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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As a blogger, you have to do social climbing. You have to interact with fellow bloggers. And in recognition to their outstanding efforts in the blogosphere for the year 2009, I am casting my votes for the Top 10 Emerging Influential Blogs for 2009 project of the influential blogger Janette Toral. I would like to reiterate that I was not influenced by any other form of campaign nor I was compensated for my nominations. These are my own choices as my entry to the project and I would state the

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You’ve been in the world of investing for some years as of now. But you haven’t reaped your desired returns. What lessons do you need to learn? What can you do for your money to work for you? Here are some of the principles of modern finance, which I got from the book that I read and can definitely be of help to you in investing your nest eggs wisely so as to avoid the worst financial blunders. These lessons can help you about your personal investment decisions. Lesson 1: Know your

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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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Are you a frequent shopper in grocery and supermarkets? Do you want to save money while shopping in supermarkets buying the goods that you need from foods to other grocery items? With the current global financial crisis, we really need to do a lot of saving. We need to save our paychecks. We need to budget our money. And the latest money saving tips I will give is on how to save your money while doing your regular shopping in a supermarket.   These are some of the thrifty tips that could

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It’s not how much you earn but how much you are saving. No matter how high the amount you are earning, if you couldn’t just save, then your future will be dim. The ultimate goal is earn more and spend less. Don’t give in to the cultural temptation to buy more and more things you don’t need! In my earlier posts, I made an article on how to save more money by saving your monthly paychecks. Now, I’ll share some ways to spend less money in shopping. You can cut back on unnecessary

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In my last article on credit cards, indeed credit cards can be friends and allies in achieving financial freedom if you know how to use them properly. But without discipline, it can be your worst move to avail them as they can literally be a ‘blackhole’ that can drain your finances. Being in a good credit standing, I have received a lot of offers from credit card companies. Usually, I will be interrupted at work by credit card telemarketers and they will offer me various credit

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