If you have removed gym membership from your budget with the goal of saving more this year, here are a few tips on how to stay fit–on a budget. Walk more. If you are one of those people who drives to work or commutes to work, you might want to ditch the car for awhile and walk or sprint from the parking lot to your office. While sprinting might race your heart...

Like alot of Finance Bloggers, I also encourage the use of the “envelope system.” The envelope system is a budgeting method wherein your spending money is divided into budgeting categories and cash is designated for each category. I use an small accordion envelope for this purpose. But if you do not use cash, but use debit or credit cards, then Money...

Commerce is the art of exploiting the need or desire someone has for something. -Edmond de Goncourt (1822 – 1896) French novelist and diarist. Le Journal des Goncourts (co-written with Jules de Goncourt) It is so obvious that businesses thrives on consumerism. Consumerism is the attitude that values the acquisition of material goods. I did our last...

How do you usually prepare for the celebration of any of your family members? I know this is a hasty generalization, but most Pinoy tends to break the bank in order to celebrate their birthdays. But with this strained economic time, lavish birthday parties is simply out. So how does a frugal mom plan and celebrate their children’s birthdays? Honestly, not...

One of the key in having a successful budget spending plan is having a weekly menu and following it to the tee. So, how can you effectively make a weekly menu? In my case, I only shop once a month, so instead of a weekly menu, I make a one month flexible menu. Flexible meaning I am amenable to inter-changing the menus since I have 4 children to feed and sometimes I...