Kurot Principle

Kurot Principle

Last time, I discussed the first principle in budgeting. Ito ay ang Piso ‘Yan Principle.  Now, let’s go to Principle No. 2: Kurot Principle. Ano ‘yung Kurot Principle? Ay, ang ganda nitong Kurot Principle na ito. To better understand this, I will […]

Piso ‘Yan Principle

Piso ‘Yan Principle

Nakakita ka na ba ng taong nag-planong sirain ang buhay niya? Malamang, hindi pa. Pero bakit maraming taong sira ang buhay? Kasi, hindi sila nag-plano ng kanilang buhay.  Ang sabi nga nila, “People don’t plan to fail, they just failed to […]

Conjugal Spending (Part 1)

Conjugal Spending  (Part 1)

  In our seminars, we usually ask, “Sino sa inyo ang magastos ang asawa? Itaas ang kamay. Eh sino naman ang mas magastos?“ Ayan, kayo pala ang problema! Naalala n’yo ba noong kinasal kayo… few years ago? (Ang iba ay few […]

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. Hindi po madaling pag-usapan ang […]

We Broke UP!

Found on funcheaporfree.com

I’ve discovered in my life that whatever I ran away from, I will eventually go back and face. There’s no escaping the hard lessons. Ignoring it doesn’t work, avoiding it doesn’t work, refusing to confront or deal with it doesn’t […]

Less is More This New Year

Photo by nuchylee on freedigitalphotos.net

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, […]

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 […]

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 […]

Tips for SALE

Tips for SALE

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 […]

Get Ready for Christmas Shopping

Get Ready for Christmas Shopping

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 […]

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 […]

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 […]

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, […]

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 […]

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 […]