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Achieve your goals with budgeting

Most of us have financial goals. You may be saving up for that long overdue vacation, that new car, or just a rainy day fund. You may also be trying to balance your budget. But do you have a plan to reach those goals? If not, I would like to suggest budgeting as your first step. There are many advantages to doing this. I will go in-depth in this article to explain.

Balancing your finances
Before you can start saving you need to balance your budget. Are you spending more than or close to all of your earnings? If so you need to develop a game plan. First calculate all of your expenses each month. If they are greater than your income you need to cut unnecessary expenses.


You can cut unnecessary expenses in several ways. Not all of them require giving up the things you enjoy. If you eat out frequently consider cooking at home. If you're paying for extra monthly services you don't use you should consider disabling them. There may be a free alternative to many commercial solutions …

How to be a productive employee

Have you ever wondered if you're a productive employee? Maybe you haven't joined the workforce yet and are curious what it's like to work in the business world. I talk to people on many different paths and also work with young adults that are largely curious what it's like to join the workforce. I believe I have an advantage here in that I've spent an equal number of years in both the business world and education. Here are a few tips to help you when you get started or to improve upon your current practices.

Understanding metrics
These metrics are often called key performance indicators (or KPIs) in business. They're a way to quantifiably measure your success as an employee. The metrics will change depending upon your role in an organization. A social media manager might be responsible for a certain number of conversions per quarter for example. A programmer might be responsible for launching a project by a specific deadline. Normally defining the KPIs is not …

Going to the Philippines

Will you be going to the Philippines soon? I just recently returned, from Manila to be exact. I've been there a few times now. There are a few things you should know prior to visiting. I'll discuss them in this article. Hopefully you will feel prepared for your journey afterwards.

Passport or Visa
Americans can visit the Philippines for up to 21 days with a passport only. If you want to stay longer you'll need to apply for a visa. My advice is to have what you need ready prior to purchasing airplane tickets. This is just in case your passport or visa are denied or delayed for some reason.
Cash or debit


Most people in the US are used to swiping cards now. Generally cash is still used for most purchases in the Philippines. You should bring at least $100 in cash with you to convert upon arrival in the Philippines. You should also have a rough idea of how to convert from PHP (Philippine Peso) to your currency. This will help you avoid overspending during your trip.


Finding an…