Frugal Tip # 6: Bring Your Own Water

Whenever we go out recently, either for leisure or for our side business, we see to it that we bring  a bottled water for two or a jug of water for the group.  It is more convenient to have a water container on hand than looking for the nearest convenient store to buy a drink…

How Much Is Your Worth?

I’m talking about personal networth.  Since 2009, I’ve been computing my personal networth via a spreadsheet.  I listed down all my assets, investments, savings then subtract all of these from my credits and other liabilities. Sad to say, I’m in the negative. How did that happen?  If I had been aware of my networth about…

Attacking My Credit Card Debt Update I

Every since I could remember, I have all the intentions of getting myself out of the credit card sink hole.  That was year 2009 and up until know, I am still buried neck deep [and barely breathing].  My ambitious target then was to cut my credit card debt in half.  Four years later, my debt…

Be a Budget Slasher

I’m happy with the way things are going in my budgeting.  It’s like having a newfound skills just like driving, where it brings you into a new territory and you get to explore it.  I’ve been budgeting ever since I started working here in Manila.  I started with a tickler, a handy pocket notebook that…

Frugal Tip # 5: Cut Back on Hair Cuts

Ever since working in the corporate,  I got used to having my hair cut done in hair salons in the malls.   It’s expensive but I didn’t mind because I was thinking these are professional hair stylists who have years of experience in giving you the best hair cut.  A senior hair cutter at David’s charges…