Managing income, expenses & debt

Spend wisely to build wealth
Almost everyone has the ability to become financially secure, even the ordinary, low-income employees. But you need to break out of the habit of reckless spending in order to start saving

Practical steps to get out of debt
There are two main reasons why an individual or family goes into heavy debt. Overspending and the lack of a financial safety net. Here are proven steps you can take to effectively get out of debt.

Where to find money to pay your debt
The main source for money you can use to pay off your debt is your regular income. However, there’s not much money you can squeeze out of a limited income. Here are six other possible sources of money that can help you pay your debt faster.

Creating an effective spending plan
Have you ever accomplished something important without planning first on how you will do it? I guess not. Without a good plan on how you will use your money, you could end up spending more than you have to. The spending plan, also known as the “budget,” helps you manage your money properly and prevents you from overspending.

10 ways to reduce expenses & save thousands monthly
You don’t have to look far to find money to save, you just have to reduce or eliminate unnecessary expenses. We show you ten expense busters that are guaranteed to free up hundreds or thousands in cash every month.

More practical tips to reduce your expenses
The smart Pinoy saver should be aware that there is something out there that’s slowly but constantly eating up the value of their savings.

Not enough money to save? Boost your income!
If you have done your best to cut down expenses and you still don’t have enough money to save there is only one option left for you; increase your income! Here's what you can do.

Good debt vs. bad debt
Here’s a bit of good news about borrowing money: not all debts are bad. There is also such a thing as good debt. You should learn to distinguish “good” from “bad” debt and take advantage of good debt whenever it is available.