The Joy of the Master

The Joy of the Master

I love reading the parables; they’re just my favorites. Simple and yet profound. I love stories, and I like how Jesus tells them. I think Jesus is the greatest storyteller, and I certainly know you agree. Do you remember the Parable of the Talents? It’s found in Matthew 25:14-30. Remember what the master said to the servant who had been […]

Four Deadly Ds of Debt


Image from Free Digital Photos

“Jun,” an OFW, sent me a private message today to ask for help. Mukhang di na niya talaga kaya ang mga nangyayari sa buhay niya. Ilang taon na siyang OFW pero hanggang sa ngayon, lubog na lubog pa rin siya sa utang. Sa dulo ng kaniyang email, nabanggit niya ang pagpapakamatay. My heart immediately grieved for him. If Dubai was […]

Tips for SALE

Found on internationalvisual.wordpress.com

Karamihan sa ‘ting mga Pilipino tuwang-tuwa kapag nababasa ang salitang “SALE.” Para kasing may magnet ang salitang ito sa ating mga mata, ano po? And we would not stop thinking about it until we are actually two feet away from a signboard, staring at the merchandise and ready to buy. Alam ba n’yo kung bakit karaniwan eh pula ang kulay […]

Get Ready for Christmas Shopping

Found on thebudgetdiet.com

If you live in the Philippines my guess is you’ve already made your Christmas gift list.  Notwithstanding any Christmas cash you can get your hands on, you’re probably getting ready to brave the malls, fill the shopping carts and queue up the long line to the cashier. Hold on, read this before you check your shopping list twice. Have a […]

How Does One Get Out of a Financial Rut?

How Does One Get Out of a Financial Rut?

Have you lost hope that your finances could improve? Do you want to know the secret of being a blessing and favor magnet? Jeana cannot bear the sight of her sick family members. Her husband’s Php100 daily income from being a tricycle driver is hardly enough to provide three balanced meals for her family. Hence, she cannot buy medicines whenever […]

How to Save on Utilities (Part 1)

How to Save on Utilities (Part 1)

Kapag nakatanggap ka ng billing statements, ano ang pinakaimportanteng impormasyon na dapat ninyong tingnan? Amount? Consumptions? Due date? Hindi! Ang pinakaimportanteng bagay na dapat n’yong tingnan ay pangalan at address, baka hindi naman sa inyo ang bill. Baka naman iyan ay sa kapitbahay ninyo, lalung-lalo na kung kayo ay nakatira sa hile-hilerang apartment or townhouses. Madalas, nakapangalan iyan sa may-ari […]

What Kind of ‘Moneyger’ Are You? Part 2

What Kind of ‘Moneyger’ Are You? Part 2

Last week, I introduced to you two kinds of “moneygers”—the Survivor and the Pretender. The Survivor, as I described in Part 1 of this article, is the moneyger whose expense level is almost just equal to his income level. Meaning, if he receives P10,000 a month, he also spends P10,000 for his monthly expenses. Remember the Gloria Gaynor song I […]

What Kind of ‘Moneyger’ Are You? Part 1

What Kind of ‘Moneyger’ Are You? Part 1

Do you know that whoever you are and whatever you do, you are a MANAGER? Yes! YOU ARE A MANAGER! I’m sure many people will agree with this. And for us to handle money well, we need to determine, first and foremost, what kind of Moneyger we are. For many years now, I have learned that there are four kinds […]

Living a Life of Faith

Living a Life of Faith

How far are you willing to step in faith? Would you still act and speak of your faith even if it seems like you’re hanging on a thread, with uncertainties lurking around you? Ailene Tumabaga of Caloocan discovered that faith does not require the blabbing and bragging of it. It’s actually “walking” by faith that taps on heaven’s gates to […]

When Ten Equals a Hundred

When Ten Equals a Hundred

Tithing can be a struggle for many, and for some, even debatable. But for Richard of Pangasinan, tithing is his pledge—his lifetime commitment. For Richard, giving to God is his own way of saying “thank You” to Him. Little did he know, his “tenth” is worth more than what he thinks. Richard’s First Fruits As a freelance cartoonist and artist, […]

Financial Tips for Couples

Financial Tips for Couples

Couples should work hard to find ways to talk about money. It’s not the most romantic subject, but it is very important to settle our view, opinions, or rules in handling personal or conjugal money. It is also important that both husband and wife understand that it will never be “my money” or “your money” but “our money.” When you […]

Coping Financially After a Job Loss

Coping Financially After a Job Loss

I’ve often been asked, “What do you do when you lose your job? You certainly cannot stop the bills from coming on time.” Good question. And we also cannot ignore that the situation will bring extreme stress to the family. I’ve been there. I’ve experienced it. I had my doubts, fears, and troubles. I’ve thrown a fist at God and […]

Less is More This New Year

Less is More This New Year

God certainly has a plan to help you overcome your financial struggles. He loves to help you get out of debt. He has never thought you needed to be in debt in the first place. He says in Philippians 4:19, “And my God shall supply all your needs according to His riches in Christ Jesus.” HE is our Provider. Okay, […]

Go To Church

Go To Church

                A Christian wrote a letter to the editor of a newspaper and complained for all to read, that it did not make sense to him to go to church every Sunday. “I’ve gone for 30 years now,” he wrote, “and in that time I have heard something like 3,000 sermons. But for […]

Is Heaven part of your debt solution?

Is Heaven part of your debt solution?

                I believe in the wind, even though I cannot see it. I know without it, I will die. No matter how much I inhale, how hard I inhale, how often I inhale… if there is no wind I will naturally die. I was designed this way; it is not a flaw, but […]