Times are tough nowadays. There are a lot of job layoffs and salary freezes. Companies are squeezing their budgets so employees are multitasking as of now performing two or more job responsibilities more than they usually do without getting enough salary increases. If your job responsibilities have changed and grown, you should address this situation with your manager as soon as you can. If you don’t you’ll only build resentment and also miss a valuable opportunity for

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I am not yet a parent but in the not so distant future, I will be. As a parent, you want to give your children the life skills to survive on their own when they grow up. Part of that is teaching them about saving money. How do you do that? You have to teach them intentionally! Work. Work is how money is made. There has to be an emotional and intellectual connection between work and money. Because this connection needs to be emphasized, you should never use the words “allowance”.

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During your “single years”, you have plenty of time to enjoy the things that you want in life. However, as soon as you grow older and decided to change your status from single to married, you will have more and more responsibilities. When you get your own home, you will be exposed to a lot of expenses. These expenses can eat a huge percentage of your savings. However, there are some things that you can do to help reduce your expenses. Here are some of the general frugal tips you

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We’ve talked about the current recession before and we know that the main thing that triggered it is the subprime mortgage crisis which originated from several investment banks. But what about a more severe economic downturn called depression? According to Wikipedia: In economics, depression involves sustained, long-term downturn economic activity. While recession is seen as a part of a normal business cycle, depression is a sustained recession. It is characterized by abnormal increase

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There comes a lot of times in life that you need a contractor. When you need house repair, you need a caprenter contractor. When your bowl was clogged, you need a plumber contractor. When you need a repair on your computer, you need a computer technician which is also a contractor. The most important step in any renovation or repair is finding the right contractor. Choosing the contractor is key to the success of the project, no matter what the project is. Getting someone who is reliable,

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I’m sure you are now all familiar with the movie “Slumdog Millionaire” by Danny Boyle. It gathered the most number of awards from the recent Oscars Awards. It’s all about the story of Jamal Malik, an 18-year old orphan from slums on Mumbai in India. He joined the Hindi version of “Who Wants To Be a Millionaire?” game show and won. With the whole country watching the show, he is just one question away from winning the grand prize of 20 million rupees.

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It was one of my most unforgettable experience. In our 15-year stay here at Metro Manila, it was the first time that floods went that high. There were only two instances that flood entered our house, the first one was with Typhoon Rosing way back before. It was Friday night when a long and steady rainfall started. At first, I thought it was just a normal rainfall. I woke up Saturday morning and it was still raining hard. Around 2PM that day, the water started to enter our house. It came from

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Nowadays, with the global financial crisis, finding a job is really hard. With a lot of unemployed people looking for jobs, you would have to compete with them. But what if you suddenly received a call or a letter from a company asking you for a job interview. Hurray! Your CV passed and you’re now moving on to the next step and have got through the door. You have to assume now that what they read on the application form, in your covering letter, and on your CV has illustrated that you

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Almost all of us have childhood dreams. When our parents ask us what we want to become when we grow up, some would say: “I want to become a doctor someday.” “I want to become a lawyer.” Or some would say “I want to become a famous singer or a famous Hollywood artist like my idol!” I want to point you out to a remarkable speech by Ryan Pausch, Professor of Computer Science in Carnegie-Mellon University who has pancreatic cancer and died last July 25,

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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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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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