Seek for Debt Advice

Personally I do not borrow money from lending companies or banks because I’m afraid I cannot pay it. But there are incidents that are beyond our expectations that acquiring loans are needed. When we are in financial crisis we don’t have choice but to borrow.

Before this happens, it’s better if you have knowledge of loan acquisition. Seek for debt advice though professionals at financialdebthelp.org  in order that you know what lending companies offer low interest rate, your capacity of owing and paying debt, etc. This is advantageous; when you are well-informed you can manage your money and payment well.

My Way of Saving Money.

   Going Ethnic... my piggy bank ...It's not a pig!!! LOL... I don't know what to call this craft..

1. I follow a very simple formula: SALARY – SAVINGS = EXPENSES. My mother always stressed out that it’s important to save money.

2. My budget for expenses is separated. One envelope for my daily allowance, another envelope – budget for my necessities, for my schooling, for emergency, and of course one envelope for charity.

3. When buying things I always asked myself, “is this a need or a want?” But usually I end up buying nothing. You see, I’m a very frugal person. The things that I find hard to resist are art materials. LOL… But I considered it as my awards. Remember: we have to reward ourselves (LOL).

By the way I have a separate blog for my artworks. The picture above is actually one of my artworks…. Feel free to visit.

4. I buy groceries in bulk and items that are on sale or if there are promos.

5. I opt to hike rather than riding trsikad or tricycle.

And....

6.  Extra coins in my pocket  will automatically go to my piggy  bank.