Last April, I wrote about an article about my upcoming Good House Keeping Magazine feature on the Money Makeover section. I received an email from one of the writers of the said magazine inviting me to share my expertise in the field of finance and money management. She gave me a series of questions by email and I answered it to the best that I could. Today is the month of July and I was so excited to buy the magazine as this would be my first time to get featured in a magazine. I visited

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Are you a shopaholic? Are you a frequent shopper? Is shopping your hobby? Are you always on the hunt for finding great deals and worth bargains? Leave the mall behind and you might be surprised how far you can stretch your peso. Being on a fixed income doesn’t mean you have to live meager life. Try savvy shopping at consignment stores, flea markets, thrift stores, and yard sales. There’s probably one in your neighborhood. Try to find these stores and you’ll definitely get more bang

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Debts - they are there to make our lives miserable. They are the cause of financial problems. They command us to work for the rest of our lives and become corporate slaves. Some people lose their insanity because of too much debt. Some commit suicides because they are heavily burdened by a lot of debts while some get into jail because of non-payment of their debts. Yet if you know how to manage your finances, you can live a debt free life.   Here are some great advice for changing that and

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All work and no play can make us lose our sanity. In the cash flow game, there are doodads. It represents our expenses on entertainment and leisure. From time to time, we must enjoy our hard earned money. From time to time, we must treat ourselves to entertainment. This does not mean that we must spend all our hard earned money. You can splurge yourself to entertainment without having to spend too much money. Enjoy a thrifty night on the town by following these frugal tips.   Know before you

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Managing your money is the best way to educate yourself to become financialy intelligent. You are the best manager of your own assets. Learn how to take charge of your own money and stop supporting lenders and retailers with cash that should be supporting you and your loved ones. Here are some of the smart ways to manage your finances to reach your financial goals and become rich in the end. As they say, the early bird catches the worm.   Set goals for your gold. Set specific goals. Decide

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Do you ever wonder what’s the cause of the break up of marriages? It’s usually the subject of money. What if the breadwinner gets downsized? What if he lost his job? Schools usually teach Scholastic Aptitude Test (SAT). You want to know how good you are in reading, writing and arithmetic.  These are very important skills. And depending on how well did you perform in SAT, the  next thing schools focus on is the Professional Aptitude Tests (PAT) to know whether you’ll

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Water and electric utility bills consume a huge chunk of our monthly budget. Utility costs can hold you hostage. You want to lower them, but you also need water and electricity to live. Never fear because you can cut your bills without cutting corners. And with these frugal ideas on how to cut your water and electric bills, you can not only conserve water and energy for the environment but also you can save thousands of dollars each year which you can invest for a passive

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Dissatisfied with the terms of your current credit card? Think of ways how you can get credit card companies to waive fees, lower your interest rates or increase your credit limit. Pick up the phone and try calling them right now. Anybody can do it. It takes persistence, organization, and patience. You also need to have credit options. You need to be able to transfer your credit balance to another credit card and fire your current credit card bank. Choose the best among them.   Get tough.

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Becoming a millionaire involves discipline, hard work, and financial education. A lot of us are dreaming to become a millionaire and I was one of those. That is why I simply created this blog entitled Millionaire Acts – to know how a millionaire acts and to mimic their success. Based on the book that I read entitled “The Millionaire Next Door” in which the authors conducted a study on how millionaires live, we can deduce what these millionaires undertook to achieve their

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I was glad because I was recently contacted by someone from Good HouseKeeping Magazine of Summit Media to offer advise and tips for their Money Makeover piece. It was a piece requiring tips on the situations provided by their readers. Let me share to you two of the four questions I have answered. I cannot wait because they said that the issue where I will be featured will come out this coming month of July. So to all my readers, thank you for the continuous support. Let’s also watch

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Are you planning for your retirement? The earlier you plan, the more successful your plan will be. Retirement planning involves a lot of sacrifices, discipline and hard work. You want to live a good life in your golden years. What if you are about to retire in the next 10 years? But you haven’t save enough? Where do you start? Early retirement is the goal of many. Here are some of the simple advices to successfully enjoy the retirement of your dreams.   Estimate expenses. Take charge. Do a

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Quizzes are now becoming a lot more popular nowadays. In facebook, there are so many quiz applications from a quiz on your personality, moods, hairstyle, songs, movies, etc. Upon browsing Salve’s Money Smarts, I recently took up the Money Personality Test that I found. And the results are quite accurate as for me with regards to my personality on money. The results said that I am a “Micromanager”. What does it mean? Read the description below: Micromanagers love planning,

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