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 …
25 Great Bible Verses to Encourage Parents
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 …
Journey to Debt-freedom Update : May 2018
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 …
7 Practical Time Management Tips for Busy Moms
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 …
Top 6 Reasons Why We Need to Get Out of Debt Faster
”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 …
How We Paid Off Over P 450,000 Of Debt in 6 Months
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 …
8 Practical Tips to Remove Unnecessary Stress in Our Daily Lives
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 …
5 Important Things to Check Before Your Car Hits the Road for a Long Trip this Holy Week
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. …
How to Make an Effective Zero-Based Budget During the Pandemic
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 …
How to Stay In-love and Happy in Your Marriage
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 12th Wedding Anniversary this year. We’ve been through a lot already as a couple. Honestly, this past eleven years of our marriage …