From the category archives:

Personal Finance

I’m a coffee and tea person. They’re both addicting and keep me awake, pumped and focused throughout the day.

Can you survive a day without coffee or tea?

My family and I used to go out once or twice a week just to have fancy coffee. A trip to Starbucks or Coffee Bean and Tea Leaf would usually cost us P800+ excluding pastries. Imagine, P800 a week? That’s P3,200 a month! But, since my mom bought an espresso maker last year, our family’s trip to coffee shops dramatically declined. In fact, I stopped going to coffee shops to have coffee. I never stopped drinking coffee. But, I learned how to drastically lessen my coffee and tea expenses by enjoying and preparing them at home. Click to continue reading »

{ 1 comment }

Since one of my goals for this year is to save money, I told myself that I should become “OC” when it comes to financial matters so I could track where my money go—every single peso, that is. Before, I would often ask myself, “Saan napunta ang pera ko? (Where did my money go?)”  It was only during the last quarter of 2009 that I have decided to use different tools to effectively track my finances.

Before I write about out my “concrete steps” in order to save money, I would like to share with you the five different tools I use to track my cash flow. Click to continue reading »

{ 5 comments }