We are talking too much about frugality and ways to save money here. I’ve enumerated several ways on saving money in different situations - whether be it on work, at home, or during leisure times. It’s not always about saving because sometimes we need to spend to get the economy going. If we don’t spend, then basically businesses will shut down because they won’t be generating any sales. Spending somehow have an impact on how we contribute to our economy. It propels

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Are you a reader of Good House Keeping Magazine? Last July 2009, I got my very first feature under their Money Makeover section. I was happy with the outcome and I was contacted again to further contribute to their growing number of readers.   And so since I knew that my second feature will come out this September, I urgently bought the magazine again to see how it goes. I bought one copy at the nearby Mini Stop in our office. The September 2009 issue Good House Keeping Magazine cover was no

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Are you drowned with debt? Are you having problems in managing your debt? Does it look like that you need to work for the rest of your life just to pay those debts? Well, it’s not too late for you. You must act now not to be burdened by those debts. Of course you want to enjoy the fruits of your labor. You don’t want to end up working just to pay those debts. Here are some personal finance advices for a successful debt management. Control your spending. The ultimate way for managing debt

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Earn more and desire less. These are the words that have utmost importance when you want to achieve financial freedom. No matter how small your income is, if you desire less, definitely you will spend less and you can consider yourself to be “wealthy”. I believe our lifestyle determines whether we will be wealthy and financially free. There are a lot of persons out there who earns a lot but still because of their high lifestyle, however how huge their income is, all are spent and nothing

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Last July 31, I was given the chance to be a resource speaker for the very first financial planning seminar that I conducted. I was at first nervous as this was my very first speaking stint but that nervousness was slowly swallowed as I discussed my topics. It was a success! It was attended by around 50 attendees from our company. I was first introduced as a BS Mathematics graduate from Ateneo de Manila University, mentioned my two former employment background and my feature in Good House

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Bargains are everywhere nowadays especially this time of recession. There are a lot of price drop off because consumers are tightening their budgets to survive the crisis. You can go to your favorite bargain store or you can also shop online through auctions such as EBay. You might just be surprised how many salespeople will drop a price or sweeten the deal to get your business. You just have to ask for them. So I am enlisting some tips to increase your bargaining power to get the item that

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They say that prevention is the best cure to any disease. Bankruptcy as we all know is the worst case scenario for people who want to achieve financial freedom. It’s like a disease that cripples us. Bankruptcy brings to mind a lot of horrible things. In Japan, they used to commit suicide when their business has gone bankrupt. Way back during the stock market crash of 1929, bankruptcy brings to mind a frazzled man in a tuxedo shouting “I’m ruined! Ruined!” before jumping from a high

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Are you planning to have a new car? Cars nowadays can be considered as liabilities. You only buy cars because of the convenience it can bring to you. I myself don’t have a car because I think it’s generally a liability but sooner or later if I have my own family, I think car would become a necessity. The secret to getting the best price on a new car is to know exactly what you want. You won’t learn this from a car dealer. Not having a good idea of what you want before you enter a

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We are all experiencing economic recession. There are low demands of products as consumers cut spending. Companies cut costs thereby closing some of their plant operations and laying off thousand of is workforce. What lessons have you learned so far in this economic recession? What are the things will you do just in case another deep recession comes into our economy in the near future? It is better to be prepared and arm yourself with a weapon to survive an economic crisis. Save for the

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So you have a car. The next thing to do is to have it insured so you won’t pay huge amount of costs for any accident you might have. Most people spend thousands of pesos a year on car insurance. You can slash your insurance costs by as much as 50% by paying attention to the things that influence your insurance premiums. Follow these tips on how you can save more on your car insurance and start saving more money today.   Get more than one quote. Rates can vary a great deal between insurance

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