You may ask “why live frugally.” The answer to this can be numerous. It is really advantageous to practice frugal living as frugality and your personal finance go hand in hand. Frugal living also helps you to spend much less than what you earn. Moreover, the less you spend the lesser will be your need to earn more. Another advantage of frugal living is that you...

Lots of people detest credit cards, however in actuality, if they’re utilized appropriately, they may be quite beneficial to you financially. Although I am one of those who feels that we can do without credit cards, there are some undeniable advantages with credit card use.   The truth is that by exercising self-discipline whenever using credit cards, it is...

This transplanted contributor lives to travel and thinks Venice is a treasure beyond descriptive words. Pedestrian Florence is a very close second favorite. Rome deserves another visit, if the only to people-watch! She now lives 3 blocks away from the mall that once was the biggest in the entire world…the northern frozen world, anyway. If you are lucky...

I have not been good lately.  I have neglected blogging because I was busy with webwork.  Suffice to say that financially we are okay but not too great because I have used up one of my emergency funds.  You see my family‘s primary income comes from the monthly lease of our home in Manila, and since our lease contract ended last month, we do not have any...

I have started several accounts in our local FICCO months ago in an attempt to start my children’s savings account.   What is amazing about opening an account in FICCO is that you can open an account with as little as P50.  So there go your excuse that it is just simply  difficult to open a savings account for your children. To encourage my children and get...

One of the many obvious and effective marketing and selling scheme continuously used by department stores, electronic shops and appliance centers is baiting customers into buying their wares through installment payments. Credit card companies’ logos and supposed “easy installment plans” usually lures customers into buying things that they simply...