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7 Simple Personal Debt Management Tips

What do you think about debt? Is it good or bad?

Some people think that debt is bad. Do you think so? I think Yes and No.
Yes, debt is bad if you're not paying and total payment with interest and penalties are going up. No, debt is not bad if you're able to pay and manage all your debts. Another instance of using debt for good is if you use it to earn. For example, you borrow P10,000 then you earn P15,000. Of course, it is still the best not to have debt at all avoiding interest charges and you keep all the profits.

Grade 7 - 8 Arts and Craft Projects

It's been a long while since I posted about arts and craft projects made by my kids. I can't use the title simple arts and crafts for kids anymore because the projects here are not simple anymore. These are made by my Grade 7 and Grade 8 children and their projects are not that easy to make. It takes more time, thinking and A LOT OF PATIENCE.

1. Panagbenga Festival Paper Doll This project involves two basic steps. Making the doll out of illustration board and decorating the dress and accessories of the doll.

She just copied a silhouette pattern of a person on the internet and traced it onto an illustration board. The second part is the hard part. The assigned theme to their class was the Penagbenga Festival. It is a flower festival celebrated in Baguio during the whole month of February.

Most of the design was made of colored paper, except for the necklace and the skirt. The necklace is made of cut straw strung together and the skirt is made of cloth.

Do You Know How Much Debt You Owe?

Last week, my 12-year old daughter asked me "Do you have debt, mommy?" She just asked me that question out of blue. Well, I found out later that it actually had something to do with her school lessons. At first, I answered her that we (my husband and I) don't have any debt. But on second thought, I told her that we do incur debt every time we swipe our credit card. But we totally pay for everything when the debt is due because we don't want to pay extra on interest.

I think that's the only debt we have. How about you? Do you know what you owe? Many people today tend to accumulate debt without thinking much about it. For some, it is plain irresponsibility. But it seems that a lot of people have become beset by this problem.

How to Prepare For Your Child's First Visit to the Dentist

Two weeks ago, I had swollen gums and it was kinda painful. I soaked that gum area in mouthwash after brushing my teeth. It was relieved a little bit but it was telling me that I needed to go to the dentist. I went to the dentist as soon as I can and had my teeth cleaned. In a day or two, the pain was gone.

I'm lucky to have good teeth and it was because my father often took me to the dentist and I learned to brush my teeth regularly. I want my kids to have healthy teeth, too. If you have kids like me, you should also take them to the dentist beginning at an early age.

Children are more prone to tooth decay compared to the adults. So, getting your child to a pediatric dentist can be a good indication that he/she would have proper dental health. The dentist would help the kids prevent tooth decay and develop healthy oral habits right from an early age.

What is Microblading Eyebrows Like?

The other day, I was helping my daughter prepare for a school assignment where she would dress up and speak in front of the class as a certain personality. She was assigned to do a characterization of Senator Loren Legarda.

While doing her dress rehearsal, we chose just a simple look. She wore a black top with sarong, a pair of beaded necklace and earrings. Her hair was styled up as a bun. Then, she asked me if she will wear make-up. I said she could put on lipstick. Then, I noticed her eyebrows - how it was so different from Senator Legarda's picture perfect eyebrows. I thought that maybe it would look better if we fixed it. But, honestly, I don't know how because I also don't touch my eyebrows. So, we just let her eyebrows be.


Nowadays, with the advancement in various technologies, it's not surprising that even the beauty sector has made several significant improvements. One of which is the introduction of the microblading technique. It is a technique used to shape …

Be a WAHM to Stay at Home With the Kids and Earn

I've been a stay at home mom (SAHM) since I got married in 2000. I started being a work at home mom (WAHM) since 2010.

At first, I only wanted to spend some of my free time to earn a little money by finding some writing gig online. I never really imagined that I would be doing it more and more.

It is such a blessing to my family especially when my husband lost his job 6 years ago. What I earn as a WAHM help sustain our family's financial needs.

Knee Walkers - Do You Need One?

I hope I won't need a knee walker, but this innovative medical gadget looks like something that is going to be very helpful. I've seen my husband (and his siblings) suffer from gout and arthritis. They really have a hard time going around when they have gout because of the pain in their ankle or feet. I read that this knee walker is better than the traditional crutch, walker or wheelchair. It is more flexible in helping people who need a mobility aid to move around better.


Knee Walkers are also called "knee scooters." It's a medical equipment that has become well-known on the market now. In fact, there are thousands of knee walkers bought or leased every day and for a very great reason -- they work.

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