I’m no champion or expert when it comes to finance or debt management, but I don’t think that anyone needs to be, just to have a successful and stable financial life, or to get out debt completely. I think it’s all about being practical, separating wants from needs, and what are necessary from unnecessary. In other words, knowing when to spend or keep your money. It is best to have that “always have savings” attitude in mind, rather than spend spend spend. When it comes to debts, loans and credits, …

OZ, my car enthusiast best friend always say, when it comes to cars, it’s better to be sure than be sorry. I’ve overheard him say the same things to Karl on the conversation they had this morning. I joined them and we discussed about how it really works. Oz is an expert when it comes to those things, because not only that he is a full fledge car enthusiast but he is also into car sales nowadays. He was talking about how important insuring a car is, and I’m glad …

So many things happened for the past days since I got back home. My older sister came home and will stay here until tomorrow while my younger brother had to go to start his life anew. Jay just graduated and he’s going to work in the metro while doing his review at the same time. I must admit that I really miss my bro, we’ve been together since we were kids, and though this isn’t the first time that we would be apart, this is the first time that he’s …