Back in December 2008, I put my savings at LBC Bank because they had a pretty good interest rate for a Time Deposit Account. It was just for a month but it didn’t really matter. I wanted my money to be safe from my spending hands. The plan was for me to keep adding up funds to it on a monthly basis so that in a year’s time, I should have at least P60,000. That isn’t very big, mind... 

Almost a year ago, I decided to track my expenses. It was not really a spur of the moment decision. After a personal finance seminar I attended at the Bread of Life Church, it seemed like the most logical decision. I didn’t really know where my money went. When payday came, all I knew was that I had lots of money. I spent lots on books, on food, on lunch outs, on water and softdrinks. After just... 

Unexpected events and situations all happen in our lives. Some of them are more serious than others. Just last month, the world was rocked by the hostage taking incident in Manila. A former policeman killed eight of his hostages–all of them Hong Kong nationals. It was an unfortunate event, for sure. The world saw inadequately trained the Manila policemen were. They did not seem to know what to... 

Are you merely surviving from one paycheck to the next one? Is it barely enough? Can you say that you are truly living a fulfilling life? Sit in front of television and you’ll be subjected to hundreds of commercials and advertisements telling you to buy this and that! Too often though, instead of reaching for the remote control, we reach for our wallets and compute how much we need to spend for the... 

Most of us need that occasional boost of finances whenever we find out that our income falls short of our spending. We borrow money from various sources—friends, family members, banks, credit cards and even loan sharks! But what happens if you accumulate more debt than you could ever handle? Here are some tips to help you get out of the deep hole of personal debt. 1. Take stock of all the debts...