The Budgetarian

Who doesn't hope to be financially secure and successful? Most, if not all of us probably do! But the road to reaching this is never easy, especially if there are a few things we do that hinder us from achieving our goals. Habits are the foundation of our everyday lives, and one thing is for certain - it's going to be difficult to reach your dreams if you are living with a slew of bad habits. Listen in on how which of these practices might be preventing you from living a successful life!

Maybe you're tired and feel like it's going to take forever before you become debt free. Having debt feels like there's such a huge weight you need to carry, but learning to confront your loans head-on and crafting a strategy in how to tackle them can help you finally manage everything!

With so many things happening around us lately, we really need to address the importance of having an emergency fund. An emergency fund is some money set aside to cover the surprise financial expenses life throws your way. These unexpected events can be stressful and costly, but a little preparation can go a long way!

Saving successfully sounds great, but if we're being honest, it's actually something pretty hard to do right? But while going through my closet one day, I realized that I had so much unused clothes and if I stuck to only using what was there, then I could actually go a year without spending on new ones! That's a few pesos put away to better use already. So if you're one of those people who badly wants to start saving but can't seem to be able to do so, here are a few tips that can help you!

By January, most of us are running short, suddenly finding out that Petsa De Peligro is about to hit us all too soon! But there's a way to avoid all that. As the year is about to come to a close, it's time to recover from any extra spending you've done, and more importantly, ask yourself, "Am I really ready for the coming year?". We're joined again by entrepreneur and Australian Visa and Migration expert Yuri Marshall as well as another good friend of mine, owner of Koop Studio, Michael Needham to share with us how they recover from holiday spending and prepare for the year to come.

Statistics show that in the Philippines, only ten percent of our population have bank accounts. This comes as quite a surprise because I've had my own personal experiences with banking, and all of them have thankfully turned out to be pretty positive. Banks are definitely not just there for us to put our money into, and certainly not for us to keep withdrawing from. But why is it really important for us to have our own bank account?

During the holiday season, we tend to spend on additional things like parties, gifts, and many more. But sometimes we need to set ourselves down and assess whether or not our planned purchases are really worth it or if we need to let them go and think about what really matters to us. I'm joined by my good friend, entrepreneur and Australian Visa and Migration expert Yuri Marshall, for his own personal insights on what can and should be spent on during the holiday season.

'Tis the season for food, merriment, shopping, sales…and overspending! We all know that when this season comes, we all tend to spend a little bit more than usual. It's something I'm not totally opposed to because it's the time of year for sharing, giving, and being with your family and friends. But there's definitely such a thing as going overboard, and how do we manage that? Here are a few things you can do to avoid spending too much during the holiday season!

Hi to all you soon-to-be Budgetarians! As an entrepreneur, I may have picked up a thing or two when it comes to financial literacy, and although I'm still learning as I go, I want to be able to help in any way I can by imparting these learnings to others. While I may not be a financial guru or a theoretical and conventional expert on the subject matter, I've learned that my personal practices and habits work for me and I'm hoping they'll be a big help to you too.  Welcome to the first step to a more financially literate, and more importantly, a financially stable you!