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How to Spend Your Sundays

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Sundays are best spent with the family. In my own family, as much as possible, during Sundays, we don’t schedule activities which will not include the entire family.  Save for instances when my college-age kids have to beg off because they need to review for exams or they need to finish some projects, or my husband is out-of-town on a business trip,  we always make sure that our family is complete every Sunday. Mornings are spent listening to God’s teachings which serve as our anchor in facing whatever trials that come our way for the rest of the week.  After Read More

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How to Wipe Out Your Debts

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When debt gets out of hand, it becomes a major source of stress. But with patience and determination, you can be debt-free in no time! Know how much debt you have.  List down all your debts and make a repayment plan. Finish paying the debt with the highest interest rate, and so on. A debt is “healthy” if the total amount you owe is about a third of your net take home pay or net income.  Although you can pay more to close the debt, you need a buffer in case of an emergency or an increase in interest rates. Read More

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It’s Almost That Time of the Year Again

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We all should get ready listing down those who have been good to us and include them in our list of people who will be lucky to receive gifts from us, LOL. Oh well, of course your official list wouldn’t just include those people, but will also include acquaintances, colleagues, your kids’ teachers, your kids’ school bus drivers, your business associates, your clients, and it can go on and on.  That’s why it’s best to start coming up with your list at least 2 to 3 months before the rush of Christmas shopping begins.  And if you’re a very organized Read More

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Sunday Reflections: How to Grow in the Desert Season of our Lives

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At some point in our lives, we all experience a desert season.  It’s when our hearts have turned cold and we’re losing our faith in God.  It’s when we are faced with trials that seem to have no end.  It’s when our relationships have all turned sour and we can’t seem to find a way to make amends with our loved ones. How do you grow in the desert season when nothing seems to be going your way? 1.  Don’t be in a hurry when you are in a desert season. Why shouldn’t you hurry? Because in a desert, God Read More

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5 Luxuries You Can Live Without

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Hey, we all have those little quirks, but if we’re trying to save some money, there are things which though we find necessary at times, can also be eliminated from our list.  Let’s start off with just five: Coffee that is worth Php100 or more a cup or glass.  Try your favorite coffee shop’s house blend. Brew them at home and bring them to work in a thermos. Imported magazines worth Php300+ a copy. Buy locally produced magazines that are of high quality yet cost less. Valet parking. Unless you’re in a hurry, park your car yourself. The added exercise Read More

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