Thoughts About Real Estate and Mortgages in These Trying Times

Hello, hello, hello!

Iโ€™ve been catching up on a TON of work since we got engaged!!! A lot of things have been going on in my personal life as well but Iโ€™m hoping to share more of our adventures real soon. And one of these adventures that Iโ€™d like to share here with you now is not just about travels that weโ€™ve been doing but more importantly, stuff that weโ€™ve been accomplishing to help fulfill those goals weโ€™ve set out for ourselves for this year and the next. I gave you some ideas before about how to reach your goals for 2022 and Iโ€™ve also shared with you some financial tools if your goal is a financial one.

So, this other adventure that I want to share here with you is also a bit related to finances. As you may know, Mahal and I are getting married next year and we are in the works of fulfilling our dream of having a beach wedding in Mactan, Cebu. Even if what we want is just an intimate one with only a few guests, it would still be considered as a big spend for us frugal folks so weโ€™re doing everything we can to augment our income. We donโ€™t want to spend so much on the wedding because we have a bigger fish to fry so to speak. Or shall I say โ€œfishesโ€? Teehee.

And these โ€œfishesโ€ are:

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10 Financial Tools and Tips That Can Help You Stick to Your Budget and Grow Your Money This 2022

Weโ€™re heading to the 3rd week of the new year. Have you started working on your 2022 goals and dreams yet? Perhaps, my previous blog post can help you as I shared there 3 strategies I use to reach mine โ€”> How to Get Anything You Want – 3 Strategies to Help You Achieve Your Goals in 2022

If your 2022 goal has something to do with finances like mine, then stick around because Iโ€™ll be sharing with you some basic tools and tips Iโ€™ve used and continue to use to keep my finances in check, stay out of debt, thereby helping me save more, invest more, retain a good cash flow, and let my money grow

I think even before one thinks about the more complicated nature of finance, it is best to tackle the basics first which is HOW TO BUDGET RIGHT. I believe this is an area where many of us fail from time to time, if not every single time! Iโ€™ve been there in my 30โ€™s. Iโ€™ve always wanted to budget well but Iโ€™ve always ended up in debtโ€ฆ huge debts to the point that my precious house – the product of my own blood, sweat, and tears โ€” almost got repossessed by the bank!                                    

Good thing I was able to start getting out of that rabbit hole and just before I hit my 40โ€™s, I was finally debt-free! I even managed to finish my home mortgage payments back in 2017 making me a proud home owner of a two-story townhouse in one of our capital’s central business districts where real estate prices go high! Iโ€™m about to turn 44 next month and Iโ€™m happy to say that Iโ€™ve maintained my debt-free status ever since. Perhaps you might think it was wisdom that comes with getting older coupled with discipline. Itโ€™s both, but itโ€™s also more than that too. Iโ€™ll share with you the basics below. 

The financial tools and tips Iโ€™ve used to help me budget well and which can help you stick to your budget too are as follow:

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How to Get Anything You Want – 3 Strategies to Help You Achieve Your Goals in 2022ย 

As we begin our journey this New Year, many of us think about having new goals, new dreams, and basically how do we get about achieving them. Iโ€™ve thought about these things myself. Mine in particular is about increasing my net worth to a particular amount and this involves budgeting all of my money and assets well. This thought has been ringing in my mind since late last year, especially after Typhoon Rai hit us and I knew in my gut that I should make this financial goal my number 1 priority.ย 

So, to help me dissect the process of how Iโ€™m going to achieve this particular financial goal of mine this year, I listened to a podcast by Marie Forleo discussing the topic โ€œHow to Get Anything You Want?โ€ This can actually apply to getting anything you want this year โ€” whether it be getting your life back together, having the kind of relationship you want, traveling to a particular place, getting the job or career you want, setting up your own business, winning a nobel prize โ€” you name it and the strategies here will help you make it happen.

Iโ€™ll share with you below the notes I took so that you too, can have some ideas on how to achieve your goals for 2022, especially if itโ€™s a financial goal like mine.ย 

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