4 Things to Consider When Buying a Health Insurance

In a perfect world, there would be no sickness and no accidents. There would be no need for a health insurance. It would be ideal, but we are not in a perfect world.

In the United States, under the Affordable Care Act (A.C.A.), or widely-known as Obamacare, every American is mandated to have a health insurance. If you can afford to pay a health insurance, and you don’t have one, you will be fined. As of 2016, the fine is $695 (if you haven’t had a health insurance in the entire year) or 2.5% of your household income, whichever is higher.
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The Power of Giving

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Kirby, E. 2016. Retrieved from unsplash.com

Hello folks! How are you?

Can you believe that it is December? Yep! Christmas is just around the corner! My favorite time of the year.

A word that is synonymous to Christmas is giving. While it is true that this blog is about saving money, getting out of debt, and travel, I would like to talk about giving today. Giving, which is personal, and something that comes from the heart.
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How to Get Cheap Flights Online

book-cheap-flightsTravel is essential. I cannot emphasize it enough. As I’ve said in the past, traveling rejuvenates your body and soul from your everyday routine a.k.a. WORK. This is so true. I am speaking from experience. Every time I come back from vacation, I feel refreshed. If it’s at all possible, one should travel at least once a year. If I could travel more than that, I totally would.

To get you into the vacation planning mode, let me share with you my two most favorite websites where I buy cheap tickets.

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How I Save Money on Entertainment

Hello budget friends! How are you? I am swell. I don’t have any homework or exams. Yippeee! I am just catching up on my shows like Game of Thrones, Vampire Diaries, The Shannara Chronicles, and of course, my Korean dramas that makes me stay up until 1 in the morning.

Speaking of these shows, did you know that I have been saving quite a few on my entertainment expenses every month because of one awesome device? After I discovered this device years ago, I kissed my expensive cable goodbye!

Introducing…the ROKU STICK STREAMING DEVICE!!

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How to Ask for a Raise

payraiseHello budget pal enthusiasts!!! How are you? Did you miss me? I do miss you, guys. I would like to write every week, but since I went back to school, I got extremely occupied. You know how that goes. Right now, I am bombarded with assignments and exams after exams. However, I want to make a presence at least once a month. So, here I am! Yipeee!

Our topic for this week is about asking for a raise from your boss. Yes. You heard that right. Though it can be nerve-wracking,  it can be done. You just have to follow these three guidelines: Continue reading

Saving vs. Paying off Debt: Which Comes First?

Personal-loans-vs-credit-cardsThis is a question that is often asked in the financial world. It is a relevant and a current question especially now that we just started the new year. I had the same question to myself too some years ago. For simplicity’s sake, the debt that I will be talking about in this article is the consumer debt (credit cards, car payments, and personal loans) and not the mortgage debt.

So, which one comes first? Savings or Paying off Debt? Continue reading

How to Stick to Your New Year’s Resolutions

new-year-wishes-2016-images-1Happy New Year peeps! I really hope that you spent your midnight welcoming the new year with grandeur and full of hope.

With the new year, comes new resolutions. Some people don’t believe in resolutions but I do. I think it’s a great idea to set new resolutions for the new year because hello, it’s the new year! Let’s start anew shall we? Continue reading