SavingsPinay Series | Day 3: Organisadong Pagbabayad ng Utang

The SavingsPinay Series | Ayoko sa Utang! 5 Days To Be Debt-Free For Life is created and published first in this blog. Visit this LINK for the past SavingsPinay Series.

PS. Sorry Day 2-5 is one week delayed. Hope you will still learn and enjoy.

Day 3 | Organisadong Pagbabayad ng Utang

SavingsPinay Series | Day 2: 25 na Paraan Para Makapagbayad Ka Sa Utang (25 Ways to Pay Off Your Debt)

The SavingsPinay Series | Ayoko sa Utang! 5 Days To Be Debt-Free For Life is created and published first in this blog. Visit this LINK for the past SavingsPinay Series.

PS. Sorry Day 2-5 is one week delayed. Hope you will still learn and enjoy.

Day 2 | 25 na Paraan Para Makapagbayad Ka Sa Utang

SavingsPinay Series | Day 1: Gaano Kalaki Ang Utang Mo? (Evaluating Your Debt)

The SavingsPinay Series | Ayoko sa Utang! 5 Days To Be Debt-Free For Life is created and published first in this blog. Visit this LINK for the past SavingsPinay Series.

Day 1: Gaano Kalaki Ang Utang Mo? (Evaluating Your Debt)

SavingsPinay Series : Ayoko sa Utang! 5 Days to be Debt-Free At Last

I am so excited to finally announce a blog series. The last one I did was way back May and I know it's time to create another one. To those who are visiting my blog for the first time, the SavingsPinay Series is created for in-depth look/thorough explanation of a particular subject or topic. 

The first series I created was the Metrobank Week where I showed the Metrobank Direct Portal How to Enroll in Metrobank Direct Online Account and How to Pay Your FAMI Account Via Metrobank Direct.

Then I created the 14 Day Productive Living Series which has a summarized version HERE. I also did a Job Interview Series which surprised me with a lot of views from SavingsPinay Readers.

Getting feedback, email and even private messages in Facebook led me to pursue yet another SavingsPinay Series.  

Enter: Ayoko sa Utang! 5 Days to be Debt-Free At Last

What is this series anyway?

Ayoko sa Utang! 5 Days to be Debt-Free At Last is a five day-long series that will tackle the topic of Debt or Utang. Here I will give actionable items and key points on how you can finally manage to payoff your morgage and not be in a financial loop hole.

Who is this SavingsPinay Series for?

This Series is for

• People who are struggling with their debt 
• People who inherited unwanted debt from their parents or siblings 
• People who have just gotten in financial debt

What Will You Learn?

Day 1 (Monday) : "Gaano Kalaki ang Utang Mo?" 

In Day 1 we will Identify How Much Your Debt is. We will evaluate your debt whether it is a "good" debt or a "bad" debt. Just as how I give emphasis on knowing your Financial Net Worth as a primer to building financial freedom, I know exactly how determining how much your real debt is the first step to becoming debt-free. I will also share a concept called Debt-to-income Ratio that I learned through website http://www.clearpointcreditcounselingsolutions.org/ which assess the level of debt that is manageable for the income you have.

Day 2 (Tuesday) : " 25 na Paraan Para Makapagbayad Ka Sa Utang"

I understand people who will tell me that how desperate they are to get out of debt but just don't know where and how to start. I pray that this series will help you. For Day 2 I will give 25 Ways To Pay Off Your Debt. These are sure ways with added tips and tricks that will truly be of aid. 

Day 3 (Wednesday) : "Organisadong Pagbabayad ng Utang"

Almost everyday at work I have a list of To-Do's and I find it hard to work dahil sobrang daming kalat. Just like what I share in IzzaGlino, I am very disorganized. Gusto ko nakikita ko lahat ng dapat kong gawin. However, being disorganized as you pay debt is not good. Dapat well-planned lahat and well-organized even where your bills are and the visual representation of your strategy to be debt-free. I prepared a lot of templates for this day so better check it out. I will give them for FREE para sa lahat ng nasa mailing list ko. So better SIGN-UP!!!

Day 4 (Thursday) : "Tamang Pagkausap sa Pinagkaka-Utangan"

On Day 4 I will give tips and suggestions on how you can communicate to people you are in debt with. From what to say to your bank to what to your family member - lahat yan ituturo ko. Don't be afraid to communicate and negotiate with your creditor. May lakas ka ng loob na mangutang, dapat mas malakas ang loob mo na magbayad.

Day 5 (Friday) : "May Forever sa Pagiging Debt-Free"

Sa last na installment of this weekly series I will give lasting habits that will make you at peace and find financial stability. The goal is be debt-free at last and not just temporarily but forever. Living in "bad" debt is frustrating. You will continue to be "one-step-forward-two-steps-back" situation. 

So let's move forward together. Ok?

JOIN ME!!!

This weekly series will start on Monday, October 19 to Friday, October 23. On Saturday I will have a post-summary and will give links to more informative posts you can read para mas madami ang learning.

I hope you will look forward for this SavingsPinay Series. Comment below if you are excited!

WARNING: This series doesn't guarantee true success unless YOU ACT ON IT.

I hope you liked this post. Don't forget to do any of the following:

• Follow the SavingsPinay FB Group and joing the conversation at : SavingsPinay
• Follow my official Facebook page at : IzzaGlinoFull
• Stalk some behind the scenes in my Instragram: glino_clariza
• Follow me too in my Twitter account: Izza Glino
• Subscribe to my Youtube channel: IzzaInTheUkayCloset
• Email me any question or topic suggestion at izzaglinofull@gmail.com
• Or leave a comment below!!!

 

Do It Yourself Spending Tracker Notebook

 
Last week I shared to you How I Still Choose to Love Budgeting Even If it Doesn't Love Me Back. I even gave my resolution and one of the key items is to track where my money goes.

I searched in Pinterest some formats of expense tracker. I can easily use Excel to create a spreadsheet but then I thought it would be better to manually record everything I spend.

So come my DIY Spending Tracker.

I just started using it last Monday and I love it! 

My Must Do's Before 2015 Ends

The end of the year is fast approaching. It is literally two months and a half before a new year begins. Sometimes I wonder where did the days go. It seems like the older you get the faster the months go by. There are several things that I want to do and to accomplish before the year ends and I wanted to share everything to you guys so we can be accountability partners. I have no idea if I can do it but with God I know that nothing is impossible. Treat below list as a little bucket list for 2015.

Read My Must Do's Before 2015 Ends

Security Bank's UITF First Impression

I was browsing my post statistics last night when I noticed that my PNB UITF First Impression post is performing pretty well. It consistently becomes part of my popular posts week by week. This gave me an idea that more readers nowadays are looking for reviews on products they can possibly invest with. 

So today I will be reviewing the UITF of a bank that had undergone some rebranding. I always see this bank's branch at Makati Med so I research more and found some interesting facts and figures. Hope you'll enjoy this post about Security Bank's Unit Investment Fund.

Quick Review

Before I continue in giving information about Security Bank's UITF, I first like to review some terms to you. Feel free to check the following links so you'll have a little background.

1. What is UITF investment?
2. What is NAVPS?
3. What is Peso-Cost Averaging Method?

Things You Need to Know About Security Bank's UITF

How I Still Choose to Love Budgeting Even If It Doesn't Love Me Back

I believe I've share what I know about budgeting in a number of post. I shared how to create one, how to choose your budget categories and what methods I use. From notebook style, envelope style to the 50-20-30 method. 

Budgeting is such a classic financial term that everyone should and must know of. And don't just become aware of what’s and how's of budgeting but totally commit to it. A budget can make you avoid the debt and financial traps. 

It can also guarantee that you are saving on a regular basis. You will also find out your money's worth...where it goes and how come at the end of the month you are left with just a tiny amount. (I hope that's not the case).

10 Ways to Make the Most of Your Time

I want to be honest that I, too, fail in living my life intentionally. It feels like day to day challenge being able to lie up to the expectation of others. You wanted to be the productive you but the more you show that you can succeed in a task, the more people in your surround will depend on you.

But instead of "magmukmok" in the sad reality of being an employee, encourage everyone to be a better version of themselves everyday. Survive each new day by making the most of it. 

I would like to share the 10 Ways to Make the Most of Your Time that I try to accomplish as much as possible. Hope you can join me in this journey to productive living.

SavingsPinay September Quick Recap

I still can't believe that September is over. We are almost near the start of a new year. It makes me nervous and excited at the same time ending the current year and looking forward for 2016. 

Today's post is my Monthly Quick Recap about SavingsPinay. I was able to publish fewer blog posts and I am so sorry for missing blogging on a daily basis. I know saying "busy" isn't a favorable excuse but I am trying my hardest to publish something for you guys.

Thank you for still supporting SavingsPinay all though my blogging journey. Also, thank you for your support to my newest blog PinayOnlineRakitera. I am seeing greater number of views day by day. Below are the posts I have already published that you might be interested about:

1. Content Writing as a Career and 5 Steps that Will Help You Become One

2. 12 Reasons Why You Need to Start a Blog Now!

3. Becoming a Freelance Content Writer: A Beginners Guide 

4. A Primer on How to Blog Starting a Blog, Choosing Your Niche, Blog Name, Platform and Design 

5.  Becoming a Virtual Assistant: What Does a Virtual Assistant Do and 4 Ways to Get Started

6. Everything You Ought to Know About Online Jobs

Here's this month's quick recap.

1. We are 500 views away to 80, 000 pageviews!!! 

Isn't it amazing how month by month you prove that SavingsPinay is a helpful source of financial information through your visits? Getting 80,000 pageviews is just an amazing and humbling experience. I know that my Christmas wish of hitting 100,000 before 2015 ends is more and more possible. A huge thank you. I do hope that you join SavingsPinay's FB Group and enjoy the forum which I plan to activate this month. Just click Join and enjoy bits of information from SavingsPinay.

2. Hiatus on my Freelance Writing Gigs

I stopped getting freelance writing gigs this September because of too much workload from my day job. I just can't handle everything and I don't want to suffer the quality of the content that I write. And since one of my additional income stream stopped, I have to really watch my cash flow. I am learning how to save money even better. I might also an in and out expense logger. I also have to prepare since the holiday season will begin. I want to buy good gifts to the people I love.

3. SavingsPinay Facebook Group 

Again I'd like to invite you to join SavingsPinay's Facebook Group. I want to activate the group for October and create meaningful conversations to you guys. 

POSTS THIS SEPTEMBER:

• (MOST VIEWED) Why an Emergency Fund Should be in Your 2015 Must-...
• (3RD MOST VIEWED) I'm Just 21 Do I Seriously Need a Life Plan?
• (2ND MOST VIEWED) My New Special Project: PinayOnlineRakitera!
• More Proven Ways You Can Diversify Your Income
• SavingsPinay's August Quick Recap + Join Our Faceb...
• 8 Things I Love About Windows 10 Upgrade

How did your month went?! Did you enjoy SEPTEMBER?! Hope you are pumped up for the coming month!

I hope you liked this post. Don't forget to do any of the following:

• Follow the SavingsPinay FB Group and joing the conversation at : SavingsPinay
• Follow my official Facebook page at : IzzaGlinoFull
• Stalk some behind the scenes in my Instragram: glino_clariza
• Follow me too in my Twitter account: Izza Glino
• Subscribe to my Youtube channel: IzzaInTheUkayCloset
• Email me any question or topic suggestion at izzaglinofull@gmail.com
• Or leave a comment below!!!