Are You Buying Things You Don't Need?

Are you buying things you don't need?

Not Earning Enough Or Just Spending Too Much?

How To Determine if You Are Not Earning Enough or Just Spending Too Much.

5 Days before payday... tiningnan mo ang wallet mo ... patay! YAIKS!!! Wala nang laman!?! Saan napunta ang pera ko?

Where did my salary go?

I was like this for many years, specially on my early years as an employee.  I was always excited when I received my first salary. We celebrated that night, drank a case of Red Horse beer... dalawa lang kami. Dahil lasing na, nag-taxi na pauwi. A few days before the next payroll, my wallet is already empty and had enough money for the jeepney fare for a few days.
So, in order to have lunch, utang muna! Pagdating sa hapunan, punta sa suking karenderya at... syempre utang! 

Buti na lang kung minsan nagpapadala pa ng pera ang parents ko noon, at least hindi ako nabaon sa utang!

How Do I Get Out Of My Debts?

Are You Buried in Debts?

Me utang ka ba? Or Marami ka bang pinagkautangan? Or Masyado nang malaki ang utang mo? You have bills to pay, left and right, loans to pay, credit card debts ... You are deeply buried in debts that you are having sleepless nights wondering "How can I get out of my debts?"

If you asked yourself that question, hindi ka nag-iisa. I, too have asked that question. Now I am in the process of getting myself out of my debts; and that's what I wanted to share with you. "How am I getting out of my debts?"

You may be thinking, the only way to get out of you debts is by having more money.,. bigger salary, a business, winning the lotto, or bingo... 

How I Prepared For My Journey To Financial Freedom

Books that helped me improve my financial literacy

Just like on any long journey that you take, it is always best to prepare yourself for it. You determine where you want to go, how to get there, how long will you travel, how many clothes are you going to bring with you, how much money do you need and other things you need to prepare.

Before I started my journey to reach my financial freedom. I spent time preparing myself for it. How did I prepare myself for this long journey?