When I conduct my Personal Financial Management Workshop and I get to the part where I teach participants to budget, most of the time they always say that it’s hard to do it.
It’s not hard…it’s just that you think it’s hard. Change the way you think and everything else will follow. Continue reading “How to Stay Within Your Budget and Still Enjoy”
Every time I tell my Personal Financial Management Workshop participants that they need to make a budget to start with, I always hear comments like this:
“I don’t have enough money to budget.”
“My salary is just not enough for me to make a budget.” Continue reading “How To Make A Successful Budget”
Looking back at what happened to me years ago, I asked myself, “Why a lot of Filipinos are still broke?” I started to list down possible things that may have contributed to Filipinos being broke and here’s my list: Continue reading “Why A Lot of Filipinos Are Still Broke”
You’re probably wanting to find a fast solution to paying off your debt. The truth is, there is no easy way. I even searched online with the keywords ‘How To Pay Off Debt Fast’ but when I read the articles, it will still take many months or years before you can actually pay it off. Continue reading “A Realistic Way To Pay Off Your Debt”
You have probably noticed that I have a fair amount of articles about debt collectors, and that is because I have a lot of experience with them. We share a very ‘complicated’ past together that I have grown fond of them.
As in every relationship, your bond with your debt collector has an Continue reading “How to Pay Your Debt: Dealing With Debt Collectors”
They said that money is relative – when you have lots of it, you have lots of relative. Kidding aside, the truth about money is this – it doesn’t matter how much you earn, it’s how much you save (I read that somewhere).
In this article, I would like to share with you Continue reading “The Concept of Personal Finances (The X-Curve)”
Admit it, life is all about consequences. We reap what we sow.
In this video, I will be sharing with you some possible but truthful consequences when you mess up with your finances.
Continue reading “What Happens When You Mess Up With Your Finances”
You might be in the same situation I was before; we were buried with debt from all sides that we don’t even know what to do with it anymore. Sometimes we just want to stay in bed just wishing that when we wake up all our troubles are gone.
But then again, problems don’t just go away – you have to face it. The first thing you need to really understand when it comes to paying off your debt is Continue reading “How Can I Pay Multiple Debt?”
The fastest way to solve a debt problem is to run away from it, however, the consequence is devastating. Although, in my last article, I seem to give you an idea that you should not be afraid of debt collectors, I still believe that we will reap what we sow. If we don’t pay our debt, we will soon suffer the consequences of our actions. Continue reading “How To Pay Off Your Credit Card: Debt Collector’s Secret 2”
I remember one day, my family and I was about to leave to go somewhere and just when we were about to leave the house, we heard someone coming. I peeked at the window and saw the debt collector just about to bang the gate Continue reading “How To Pay Off Your Credit Card: Debt Collector’s Secret 1”
Are you getting calls from Credit Card companies or debt collectors to the point that you are freaking out when your phone rings? Are you at the point that you already don’t know how to pay off your credit card debt? Continue reading “How Can I Pay My Credit Card Debt”