Positivity and Action
I received a call this afternoon from an acquaintance. She shares that she’s able to read most of my posts and can relate to most of the things especially the debt part. She shared that she has read many financial advice and stories but first time to read from a fellow Filipino.
Wow! It made my heart swell to know that there are actually people reading my blog aside from my family ☺. And to hear that they can relate to my posts gives me a confirmation that my honesty is helping others. I was really hesitant initially to share my money issues. It’s like telling everyone of your dirty little secret right? But one of my goals this year is to inspire others. I really don’t know how to achieve it that time but I thought if I can tell one person how positivity can change their life just as how it changed mine, then I’ve done my part. (more…)
How to not over extend your expat career?
Living in Dubai for more than 10 years and owing to the fact that this place is just a transient city for us, I have seen too many times friends and colleagues come and go. I feel bad especially if they’re close friends but that’s the reality of being an expat. You are bound to leave the place. Unless of course it’s your choice to stay and you can’t really see life going back to your own home place or you’re not interested building a new life again in another country. (more…)
How to become a millionaire? Realistically!
Fact: not everyone will become a millionaire.
But I believe that you can be one if you have the desire and you take the required action. The fact that you’re reading this is a proof that you are interested. Interest will lead to desire that will lead to action. Combine desire and action and you will, for sure, reach your goal however outrageous others see it. (more…)
How to get out of debt?
We all have a fair idea on how our debt started. Our circumstances changed – we got married, had a new baby or children went to college. It could be due to emergency – medical expenses or the car broke down. Or it could be as simple as having bad choices in spending.
Everyone started with one credit card with a manageable credit limit. After few months, all these banks were offering all sorts of credit cards with added perks. Being naive, we just accepted them all. Your one card became 2 then 4 and before you know it you had several and maxed-out them all. That’s aside from the multiple loans you had taken. (more…)
How to start your emergency fund?
We have always heard this long time financial advice to build an emergency fund. It seems a very good idea and you understand the importance of it. But how much should you stash away and how to start saving for it?
First, let’s define what’s an emergency fund. Obviously, this is an accessible stash of money that you can use in case of emergency. However, we might have different definitions of emergency. I know some people who have used their emergency fund to loan to family members who got into financial trouble. Some used the fund for car repairs. Some used it to pay for emergency medical treatment. You see, all of us has different definition of emergency and the degree varies. But I’m sure that buying a new set of dining table is not an emergency. Same as having a new dress for the graduation party. (more…)
Revisiting My 2015 Goals
Wow! We are halfway through the year. It’s a cliche but time flies really fast!
Here is a list of my personals goals I prepared beginning of this year. I thought it is a good idea to check how I am doing.
Launch jewellery business and succeed! -well, not yet but very soon!
This was supposed to be launched in April and I am way behind schedule but I’m not losing hope that this will happen within my lifetime 🙂 (more…)
How to save?
The question might be so easy and we can come up with hundred of answers but in reality it is easier said than done. I came to Dubai 10 years ago and someone would think that I may have saved a fortune considering the number of years I’ve been into this country. But honestly, me and my husband had only started saving probably 4 years ago and had been saving almost 40% of our combined total income recently. We can save more but we want to be realistic and allocate some amount for shopping/dining out and emergency expenses. Balance baby. (more…)