The year 2020 is set to come to its end as December is fast approaching, and we all know what this means — your much-awaited 13th month salary is also coming. But before you proceed to buying random stuff and other expensive purchases, you might want to consider this read that will give you options on where you can spend your 13th month pay wisely and not just squander it. Ponder the following ideas to make the most out of your year-end bonus:   1. Settle your debt Photo from Alexander Mils / Pexels Debt has the huge potential...

What is Emergency Fund? Is Emergency Fund really important? How is it going to help us financially? How should we be able to save up for emergency fund? An emergency fund is a money you save up to set aside and use when unplanned financial expenses occur like family crises which can support the unemployment of a family member, health issues, and an abrupt travel expenses due to serious matter. This can also support personal matters like unfortunate loss of job because of company shutdown or retrenchment, mostly during the pandemic.   "Filipinos are somewhat confident with their finances but...

Christmas. What comes to your mind when you hear that word? Is it about the laughter, joy, and giving gifts? Or do you feel more anxious over money you are going to spend? Let’s face it, as an adult, Christmas can sometimes be stressful, overwhelming, and worrying. This is because we oftentime spend a lot more money than what we actually planned. Some of the causes of overspending is due to the last minute Christmas shopping and not having a plan ahead of time before the season arrives. It’s not just a happenstance that you get to spend more than...

Do you remember the days when you don’t have to worry about the cost of milk? Or when you can just plunk down a three thousand peso bill and walk away with six or more bags of groceries? As we all know, food has the biggest budget for expenses. Most of the products sold on groceries are gradually increasing that could bust your budget for the entire month. For first-time parents especially for moms who do all the budgeting at home, this can be tricky. Photo courtesy of freepik.com To make this easier for first-time moms on a budget, here...

"Petsa de peligro" is still a thing even when you're working from home. You may not be spending on transportation, but you still get to shell out some cash for basic necessities such as groceries and bills. The cost of our utilities have skyrocketed due to the delayed readings caused by the previous Enhanced Community Quarantine, and we may also find ourselves stocking up on food, cleaning items, and toiletries from our grocery trips. Do you find yourselves browsing online retailers and hitting the "add to cart" and "check out" buttons more than ever? Unnecessary spending can reduce the amount...