Home Financing: Which Is Best for You, a Pag-IBIG Loan or a Bank Loan?

Home-ownership is a major aspiration for most working Filipinos and their families. However, the majority of people who dream of owning property seldom have enough cash to immediately pay for a house in full. This is why many turn to housing loans for their property purchase. In the Philippines, it comes down to either turning […]

7 Disadvantages of Being Too Frugal: Why You Need to Loosen up at Times

Image via: flickr Living a frugal life isn’t bad, but overdoing it can certainly have its repercussions. Being strategic and planning all your expenses without reflecting on your actions can defeat the whole purpose of living economically. Focusing on just the numbers can take the fun out of your life. What’s more, putting too many […]

What Moves You: The Hidden Story Behind Traveling Alone

A lot of people do not know how to be alone. Some are scared, some feel lost, some feel lonely, and some just feel awkward. Imagine if we elevate that to traveling solo — alone in an unfamiliar territory, surrounded by people you don’t know, trying things for the first time — all by yourself. […]

The very first time that I used my @agoda reward points was in this #hotel. If you are constantly traveling and would love to instantly book a room online, I highly recommend Agoda.com. So many accommodations to choose from and you can often get discounts if there are promos. The more you book, the higher your reward points which you can use as payment in your next booking. #agoda #hotel #onlinebooking

The very first time that I used my @agoda reward points was in this #hotel. If you are constantly traveling and would love to instantly book a room online, I highly recommend Agoda.com. So many accommodations to choose from and you can often get discounts if there are promos. The more you book, the higher […]

How to Save Money during the Year to Go On Your Dream Vacation

For too many people, going on a dream vacation can feel like an unattainable goal. While it would be amazing to travel to exotic destinations like Thailand, Australia, Singapore or Jamaica, many of us think that we would never be able to save up enough money to travel to these places comfortably, even if we […]

Kitting Out a New Home on a Budget

Starting off in a new home isn’t cheap. Apart from the initial cost of deposits and agency or mortgage fees, you’ll have to stump up the funds to kit out your pad. The good news is, there are lots of money-saving tactics that you can employ in order to keep your spending down. Shop around […]

Boracay at Night: The Good and the Bad

Boracay is tagged as the second best beach destination in the world.  This is already not new to anyone especially among beach bums and tourists alike.  But, for someone like me who grow up in Cebu and had been to its finest beaches, Boracay is not really that super great.  I mean come on.  When […]

My Top 3 Remaining Travel Schedules for 2013

Sunset Shot with Dude at Pitogo Island At the end of October, Dude and I, along with Minette, will be moving to Pitogo Island.  We will be basing there temporarily or for good (there’s no final plan yet).  We’ve been planning for this move since early this year.  Dude will be quitting from his office […]

My Top 5 Apps for Budget Traveling #TopListSaturday

In my recent travels, I found a few mobile apps that are very useful when I look for special deals and promos (to lessen my expenses).  Using these apps doesn’t guarantee that you can immediately get cheaper deals, but if you know how to use them (and if you are a wise user), you can […]

Top 5 Reasons Location Independent Lifestyle Is Ideal For Budget Travelers

Location independent lifestyles have received a great deal of press in recent years, and it’s easy to see why they’re such an attractive prospect for many. Instead of tying yourself down to a mortgage and a traditional job, you too could roam the world, settling only where you like, for as long as you like. […]

How to Move Into a House without Breaking the Bank

Moving can be a costly endeavor, even if you try to do most of the moving yourself. After all, there are so many details to be tended to, many of which cost something. For instance, the process of turning off utilities at the old place usually incurs a fee, as does turning on utilities at […]

12 Tips on How to Become a Frugal Shopper

The list of expenses that demand us to hand out more and more of our hard earned cash seems to grow longer by the day. As if not inconvenient enough, times remain tough for many of us when it comes to finance. Couple that with the recent research suggesting that the key to happiness is […]

5 Ways to Enjoy Time With Friends Without Breaking The Bank

Photo Credit In these tough economic times, many people are starting to feel the pinch. Getting out and seeing friends is an important part of your social life though, and it can be difficult to think of exciting things to do when you’re on a budget. Here, we take a look at five ways to […]

Losing Weight and Eating Healthy while on a Budget

Photo Credit Anyone who wants to lose weight or lose the belly fat must perfectly understand that to achieve that goal, diet and exercise should go together. Not just one, but both. But given our modern trying times, another key factor comes into the picture: budget. And honestly, it plays a very big role in […]

Top 8 Effective Ways to Encourage Your Child to Save Money

We are living in difficult financial times, so one of the most important lessons for your children to learn is how to put money aside for a rainy day or for unexpected situations that may be around the corner. It can be tough to get children motivated by saving money, so we’ve come up with […]

How To Combat Impulsive Buying With Cognitive Behavioral Therapy

What is it that causes some people to get into debt and others to financially thrive? You might be tempted to say it’s simply down to their salaries, but often this really isn’t the case and you can have two people on the exact same salary but with completely different finances. Of course the cost […]

Top 5 Frugal and Work Related Reasons Why I Bought a Pocket Wifi

Before I will rant about the advantages and disadvantages of my newly bought pocket wifi unit, I will list first my expectations and well-thought reasons why I choose to subscribe to an internet service that would bleed me out Php999 every month (with no option to unsubscribe for 2 years). For someone like me who […]

5 Top Tips to Travel on the Cheap!

N.B.: This guest post is brought to you by Roy Duffield, a fellow blogger from the UK.  Hope you will learn something from his tips. – EOD As kids we tend to think that life is free, and it’s hard to imagine that we’ll have to get jobs one day. We picture our dream lives, […]

How to Live a Frugal Life as a Student

N.B.: When I was a student, I scrubbed floors and cleaned office furniture to free my parents from the burden of college tuition.  Though I worked as an assistant to our College Guidance Psychometrician, my daily tasks (aside from conducting exams and checking test papers) involve taking on menial jobs and running errands.  Looking back, […]

Frugal Home Ideas: Green and Self-Reliant Additions to Your Home That Save Money

N.B.: Have you been thinking how to save electricity and lessen the frequency of buying new bulbs every time they got damaged? Or, perhaps are you planning to cut off on energy cost by buying solar-powered appliances? If you have these thoughts then you may continue reading below.  The following guest post is from my […]

10 Frugal Tips to Save Money in Shopping For Your Food Storage

N.B: Here’s another informational guest post submitted by our friends from FoodInsurance.com. – EOD While food storage is something you know you need, it isn’t always that easy. If you are on a budget, the cost of prepackaged foods can be insanely costly and it might be tough to imagine buying enough for 3 months, […]

How to Celebrate a Frugal Birthday

N.B: Another way to save money if you are celebrating your birthday (that is not mentioned in the guest contribution below) is by celebrating it with someone who has the same birth date as you.  (In my case I will be celebrating my birthday with “soulmate” later this month.)  You can save money if you […]

Frugal Living Tip: Saving Money by Buying and Storing Bulk Foods

This is a follow-up article for Frugal Living Tip: How to Save Money by Buying Coffee in Bulk.  If you are interested to become one of our guest contributors, kindly check the note on the right side bar. Often times, with the busy lives that many people live now, not much thought is put into […]

Frugal Living Tip: How to Save Money by Buying Coffee in Bulk

Note:  Here is another guest post from our friends from DailyBread.com on how to save money by buying coffee in bulk. Photo: Jeff Kubina. Licensed under the Creative Commons Attribution-Share Alike 2.0 Generic license. The price of coffee has escalated over the last decade or so, and this is bad news for coffee lovers, especially […]

How Much I Save from Metro Gaisano’s 1-Day Crazy Sale

My grocery shopping early this morning was greeted by mobs of shoppers in Gaisano Metro. I have no idea that they were having a 1-Day Crazy Sale. I had a moment of doubts if I will go in or not as I really hate doing grocery with lots of people bumping on me and the […]