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The One Question that can Save Money

Tagalog Version (Click Here)

“No man is rich whose expenditure exceeds his means; and no one is poor whose incomings exceed his outgoings.” – Thomas Chandler Haliburton

Last Sunday I went to the SM Aura, Market Market, and Bonifacio High Street area to buy a ceramic non-stick frying pan for my family. While shopping, I thought of the things I wanted to buy for myself. That was when I learned the lesson here.

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3 BIG reasons to Avoid Bad Debt

Tagalog Version (Click Here)

“Debt is like any other trap, easy enough to get into, but hard enough to get out of.” – Josh Billings

One step forward, two steps back. You might think that borrowing money and maxing out your credit cards is fine, but it’s not. It seems harmless at first, until you borrow again, and again, and again, and suddenly you’ve accumulated a mountain of debt. Whenever you’re tempted to overspend and borrow money, just remember these three reasons on why you should just skip unnecessary purchases and avoid bad debts.

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The Biggest Mistake you can make Before Investing

Tagalog Version (Click Here)

I remember joining a forex trading seminar several years ago, and the instructors taught the basics of how trading currencies work. Among the lessons we learned were how the markets work, how news and economies affect exchange rates, and other lessons such as the difference between the buy and sell price of currency pairs (it’s called the “spread”), how to use the MT4 program, and more. The event lasted well into the evening due to the amount of information that was taught. It was even more educational because of what I learned from the people I talked to afterwards.

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It’s your right to be Rich and Successful

Tagalog Version (Click Here)

Stress from work, bills to pay, and all sorts of problems popping up every day. All of them can make life seem hopeless sometimes and you probably think that what you have now, a life living paycheck to paycheck, is all that you’re ever going to get. You could even think that mediocrity, failure, and even poverty are all normal.

Well, they’re not.

What you SHOULD have and what you’re DESTINED to have is wealth and success. It’s your right to be rich, and no matter how much you think otherwise, you are deserving of it as you work to earn it. Remember these quotes if you ever start to doubt that.

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Making money on the side: Business Ideas and Other ways to Earn Money

*This article contains affiliate links.

Tagalog Version (Click Here)

Sometimes, simply imagining possibilities can show you opportunities that you’ve simply never noticed. Are you stuck in a rut? Do you want more income to cover all your bills, debts, and other expenses? Do you want to just branch off and do something different from the 9-5 rush, even if it’s only for the weekends? Try brainstorming for small business ideas and other ways to earn more income. You’re sure to find opportunities for making money on the side once you start searching for possibilities, so why don’t you start here for a little inspiration?

*Take note: These are ideas I got from a Monday morning brainstorming session. Just imagine the things you can think of on your own or with your friends when you have more time.

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Holes in your Wallet? How to Start Tracking, Cut Expenses, and Save Money

Tagalog Version (Click Here)

“Annual income twenty pounds, annual expenditure nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pound ought and six, result misery.” – Charles Dickens

Can you save a sinking ship if you don’t know where the leak is? Can you save money if you don’t know how it all disappears? One of the best and simplest ways to cut expenses is to record where your money goes and THEN reduce wasteful spending. After that, compare your expenses with your income and slowly lower it until you make far more than what you spend.

Personally, I’ve found that a simpler version of Vicki Robin and Joe Dominguez’ technique from “Your Money or Your Life” works best, and I’ll show you how to use it here.

*By the way, you can either create your own file, or you can use the free template that I’ll share with you later. I’ve personally used it since 2009.

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Will your Kindness and Financial Success destroy your family?

Tagalog Version (Click Here)

“Why should we work hard when you’ll give us free stuff anyway?” Buckle down for a moment as this might be a painful lesson if you’re already financially successful (or on the way there). Even though wealth and financial success allows you to help others (family, friends, and beggars) more easily, too much of it can backfire. Instead of giving them wings to fly, you might make them dependent on your handouts.

“In general, I am opposed to giveaways and handouts. They take away initiative and responsibility from people. If people know that things can be received ‘free,’ they tend to spend their energy and skill chasing the ‘free’ things rather than using the same energy and skill to accomplish things on their own. Handouts encourage dependence rather than self-help and self-confidence.” – Muhammad Yunus, Creating a World Without Poverty

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10 Pinoy Bloggers you should learn from (Finance and Investing)

Everyone has a story to tell. We all have our own unique talents, experiences, and specialties which we can all use to help others, and bloggers are no different. Even though the subject is the same (personal finance and investing), the wisdom we share and the knowledge we can learn from each other are all unique. I’ve been following several blogs ever since I started writing, and these are some of the ones I enjoy reading. Come on and check them out! You might learn something new.

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Best ways to Save money: 5 Simple Tips on Buying QUALITY

*This article contains affiliate links.

Tagalog Version (Click Here)

New shirt, new shoes, new bag, new stuff… because the last one you bought didn’t even last three months. Buy cheap fake products and they break, so you buy another and the same thing happens. Not only do you waste your money on trashy items, you also harm the environment with the garbage you’re producing. If you want to avoid that hassle and disappointment, then you can learn some of the best ways to save money by buying quality. Stop buying a hundred cheap products and save it all for a few excellent ones. It’s cheaper in the long run, and here are five quick tips to make things cheaper.

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