PinoyBusiness.ORG – Home

Personal finance used to be so simple… buy the things you need and pay for the bills, buy the shoes, bag or dress you’ve been wanting to buy if you have some excess money, and if you have some extra more – save it for future needs and emergencies. That’s it!

Unfortunately, it is not that simple today, with today’s high costs of basic needs, it takes more than being prudent to survive to the next paycheck. One really needs to do some mind-crunching exercises to find means to make both ends meet.

Aside from saving money, one also needs to find ways of generating some extra bucks on the side, discarding unnecessary purchases, and at the same time cut the costs of current bills. But like I said, it is really easier said than done. But with a little common sense, and resourcefulness, it is actually possible to do.

I for one, appreciate the links that I found on Salve Duplito’s Money Smarts blog. She talked about personal finance and unselfishly included the links she found that offers tips on how-not-to-shop-by-whim, reasons for not upgrading to the latest gadgets, leveraging on available loans and credits, and even saving on electricity bills by just focusing on our refrigerators.

Following the links on her post, I learn a lot and appreciated that although they may seem to be simple and trivial things, they can actually help us be money-smart.