How to Avoid Being Broke

Making your financial situation under control is like finding the right balance in your life. And as any other things that life throws at us, finances doesn’t come as the easiest and most convenient to manage. There always comes a time wherein you’d get broke and cash-strapped and you have no other option but to borrow money. Read More: 5 Mistakes You Will Regret in Your Lifetime We know it’s easier said than done, but it’s better for you to be reminded on how to avoid pitfalls that will make you suffer financially: Table of Contents1. Re-align your mindset.2. Modifying your lifestyle.3. Manage debt wisely. 1. Re-align your mindset. The most important factor to recover from an awful situation is to change your mindset. If you keep on instilling in yourself that it’s hard for you to recuperate – that you don’t want to change your situation – it will really be hard for you. Be positive about your situation plus have a corresponding plan and action points to back it up. Worrying can only attract more negativity and will lead you to nothing. 2. Modifying your lifestyle. The golden rule about saving is to spend within your means – it is the direct reason why people get broke. Here are some scenarios: A high cost of living – this means your home and all your utility bills. Experts say that you should only spend around a one-third of your income on these kinds of expenses. If you’re spending more now, try to make some changes by finding a roommate, or…

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5 Signs You’re a Poor Financial Decision-Maker

What behold our future are our present deeds and accomplishments. If we do something good today, we can earn something great after, and otherwise if you do the opposite – that’s the basic rule of life. In terms of finances, no one likes to feel hopeless in money – the feeling of wanting something but you know in yourself that you can’t afford it. No one wants to be poor if we all have a choice, but our habits can lead us to the other end of our goal. Here are signs that it’s going to be hard for you to recover from debt: Table of Contents1. No Financial Goals2. Awful Spending3. Prioritizing a “Wealthy Image’4. Preferring Shortcuts5. Lacking of Emergency Funds 1. No Financial Goals A solid plan is a good strategy if you really need to achieve something. You need goals and steps to be able to have something to look forward to and track in the process. It’s hard to craft any workable plan without a specific goal, and it’s impossible to achieve any goal without a logical plan. A plan and a goal give you direction and the lack of it can either make no changes to your financial state OR make it situation worse. Choose. 2. Awful Spending Shopping is fine as long as you have the capacity to pay. Impulsive buying has something to do with handling your emotions plus finances. When you think you’re one of these impulsive buyers, it’s the best time to you take a look at your habits because if…

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Real-Life Stories: The Curse of Internet Speed in PH

According to the latest Net index report of Ookla, an Internet broadband testing company, the Philippines has one of the slowest connections in the world, ranking 158th out of 190 countries worldwide in terms of Internet speed. Is it really that bad? There’s no better way to capture the inconveniences that slow Internet brings us more than firsthand experience. Below are real stories from individuals who have experienced the burdensome broadband speed in the country. Josyn Palma, 25 When I was working for an NGO that links students in Metro Manila and Mindanao for dialogues on peace and the peace process in Southern Philippines, we would always give lectures and classroom video conferences. To do this, we need a good Internet connection which would affect how the classes would go and whether we could have classes at all. We’d have the kids in Mindanao all assembled (some would have to take a bus to the area). There were times when the Internet in Manila would be dead, so we couldn’t connect to Skype and couldn’t have the classroom video conferences, and this would happen right as we were going to start the CVCs. Peter Noszek, 23 Since I am working in the Philippines and my family is living in Switzerland, we always try to find a time for a video call so we can catch up. It’s hard enough to get a time when you are both free because of busy schedules and time difference. However, the slow Internet connection makes the distance even harder to cope with. The video…

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SkyCable Forms SkyBiz for Corporate Clients

SkyCable Corporation, one of the leading cable TV providers brings SkyBiz. It’s main focus is on the advanced fiber-optic infrastructure of broadband services to capture the corporate market and the growing SMEs. According to SkyBiz head Jon Arayata, the vision is to capture the growing market in the country which is timely.  “The enterprise data market is around P30 billion and most of it come from multi-national companies.” He noted the Philippines is moving towards the so-called fiber-to-the-home broadband connections technology. “Fiber-to-the-home in the US is already a widespread service and we’re also heading there. What we’re trying to do now is extend our fiber reach near to the customer premise,”Arayata said. SkyBiz also introduced its cloud Wi-fi solution that provides a hot spot that can be accessed from several devices without the need to plug into an Ethernet cable. SkyCable’s solid infrastructure will empower the advance fiber optics in its cable lines which allows it to provide the same stable connection and high-speed internet access 24/7. It covers the whole Metro Manila and even extends to Cavite, Laguna, and Bulacan where it also has cable operations. “We’ve also been getting cable companies in Cebu, Davao, Bacolod, and Baguio,” according to Dinky Liwanag SkyBiz’ Head of Sales. “We want to ensure that you, your business, your employees and your customers remain satisfied and happy,” Jon Arayata, head of SkyBiz, said.

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Retirement Mistakes Pinoys Always Commit

Sadly, there are these Filipino mistakes and myths about personal and household financial management that dictate how we live our lives and raise our children. But don’t fret, because as long as you have the luxury of time, there’s something workable about your situation. The problem is that most of us today don’t prioritize retirement planning at all. Here are some mistakes Pinoys always commit when it comes to retirement: Table of ContentsDependence on relativesRetirement ageRelying on Government/Company retirement package alone Dependence on relatives Have you heard “Anak, mag-aral ka ng mabuti, para ‘pag nagtrabaho ka na, ikaw na ang bahala sa amin.” It’s not a bad thing when you’re children and relatives give you money when you retire, it’s not even bad to ask. However, the issue about it is that it’s not good and healthy, either. Most Filipinos believe that when you raise your children – feed them, give them the best education or protect them from any harm – they are obliged to pay you back someday. Parents raise their child because it’s their responsibilities to do so that goes along with children’s right to be sheltered, fed, and given the opportunities in life. Your children are your obligations, not your investment where you can expect returns. This doesn’t mean, though, that you should ignore your parents when you’ve reached your point of success or even when you’re already earning a decent income. It’s a pride and joy to give your parents something as their reward for their hard work on nurturing you – there’s never wrong…

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Back-to-School Guide for Mommies

Parents and students, after more or less two months of summer break, the school year is here. Apart from the forthcoming and seemingly-never-ending school expenses, the daily morning battle of waking up earlier than summer mornings, longer and tiring days, nights of re-learning general education, and a whole lot more is on again. Nothing beats a well-planned groundwork for the coming school season. Here are saving tips and survival guide for the awesome-st person in the household: Table of ContentsRecycle as much as possible.Spend more if needed.Make a ‘Baon’ plan.Prepare for the rainy days.Put names.Excite them with hand-me-downs.Make do of the ‘transition week’.Make the first day memorable. Recycle as much as possible. Some school bags, shoes, uniforms and a lot more can surely last more than a year. Cut your expenses with these things that you think your kids can use again. Some of these may not be 100% in their best condition but for sure, it can still be usable as it is when you bought it. As much as possible, try to make use of school supplies used last year for this school year. Re-train yourself on sewing, pasting, sticking things and bigger savings will surely come and could be allocated to other important things. Spend more if needed. Cheapest is not always the best deal available. Recycling is important as it directly saves your money but sometimes, moms should know when to pay more to save more later on. For instance, buying quality goods like shoes can spare you from buying another in the middle of the…

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6 Most Fulfilling Jobs in the World

To some people, their job is their life. They don’t necessarily need to get paid six-digit figure salaries, but still enjoy their line of work. Sometimes, these people work as volunteers, working for the love of the job instead of for the money. These are the kinds of people who are worth looking up to, who are role models, and who serve as an inspiration. The jobs they are in don’t necessarily reward them with riches and luxuries, but they are rewarded with something beyond the materialistic. Table of Contents1. Red Cross Volunteer2. UNICEF Ambassador3. Social Worker4. Teacher5. Environmentalist6. Human Rights Officer 1. Red Cross Volunteer Red Cross volunteers work part time or full time and are often sent to places in their home country or around the world. They receive training for first aid and other important skills for rescue and relief. Most Red Cross volunteers agree that their job gives them the greatest satisfaction when they’re able to make a difference and are able to help out people in need. 2. UNICEF Ambassador It may not be easy to become a UNICEF Goodwill Ambassador, but working for UNICEF itself is fulfilling already. Those who work with UNICEF may have a long-term or short-term occupation involving education, nutrition, or medicine, all of which are geared towards improving the lives of children around the world. A lot of UNICEF workers find the job challenging, but extremely satisfying. How can it not be? You see the smiles of children at the end of the day; that in itself is a fulfilling…

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Should You Lend Money to Friends?

The short answer is “Yes, if you can.” However, be mindful of the following consequences. When a friend or a family member needs to borrow money from you, the feeling can be overwhelming especially if you know that you can help. But if things do not go as planned; payments are delayed and when you simply cannot get your money back, your relationship with that person might be at risk. Lending money to friends can be unmanageable and cumbersome. If they come to you now to borrow money, here’s what you should do: Table of ContentsAsk if they need your helpOffer alternativesBe mutually clear about your termsUse your head – and your heartDon’t let others knowThink of it as a gift Ask if they need your help It took them a lot of pride to come to you even if you’re friends and related to each other. It will take them even more pride to ask. You don’t like more of that so take the chance to ask what they need. Be sure that there is a sense of necessity and urgency in the situation. Offer alternatives As much as possible, don’t lend money. Instead, come up with a great alternative like a legwork to something or some groceries, depending on what they need. You can also provide them with income generating opportunities that you know of. Explain the burden of having a loan. Be mutually clear about your terms Now, if you’re left with no other choice but to lend, treat it as a formal business transaction. Do not…

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Recto’s Bill Seeks Free Wi-Fi Access in the Metro

  Senate President Pro Tempore Ralph Recto proposes Senate Bill No. 2232 or the “Free Metro Manila Wifi Act of 2014″ a free public Wi-Fi in all government buildings and parks, national roads, tollways and expressways, public transport terminals and mass rail transit stations in Metro Manila. The Senate bill seeks to direct the Information and Communications Technology Office under the Department of Science and Technology to ensure free Wi-Fi service in the country’s capital region “to build an innovative, progressive, and rapidly digitizing economy.” “Connectivity to the Internet will enhance business growth opportunities and will assure citizens in NCR ease of sourcing timely information at the click of a button,” Recto said. It also gives more opportunities to the under-privileged in terms of technology to access more information they need. Proposed Areas with Wi-Fi Access: All national and local government offices Public health services and hospitals Public elementary and high schools, and state colleges and universities Ninoy Aquino International Airport (Terminals I, II, III and IV) Public libraries Tollways and expressways Epifanio de los Santos Avenue (EDSA) and other national roads Public transport terminals Port of Manila Mass rail transit stations (LRT Line 1, MRT Line 2, MRT Line 3, and PNR south rail) The bill also wants to tap the existing commercial Internet service providers to provide the free public Wi-Fi for the meantime until a national broadband system is installed. What are your thoughts about this? Do you think this bill is possible in the Metro? Are you going to benefit from it?

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Avoid Overspending While Traveling With These Tips

When traveling, one must expect to spend a lot of money. Even if a budget is set, there are still many little things travelers are tempted to splurge on, including pasalubong, lavish dinners, and outdoor activities. Don’t let this be the case this season. Travel and stick to your budget to avoid debt and other financial problems. Here are some ways to avoid overspending during your travels. Table of Contents1. Transportation2. Accommodation3. Food and Drinks4. ActivitiesFinal Thoughts 1. Transportation If you’re booking a flight, whether for local or domestic, make sure that you book ahead of time. Most ticket prices can go really high, especially if the booking date is only a few weeks before the travel date. If you have a credit card, take advantage of air miles because you might possibly get a free ticket to your choice destination. Also, it’s always wise to sign up for loyalty programs to know about the latest deals and discounts of your preferred airline. Wherever you’re going, always research on modes of transportation. Of course, commuting or taking public rides is definitely the cheapest way to go around, but renting a car or a van may also be a good idea, especially if you’re with a large group. Compare the cost of commuting and renting a vehicle to know which is more practical. 2. Accommodation Most travelers make the mistake of spending a lot of money on accommodation. While choosing the best place to stay is really a no-brainer, five-, six-, or even seven-star hotels are not your only options. Unless…

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CCAP offers online shopping security tips

Amid increasing popularity of online selling and shopping in the country, the Credit Card Association of the Philippines (CCAP) has urged the public to be extra vigilant when transacting online. Alex Ilagan, CCAP executive director and spokesperson said consumers have to be smart when shopping online, aware about the whole purchasing process, know who they are dealing with, and assured their account and credit card details are being dealt with safely. Ilagan explained online shopping is certainly here to stay, and online security continues to become advance, but the use of common sense and knowledge about buying process will ensure online shopping is as safe as possible. Table of ContentsSafety starts with the basics and good judgmentDealing with disputesCaution should be extended to emails Safety starts with the basics and good judgment “Basic, before you type your card details into a website, ensure that the site is secure. Look out for a small padlock symbol in the address bar (or elsewhere in your browser window) and a web address beginning with https://,” Ilagan said. To further bolster online security, CCAP revealed most of the issuing and acquiring banks today now have a system capable of monitoring online usages and flag/alert suspicious transactions, while others issue a separate credit card with lower limit specifically for internet usage. Likewise, a number of issuing banks have a one-time or static password requirement on top of the credit card number, expiry date and card validation code as added security, while some acquiring banks would require their own acquiring system and their merchants be on…

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Roam & Roar in Singapore

(Click image for a full-screen version of the infographic.) Immerse yourself in a land that boasts of many colors, with prominent influences from the Chinese, Malay, and Indian cultures. Explore Singapore for 3 days and 2 nights for as low as Php9,575 or Php 797.92 per month for 12 months using your Metrobank credit card. Singapore, also called the Lion City, Little Red Dot, and the City in a Garden, is 1,486 miles away or approximately 4 hours away by plane from Manila. It is made up of 63 beautiful islands. Undoubtedly, the most popular is Sentosa Island where tourists can easily switch from a nature trip to a luxury shopping spree. Visit Marina Bay Sands, the first integrated resort in Singapore and the world’s most expensive building, which is reportedly worth US$5.7 billion. Across the resort is Singapore’s national symbol, the Merlion, overlooking the three towers of Marina Bay Sands. The merlion is a mythical creature with the head of a lion and the body of a fish. Head with the whole family to Resorts World and take that obligatory photo with the Universal Globe at Universal Studios. Then, muster all the courage you can find before riding the Battlestar Galactica. When you feel like binge eating, go to the hawker center and order the Chicken Rice which is considered the national dish of Singapore. It is steamed or boiled chicken on top of fragrant, oily rice and serviced with sliced cucumber. If you are particularly searching for the best chicken rice, the legendary Tian Tian Hainanese Chicken Rice…

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Summer Wardrobe for Under PHP 1,000

Summer is the best season to have fun under the sun! Before you head on to the beach and flaunt your curves, you might want to re-evaluate your wardrobe first, if you have the right outfit for this season. Read more: 7 Surprising Ways to Save Money on Clothing Want to look fabulous this summer? Update your wardrobe with summer-themed clothing items. However, this can be a problem especially if you don’t have the budget for clothes shopping. Don’t worry, here are some helpful tips on how to get summer wardrobe for under PHP 1000. Table of Contents1000-peso ChallengeUkay Okay!Tiangge FashionDepartment storesOnline shops 1000-peso Challenge Some people do not agree with 1000 pesos as an ideal budget for shopping. It might seem small but you just need to be resourceful on how to find the right clothing item and where to find it with a discounted price. Listed below are the places where you can go to find the best low-priced summer fashion: Ukay Okay! Ukay-ukay or second-hand apparel store is one of the popular shops in the metro where you can find low-priced clothing items. The name came from the Tagalog word “Halukay” which means ‘to dig-up’. This type of store started in the summer capital of the Philippines—Baguio City. What’s good with the products from ukay-ukay are the imported clothing items like jackets, shirts, sweaters, shirts, and other ready-to-wear (RTW) items. They also sell bags, shoes, and accessories. Save 50 to 80 percent by purchases stuff from this store. Ukay-Ukay is patronised not just by ordinary people, but also…

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Best Mother’s Day Gift Ideas

On Sunday, May 11 this year, people all over the world rejoice to one of the most celebrated holidays of the year – Mother’s Day.. Every day could be mother’s day for some, but it’s nice that you devote a little time and effort on this day to be with your all-time protector, care-giver, #1 fan and everything wonderful – your Mom. All of us may not be mothers (yet), but all of us, of all ages, are our Mom’s forever kids. There are different ways to celebrate mother’s day by making her extra pampered. What else do you think will make her happy on her special day? Our moms definitely deserve only the best; here are some gifts you could give them on their special day: Table of ContentsFlowersDine outPerfumeMom-and-me PhotoSalon & SpaJewelryTravel Flowers Some women don’t like flowers because they wither, but most girls definitely love the idea of receiving it. Take it from the florist who makes big sale on Valentine’s and Mother’s Day. Surprise your momma even with a piece of flower, or if you feel like it, a bouquet. If you’re going to buy days ahead, make sure that a source of water is available. If you’re not a hiding expert, however, have it (signed, sealed) delivered in the morning of Mother’s Day. Dine out Don’t let her cook, instead, treat her to a place where she will surely enjoy the food. Some hotels and restaurants in the Metro offer big discounts to moms and almost all credit card holders. For sure, this day will…

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Get a Summer Makeover for Under PHP 1,000

Can you feel the heat? It’s a great time to take a dip in the pool or have a fun getaway to the beach. Summer is also the time to have a makeover. Whether you’re a student, working girl, or even a mom, there’s a simple reason why you’ll need a makeover—and that is: to feel and look better. Read More: Fun Summer “Jobs” for Your Kids People will surely turn their head on you when you pass by them. Changing your looks will surely boost your confidence. Here are ways to get a summer makeover for just 1000 pesos or less: Table of ContentsEnroll in an inexpensive gymChange Your HairdoTry a new lip colourBuy new clothes Enroll in an inexpensive gym The summer season is the best time to show your curves or flex your muscles. Getting in shape is one of the best summer makeovers you may achieve. Enrolling in an inexpensive gym is similar to signing up for a pricey fitness centre. The facilities and services provided may be different but in terms of getting into shape, it is really up to how you incorporate exercise routine in your schedule and be serious in being fit. Wear your new bikini and flaunt your curves. Make women drool over your sexy abs. Inexpensive gym will only cost 70 to 100 pesos per day. These establishments may not have state-of-the-art gym facilities, but they have the essential equipment you can use to lose weight and tone your muscles. If you’re a guy, you may need weights like barbells and dumbbells…

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Get a Home Makeover for Under PHP 5,000

Every homeowner’s goals is to improve the looks of their home. This is not always the top priority for most people due to a lack of funds for renovation or a home makeover. However, this should not be removed in the list of the things you have to do for your home. Do you want to redecorate the interior or exterior part of your house? If you want to update the style of your home but you just can’t afford one then try these makeover tips that will surely fit your budget: Table of ContentsRe-paintCover the Walls with WallpaperCreate a Zen Area or Redecorate the GardenChange the Lighting of your HomeFinal Thoughts Re-paint Repainting can do the trick if you want to change the setting of a room. Change the colors of any room by using different color tones. There’s an array of paints you can choose ranging from dark to lighter hues. You may base the color of the paint you will be used according to the personality or favorite color of the room owner. Kids will love pastel and lighter tones of pink, blue, violet or green. The cost for this will depend on the brand, color, and size of the paint you will be buying. The price costs start at Php450 to Php1,600 for 16-liter paint. Cover the Walls with Wallpaper Another tip on how to redecorate your interior is to put up wall coverings into your dull-looking walls. There are different ways on how to redesign the walls using this material. One roll may cost more…

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6 Tips for First-Time Job Seekers

After the customary “Congratulations!” on your Graduation day, did you know what the society expects from you next? Earn money and be employed. The pressure will always be there on job seekers but here are tips to make the whole job application process a piece of cake: Table of ContentsCome up with an Impressive RésuméMaximize the Internet connectionExplain your Thought Process on InterviewsDon’t be Late!Be YourselfMaintain Contact Come up with an Impressive Résumé To be impressive, it just has to be specific and direct to the point. Avoid details that are not important to the ones who will read it (the employer). Make sure that all the details are easy to understand. It’s important to include information and details that explain why are you above other candidates. If you have a work experience, place it in reverse chronological order. Prospective employers are more interested on your latest employment. If figures and portfolios are important in your profession, make sure to include links and highlight important numbers. On the other hand, keep your personal statements short. Make your resume free of any spelling and grammatical errors. Keep your text size around 11pt in black, and in an appropriate font like Arial which is easier understand. Don’t choose ‘complicated’ fonts thinking that your resume will stand out, no. Maximize the Internet connection Invest on a stable broadband. Compare all in the market so that you can find which works for you best. Having your own and stable internet at home is not a luxury anymore among Filipino families today, but more of a…

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Personal Financial Statements You Should Keep By Now

One should track down his or her personal financial statements. I have read it in personal finance books and heard it in conferences and seminars. They said those statements serve as tools for you to be able to understand your attitude towards money. They said you needed to understand your behavior towards money so you will know how to control it. I kept on delaying my tracking because I always thought I was too busy or too lazy for it. However, a few months of stuffing my emergency fund and two healthcare payments later, I realized that I was actually doing it. I tracked my daily expenses, my savings, my ATM transfers, my yearly budget and my assets. It was something that started naturally, but not quite instantly. After learning it, I began to see where my money went, how close I am to my goal, how much money I have this month for investing, how much more I need to save for my healthcare dues and so on. I sort of felt a little at ease with my money, knowing that the large portions of my savings went to investments and to my mom’s allowance. However, for a non-accounting person who is quite unsure whether a transaction is a credit or a debit, it would be difficult to go with the usual personal financial statements that we hear of – income statement and balance sheet. If this type of documenting process is tad complicated for you right now, it might just add to the reasons why you wouldn’t create…

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10 Best-Tasting Meals Under P200 in Makati

How will you survive in the Wall Street of the Philippines? If you only have a meager allowance to get you through the next pay day and you don’t have a credit card to swipe, you’re probably thinking that your only choice is to wake up extra early and prepare the day’s packed lunch. Before you even decide to stock up on your favorite instant meals, here is a shortlist of places that offer cheap, scrumptious, best-tasting meals within Makati’s central business district. You can also check out our list of 10 best eats at BGC for under Php 300. Read More: 10 Best Affordable Buffet Restaurants in Makati Table of Contents10. Family Mart’s Katsudon9. Bugong Roast Chicken’s Roast Chicken Meal8. Commune’s Organic Pinoy Veggie Dishes7. Bellychon’s Cebu Lechon Belly6. Adobo Connection’s Crispy Adobo Flakes5. Warung Indo’s Kwie Tiaw and Ayam Penyet4. Rodic’s Diner’s Famous Tapsilog3. 101 Hawker Food House’s Specialties2. Banapple’s Pasta and Rice Meals1. Jolli Jeep’s Chicken Sisig MealWhere do you go out for lunch? Do you know some more places in Makati for cheap and delicious eats? Comment below! 10. Family Mart’s Katsudon Don’t have enough time for lunch? Family Mart’s grab-and-go Katsudon meal is too hard to pass up! It’s like your normal Katsudon in a Japanese restaurant for a cheaper price. The sushi tray is also worth-trying. Budget: Php125.00 for Katsudon, Php99.00 for Sushi Tray Locations: Glorietta, Glorietta 5, Alco Bldg., Dela Rosa 1, Alphaland, The Grand Midori, Global Enterprise, Makati Bel-Air, Dela Rosa Carpark 3rd Level, One Central, Beneficial Life, Park Square 9. Bugong Roast…

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7 Travel Tips for Couples

There’s just a different feel when you travel with your partner.  It’s such a whole new level in your relationship when you experience things and places together. For sure, it will be a truly memorable experience but, you two should consider a lot of things to make it worthwhile. If budget is not an issue or you think you can always maximize your credit card to finance your trip, there is a lot more to think about. Here are valuable travel tips for couples. Table of ContentsPlan togetherGo back to places you loveMake sure you have fundsBe yourselvesMake time for romanceSchedule some alone timeManage stress Plan together Good planning is vital as it leads to more time of having fun and less chance of hassle and overspending. Plan together to minimize the conflict of one may not enjoy the activities as much as the other that can be a potential root of your rift. You don’t want to ruin your getaway, right? Make a list of what you two like to do together and individually, if there’a big difference, one should compromise. Take advantage of the planning stage because it’s a good way to know your partner better.  Go back to places you love Don’t worry about going back to places you both enjoy instead of going somewhere new. It can reduce the stress levels as you are more familiar with the place and it feels home on the road. Make sure you have funds It makes sense to keep a credit card or cash in your pocket just in case….

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