Money & Marriage : Money lessons for newly weds

Money issues is one of the top reasons why many couples call it quits.

It may be because of inability to provide, some face conflict in sharing their wealth, while others simply do not have enough time to flourish their marriage because they’re both busy making a living and as they say, they forget about living.

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Budgeting : The Freelancer’s Way

“Freelancers” when people hears about this job title, the first thing that comes to our mind is “freedom”.

Being freelancers and self-employed allowed our family to always be together, as in, everyday, have a vacation on a weekday (mas mura ang accommodation rates) , play with our child while having a lunch break from work which is just few inches away from our sofa haha!

But included in the package of being freelancers is the “inconsistent income flow” or should I say “irregular income” though some freelancers are hired as full time employee receiving a fix monthly salary, there are also freelancers like us, who get paid “project-based”.

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Mompreneur’s Simple Ways to Cut Business Cost

For home-based and start-up businesses, cost cutting maybe one of your goals this year momma.

In order to keep our businesses growing, I guess we should treat it like managing our home finances. “Living below our means” or “Operating below our income”

 

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Our expenses should be smaller than our sales to keep the business growing, proper allocation of funds and prioritizing purchases.

Sharing with you some of simple ways we’re planning to do this 2016 to save more this year:

 

1. Utilities- we are planning to switch to a better postpaid plan that suits our business need. I just realized that most of our clients are using this network provider, at the same time, they have a postpaid plan that offers unlimited calls and text to same network. So why should I pay extra fees from my current provider if I can just switch to other network. Some provider even have a complete business bundle with internet, landline number and mobile numbers for you and for your team.

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