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, […]

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 […]

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 […]

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 […]

The Contented Fisherman

The Contented Fisherman

                The book of Ecclesiastes never fails to amaze me. Written by the richest person ever to walk the face of the earth, King David’s son, the wise King Solomon. And with all his majestic trappings of abundance, he exclaims with certainty, with finality; “The foolishness of thinking that wealth brings happiness!” – […]

A Story of Two Seas

A Story of Two Seas

                I visited my favorite bookstore last Sunday after church. It is a daily routine I cherish. It is a time for me to feed my mind. Safely hidden in one of the bookshelf corner was this little green book by a certain Frank Mihalic, Stories. This book engrossed me for an hour. […]

How We Should Pray

How We Should Pray

                Don’t pray with the sole motive to get, get, GET. While there is no doubt that your prayers would be heard, you will not get the response you are seeking. Our God seeks a relationship with you. It is His PRIMARY goal. It is the kind of relationship that begins with another […]