
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 percent borrowed in the past …
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 lot of various effects from …
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. But we don’t want it …
