Working Mommy Blogger from the Philippines
One of my hesitations when I decided to resign from work is that I might not be able to do some of the things I enjoy as a working mom. One reason is that the family budget might be scarce so some things like our travels will take a backseat. But as the saying goes, when a door closes, another one opens. God provides and answers our prayers so that we can still venture out into the unknown (sorry, may Frozen 2 fever lang hahaha), like going out on trips.
When you’re planning and listing down your family’s expenses, do you include unnecessary miscellaneous expenses like ATM transaction fees when you use other banks or the service charges when you transfer money. Kahit pa pa-15 pesos or 50 pesos lang yun, if you add it up, malaki na rin yun, pangdagdag savings or travel fund.
Gcash is every busy mom’s best friend. I can pay bills, send money, and buy load through the app. I make sure that I have enough Gcash load, I maintain at least 500 to 1,000 pesos just in case I need to pay something.
To cash-in or load my Gcash wallet, I usually use online banking (if you have a linked bank account) or through Pay & Go machines at Globe stores. We were at the mall earlier so we opted to cash-in via the machine.
No matter what time of year it is, it’s never too early to start thinking about your summer holidays. For many of us, it’s the biggest chance all year to really relax, kick back and soak up some rays and as such, it deserves some serious planning.
One of the main aspects to planning a successful summer holiday is to make sure you have enough money to go where you want for a decent amount of time. You also need to be able to live comfortably while you’re there, so try Creditfix out for advice.
Here’s five handy ideas to help you to save up for your holiday and also to get some good deals on flights and accommodation.
…Retirement is a great opportunity to enjoy things you could not do when you were working. However, many of those things cost money, and your income is likely to take a substantial hit when you retire. To gain back some financial flexibility, you may need to tap into some of your resources, especially your home. But taking out a traditional loan can often cause more problems than it corrects. A reverse mortgage is a retirement loan that can give you benefits of a standard mortgage with fewer problems.
It’s common knowledge that stocks over time thumps real estate in performance. There are quite several different ideals on this but the common denominator around is that equities over the past couple of decades have returned around 10% annually, while real estate is in the 4% estimate.
You can ask people who have acquired properties in red-hot markets. There will obviously be a lot of moving parts to this topic, so as you decide whether to invest your cash in stocks, we’ve prepared 5 of the most important considerations why you should consider stocks over real estate for investment.
