It’s another year for all of us. Another year of extravagance, expenditures and of course, debts.  I can say… blessed are those who do not have debts for they can live their lives without working too hard for the interests…

How do we manage debts? For me, the best approach would the elimination method. It is the method of eliminating debts from different individuals or companies by owing from only one person. There is still debt, but at least, you are accountable to one person only. Right?

I am now on the process of managing my debts and I am exerting more effort to collect from those who owed from me. My goal as of the moment is to pay all my debts the soonest possible time. And how would I do it? Well, I will work my ass off to earn more so that I can pay more. Sooner, all my earnings will be mine… No more interests, no more notices… it will just be mine… ha ha ha!!!

And before the year ends, I will be the most expert in surmounting debts and the likes of it! Don’t worry, I will share with you how I did it, :)

Managing your finances seemed so easy to think but is actually hard to do. I had struggled in balancing our family needs with what we earn. After so much budgeting programs, I ended up doing this journal. I now plan to share with you how I save and spend everyday. Hopefully, you will get something from my day-to-day monetary escapades.