Youth will save for One Direction ticket concert but not for their future

Youth of today are willing to save for the One Direction concert than save money for their future. When I heard that One Direction will conduct a concert in our country I just knew that many of its fans regardless of how much the ticket whether expensive or not they will still make way to fund them and watch the said concert, and it happen, a lot of post in Twitter and Facebook are willing to save just for their concert. The ticket price of the concert costs Php 3,775 - Php 18,000 (seating) and Php 1,200 to Php 2,200 (standing), for more info visit this page.

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The Need to be Financially Literate

Most Americans lives from paycheck to paycheck and especially with credit card to another credit card. It is rare to meet one that doesn't have a credit card or having one card only. Moreover, they also have been living with amortization and mortgages for the rest of their life. This lifestyle has been passed on from generation to generation creating cycle. Their offspring will copy what they learned from their parents and will do the same as they starting to build their own career while living their own life and sooner this will passed on to their children as well.

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Home Savings Tips on Dishwasher Soap

Being a stay at home mom is probably the hardest job I ever encountered. I often thought that being a mom is being slavery at home not to mention that we are underpaid and oftentimes what we save for ourselves is used for sudden expenses at home.  

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Saving Money for Specific Purpose

Most of us save money for different purpose and reason, while many save money for gadgets and toys other use this for their wedding, college or business. Different reason and different purpose but it all boils down with just one discipline and that is to save money as much as we can.

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BDO Junior Savers Account

My husband and I decided to open an account for our son. We thought that it will help him educate the importance of saving money for future use.

We choose the bank of BDO with product of Junior Savers because of its easy access at malls that opens even in weekend. For convenience sake, so that my son won’t have to absent in school just to deposit his savings to see and learn how to do it himself at the bank. By the way this account is for 12 years old and below only.

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Money Saving Ideas This Year 2014

Credits to the owner of picture

I happen to see a certain post from Kuripot Pinay about money saving goal this year. I know how to save money and in fact it’s my advocacy to spread awareness about the importance of saving money especially to our Kababayan who often find themselves lost with their financial and getting troubles with their accumulated debt. In short I am also frugal and love to save and invest money. I also manage to make my money work for me by lending it to other people but with interest in return.

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Tips to Use Your Christmas Bonus Wisely

Image Source: www.vecto.rs

Some of you have already received the Christmas bonus and every year this extra money quickly slips on our hands unconsciously. Without proper planning on how to spend this bonus, many of us buy things quickly. By just roaming around the mall while window shopping knowing that you had money in your pocket and just giving in some gratification to all your hard work you’ve done in the past, enough for you to give some reason to spend and buy things that you want. 

Stop, maybe this year you need to change this bad habit and plan wisely your Christmas bonus. We only received bonus once a year and we need to carefully plan on how we will spend this money.

 

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How to Lessen Electric Bill

 

After so many disasters that we experience recently leaving us so many structures and establishment down not to mention the many lives that we lost during devastation, we are now facing the consequences of its result, an increase rate on our electricity bill. Just after the cut-off reading of these electric companies their office were also bombarded by too much complaint of consumers, most of them now have doubled and even tripled the total amount of their usual bill.  

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Five Ways to Minimize Building Costs

 

Building your own home is an exciting venture. There is so much to be considered and done. But after everything is organised and underway, the expenses can end up far higher than imagined. Contracted builders, landscapers, having utilities installed – it all costs money. And a lot of the time there are ways to go about minimizing these costs. It’s important to be aware of the ways that you can save money while building your home. Follow these five tips and you may just end up saving more than you thought possible.

 

Choose the Right Builder

Of course you’re going to want to pay as little as possible when it comes to choosing a builder. However, it’s vital that you don’t go with the first – or the cheapest – one that you find. In the long run, a cheaper builder may end up making mistakes or needing to make adjustments to your plans. So although it may seem like a lot of money at first, a good builder will end up costing you less in the long run.

 

Be Smart With Space

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The Envelope System of Budgeting

Do you find it hard to budget your expenses for the whole month? Or maybe ended up short and use your credit card to cover your expenses. Many of us try to budget to the best that we can but failed to manage it because oftentimes we never stick to our plan or an unexpected expense came up and ruin the assigned budget.

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6 Pitfalls That Could Destroy Our Budget

After the disaster left by Santi storm I just realized that the major expenses we can experience is during the emergency like aftermath of storm, earthquake and other natural disasters. We need to make sure that aside from saving money for future use we also need to save just for the sake of emergency purposes like the event of hospitalization and during the disasters. After Santi storm I do not have any choice but to use up my entire budget and even use my other savings for food, water, generator, gas, and rechargeable lights.

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Testing V3 Power Saver of Handyman (Updated)

V3 power saver from Handyman

In search for the answer or maybe a desperate move to lower our electric bill at home, I decided to stash my budget to buy this extreme power saver V3 of Handyman that promise to lower my bill up to 35% of its total amount. Yes I know, you will probably one of many that doesn’t believe in this thing because many use this kind as a gimmick to scam others or you will probably said to me in plain English that I am just stupid to believe that it actually works.

The reason that encourage me to buy this thing is because I have read it from Yugatech and Azrael's blog and it kinda effective in their home, though in numerous forum they had a divided opinion about it: one said yes it is effective  and the other said it's just a bogus so don't buy it. When I came to Handyman store there was a customer already there inquiring if he could get another one for their home, the salesperson at Handyman declined it because their bill was already cut down explaining there's no more room to lower the bill and it will just a waste for that client. The client even make a conversation with me and assured 100% it will lower my bill too, so I bought it. 

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Always Short with Cash

Do you always find yourself short with cash after all the bills and due payment has been made? Or do you always struggle to pay your bills and seeks some help from your family especially from your parents or siblings. Well, maybe the way you handle finances is the problem and probably you overspent your earnings to the things that you actually don‘t needs.

Here are some simple tips to cope with the shortage of cash:

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5 Professional Tools for Businesses on a Budget

Starting up a business can help you to earn a lot of money over the course of a few years. Unfortunately, many brand new businesses fail within their first year and are unable to meet their own true potential. One reason for this is due to the fact that many business owners do not create a budget for themselves and wind up spending more on the company than they are getting back in terms of revenue. These five tips will help you to start up a business on a budget so that you are more successful.

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Suze Orman in Philippines: Helping Filipinos with Their Financial Crisis

While we are all busy from the recent election 2013, we haven’t notice that the prominent financial Guru in America visited us. Suze Orman visited Philippines for the first time and she is travelling around the Asia to spread awareness on how we should handle financial matters.

And thank God that FB is spreading her presence here (through friends and group) and you may want to check out the interview of Suze Orman by Korina Sanchez

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What is Emergency Fund?

 

Before I attempt to invest in the stock market I have been reading a lot about it and I always encountered the two words which is “Emergency Fund”.  

 

According to invetopedia.com this is what Emergency Fund means:

An account that is used to set aside funds to be used in an emergency, such as the loss of a job, an illness or a major expense. The purpose of the fund is to improve financial security by creating a safety net of funds that can be used to meet emergency expenses as well as reduce the need to use high interest debt, such as credit cards, as a last resort.

Many financial gurus advices us to have an emergency fund whatever status we have, whether we still have a job, sideline, allowances and remittance or a business that can provide us for what we need. 

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Money: From Your Shelf To Your Pocket

You could have everything you need in your house to enable you to make more money without even knowing it. When it comes to trying to pad your bank account from the comfort of home, a little creativity can help you go a long way. Here are five ideas from how to transform your home into a moneymaking opportunity.

Try your hand at writing. Freelance writing can be a lucrative side job for those who know how to navigate the market. This is a part-time job better left to those who are willing to invest a little time in building contacts and a strong base of readers (especially if you’re considering blogging). But many people find that all you need to get started is a passion in a particular topic, not necessarily previous writing experience.

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Applying UITF in BPI

Yesterday I submit all my papers and forms that I downloaded from my online banking of BPI to apply for UITF. Maybe UITF sounds astronomies to many and for the benefit of those who never knew UITF it means Unit Investment Trust Funds.

What is UITF?

These are investment scheme offered by the banks wherein money from different investors are pooled or collect together into one fund to achieve success in investment. Usually investors in UITF are those who don’t have any time to learn more or no idea in other forms of investment like stock market and mutual funds. It is usually called automatic vehicle where money of investors is handle or manage by financial expertise manager in UITF. The earnings from UITF ranges from 8% to 16% per year which is better from time deposits or special deposit accounts in the bank, hence of course since this is investment has it also own risk, so caveat brothers and sisters.

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Buying a Domain at a Discount Price

Having a domain for all of us blogger is important especially if you know that having your own domain could attract more advertisers. I am not saying that having own domain will make you earn money right away of course it will need some time to grow and get bloom first but it is still best to get passionate in writing to earn in blogging. Although I admit that I also earn during the time that this blog is in sub-domain of blogspot.com but it feels like I need to level up for once in this blog to earn more money.

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Save Money with these 6 Simple Things That Anyone Can Do

It is never too early to save but if it is too late then its not wrong also to be wise spending and save money for other necessary things that we need in everyday living. Here are some simple tips that anyone can do just to save money and manage your budget wisely:

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