Financial Steps to be a “Stay-At-Home-Mom”

Being a mother requires a lot of sacrifices. I can say it is indeed the toughest job in the world.

I am a career oriented person, people often labeled me “workaholic” and “raketera” before.

I also did not have any plans on giving up our small business that time, until my little one arrives and everything changed.

financial steps to be a _Stay-At-Home-Mom_

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Why we should track our family’s expenses?

Back in 2011, my husband and I were engaged to be married, we heard from a financial seminar to keep a shoe box and put all our receipts there to track our monthly expenses.

we tracked our expenses for months

After attending that workshop, I immediately bought a pen and paper to track our expenses (wedding preparation) until I was able to form this new habit.

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Simple Steps to Frugal Living

My husband and I have been through a lot of financial trials and lessons. And we promised ourselves that we will try our best not to forget the lessons we learned back from those season of huge financial stress – debts, piled up bills on due dates, savings drained, being scammed, unwise business decisions and a lot more..

One of our financial goals is to live within our means, so we can also honor God in managing our resources, stay out of debt and live a legacy of good financial stewardship to our son.

Frugal Living

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How to pay off “Credit Card Debt?”

Having a credit card is very easy now a days, there are many sales officer approaching people in the malls and offering a Free umbrella para mag-sign up sa card.

I can’t deny the convenience it brings, imagine makakabili ka using a small plastic card kahit wala kang dalang cash. But again, charged to experience (and to bank interest), even pala almost 3 years na akong good credit card payer, I am still not exempted sa possibility to accumulate credit card debt.

how we paid off our P50,000+ credit card debt (1)

 

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Practical ways to save when you have a new baby

Having a baby is indeed a blessing from Above, but of course.. we moms know that starting from pregnancy,  (prenatal check-ups, vitamins, ultrasound etc.) up to the “delivery day”, it is a bit costly  to have a baby.

tipidmommynewborntips

 

When I gave birth to my son, I wasn’t able to get back to work or business right away. Limited budget talaga kami kaya nadiscover  rin namin ang iba’t-ibang ways to save for our little bundle of joy.

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