Kung Maibabalik Ko Lang

Ang pamagat ng kwentong ito ay hiniram sa isang napakasikat na kanta nung 1980s. Ang una niyang linya ay “Sayang ang mga sandaling pinalipas ko…” Bagay na bagay sa usapan natin. Ang ikekwento ko ngayon ay hindi kwentong pag-ibig. Ito ay ang kwento ng mga leksyon na sana’y natutunan ko nung kabataan ko, para mas napaaga ang pag-alaga ko sa aking ipon.

Kung maibabalik ko lang [Read more…]

Tipid Araw-Araw

Mahirap magtipid. ‘Yan ang iniisip ko dati, kaya naman hirap talaga ako magtipid. Pagdating ng sweldo, kung anu-anong style na ang sinubukan ko. Nasubukan ko ang “50/30/20 budgeting rule.” Ang ibig sabihin nito ay maglalagay kayo ng 50% ng inyong kinikita sa mga necessities or araw-araw na pangangailangan tulad ng pagkain, kuryente, upa sa bahay, damit. Ang 20% naman ay ilagay sa long-term savings o pambayad ng utang, tulad ng car loan. Ang 30% naman ay para sa “lifestyle choices.” Ito yun mga hindi naman kailangan talaga ngunit nakakapagbigay saya kahit papaano – pagkain sa labas, bayad sa cellphone, bakasyon, etc. Sinubukan ko ito ng ilang buwan at epektibo naman ito.

Pero may isa akong natutunan na technique na mas epektibo. Ito ay ang pagtala araw-araw ng aking gastos.

Sinubukan ko ito noong Pebrero. Bawat labas ng pera sa aking bulsa ay tinala ko sa isang maliit na notebook. Heto ang ilang mga halimbawa mula sa aking mga record:

Tipid Araw Araw
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Right-Sized Living

Right Sized

…it’s not even always about living small, rather about living “right-sized.”
~Sarah Susanka, Frugal for Life

Such a fresh perspective to not spending more than what you earn, to enjoying the fruits of your labors without sacrificing too much.

Sometimes I’m guilty of scrimping too much. I scrimp too much to the point that I feel bad about what I earn, bad about how I budget, bad about the way I spend. The truth is, I have a pretty good budget plan. It’s just that I get too hard on myself and end up getting the cheapest buys, getting plans that use the least amount of money possible.
Cheaper isn’t necessarily better though.

right sized living


There was a time when I wanted to move to a smaller apartment, so we could save on rent money. A smaller apartment would mean less space, lower ceilings but lower cash outlay every month. The savings would look so good on our budget plan. But how about the claustrophobia? How about my tall husband? How about the space we need to breathe?
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Top 3 Money Resolutions for 2015

The New Year promises a fresh start for everyone. That is why a lot of Filipinos during this time formulate resolutions to help them establish goals, make some changes, and improve their lives.

The biggest challenge comes the month after, when old habits try to find its way back. Aside from having resolutions, they need to have enough willpower so they can stick to their game plan. The same principle applies in handling money.

In 2015, we want our followers to be smart in handling their money – on their way to financial freedom. If saving money is one of your resolutions, make sure you master these things first in order for you to do it successfully.

money resolutions
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3 Reasons Why You Should Attend the PESOS AND SENSE Seminar Series


“I want to invest but I don’t know how and where to.”
“I want to invest in the stock market because I’ve heard it’s easy to make money. But I’m scared I might lose all of my savings”
“I want my money to work for me. I want to get rich. But I’m not sure how to get started.”

Do all of these thoughts echo in your mind right now?

Well, you’re not alone.

We all want to have a better life and a much more stable financial standing. We all want to stop worrying where did all our money go and become financially sufficient instead. The thing is, how and where should we get started?

[Read more…]

Your Basic Guide to Pag-IBIG Fund

We all know what Pag-IBIG Fund is, most of us have it. But do we really know how it works?

Pag-IBIG is an acronym for Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya, at Gobyerno. It was set up by the government to assist the working class in buying a home. The fund covers all working Filipinos both here and abroad. The required contribution is at least P100 per month. If you like, you can contribute a bigger amount. OFWs can choose to pay a yearly lump sum.

pagibig [Read more…]

How to Save Money by Keeping Your Home Tidy

How to save
Can a clean home really help you save on money? It certainly can! If you look around your home, you’ll probably see cherished objects decking each room. While these mementos make you go “awww”, you’ll find that the more you add to this sentimental collection, the more clutter will build up. Streamlining your home’s décor and keeping it neat not only frees up space, it will also help you save money! Here’s how a neat home can help you save money:

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10 Money Tips for the Holidays


The holidays are just around the corner. As a mom, I’ve realized that Christmas can be both fun and stressful. It’s fun because it’s a time of gift giving and reunions, yet stressful because of the hectic schedule and budgeting. As a mom of three young kids, I had come to realize that this holiday requires some financial and practical planning. Here are a few tips from me and my other mom-friends:

10 tips
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Stepping Out, Stepping Up!

Credit debt

A lot of people are now suffering from growing and overdue debt because of their credit cards. I want to share that this problem can actually be overcome.

My wife and I have been battling with credit card debt for almost 8 years.

We accumulated our debt while we were still single. It continued to pile up when we got married. Since we were so excited with having money (electronic), aba, swipe dito at swipe doon!

It was only later on that I realized that we were so deep in debt!

Debt Blog

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