Some of us are breadwinners. We work full time, non-stop, looking forward to the next paycheck so we can make allocations to satisfy everyone’s needs. From your salary you get your kids’ tuition, grocery, rent, bills, and other dues. It’s a happy day if something is left when all payments have already been made.
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Your job should make your life comfortable. I say this at the very beginning because even though the very essence of a job is to earn a living, some people actually have jobs which pay less than what they need. Are you scraping for a decent budget every paycheck but you can’t leave your job [...]

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Ah, the ghost of Christmas past. Before the holidays began you were well aware that you have a credit card balance which you know will haunt you in the coming weeks. Yet you have managed bulk it some more when you bought luxurious gifts for everyone, (even shopping items on discounts can total to a [...]

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Hey, it’s the new year and why not put up a post to aid a common new year resolution. I personally committed that I’d be earning a lot more money and be “richer” by the end of the year. And I’m quite inspired to reach that goal for this year. We’ve previously created this post [...]

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What a morbid thing to write about at the start of the year! Sure, but you have to be realistic about things. You’d never know when you’ll kick the bucket, whether it’s from radiation from wi-fi signals or a piano smashing you to pieces while walking down the street. And with death, it can happen [...]

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To some people, the New Year signifies only one thing: more expenses. With a lot less money to burn (because the holidays nearly drained everything), you’re now facing one of the most terrible realities of all time. Indeed it is such a bitch to be penniless before the year has even started, but we both [...]

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I have to admit that I might not have been too wise in approaching this whole holiday thing. I even tried to approach this season with a tightwad philosophy in mind. And everyone dislikes the tightwad during Christmas. Everyone, that is, except yourself. What’s wrong with spending only very little when everyone agrees that money [...]

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I’d be the first one to admit that the holidays has been one stressful and expensive season. Since we’re not about procrastinating here, why not start reconsidering how you approach the holidays right now. That would give you a way of a headstart by next year. You save time. You save money.

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So after 20 or so years working your ass off from rank-and-file to corporate macho, you finally have the capital to start your own business. A lot of people are just like you. Raring to go to finally create a booming business that’s all yours. And yet so many fail. Why? Here are common traps [...]

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Your gifts need not be expensive – but your recipients don’t have to know that. If gift-giving is important to you but you don’t want to spend a big portion of your savings, or if you simply have some extra stuff good enough to be given away, then there’s no need to buy new stuff. [...]

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This is sale season. Malls and stores are rolling out new discounts and promotions where you can get quality merchandise for less. Don’t miss these super shopping savers. You won’t feel any regret when you splurge for bargains.

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We have to be prepared for things like these. Sure, it’s morbid but preparing your will is a must if you are pushing middle age, has some assets and family members. While it’s easy to draft a will and hire a lawyer to execute it, you have to take caution that your beloved family will [...]

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It’s really crazy when you’re broke. Aside from the bills that just keep on mounting, you got to eat too, right? It’s really frustrating when you run out of cash but still, there are ways to manage these things. Remember that if you still have a job (or some form of income), you can readily [...]

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Are you an aspiring businessman? To be honest, being an entrepreneur is becoming a more attractive option than being a desk monkey. If you’re tired or everyday routines of a regular employee, then running a business could be the better option for you. If you seek freedom from the office and from your boss then [...]

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Starting up a business is tricky, but maintaining your gain could prove to be trickier. If you have started your own brilliant business venture you will soon dream making it bigger. Like a parent to a child, you can’t just wait for your small business to grow. But is it time? Start sketching your business [...]

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