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This tip is useful when you have a large family. Of course it’s fun to buy gifts for loved ones but sometimes it can be very expensive.

Last Christmas, we gave gifts to our relatives but we prioritized the children. Unless you have exchange gifts within the family, you’re not really compelled to give everyone a gift. Instead of buying them individual gifts, you can offer to cook them your specialty or bake their favorite cookies. You will surely enjoy the compliment afterwards. Read more »

Today I decided to be generous by giving away a free ebook, which I purchased online some time ago. This ebook is a step-by-step guide in putting up your online business.

What you will learn from this ebook:

1. What’s the very first thing you should do when beginning your online business? In this chapter, we’ll talk about proper planning. It may surprise you how many people fail to plan properly…and the outcome of this failure to plan can be disastrous!

2. What kind of business should you start? It may be a bit strange to understand, but any area that has experts, usually has area for experts to market a product. But what exactly should you be looking at?

3. What in the world is affiliate marketing? Some people prefer not to deal with any of the normal hassles, such as dealing with customers, fulfilling orders or even having to take payments. Could affiliate marketing be the perfect fit for you?

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I’d like to digress from the usual family-related topics so now, I’m going to talk about some things you need to know before you invest in the stock market.

Not a long time ago, I was completely naive about stock market-related matters. I didn’t even know how to read graphs or what the green and red arrows on Bloomberg channel meant. It was only when I got married that my husband explained to me the nitty-gritty of his bread and butter. What I thought to be out-of-this-world is after all not that hard to understand.

When it comes to investing in the stock market, many people think it’s an opportunity to make easy money without much effort. When they learned that their friends made money in stocks, they also jump in the investment bandwagon right away. They do this without any knowledge of the market and stocks. Most of them don’t even know what they are getting themselves into. Before they knew it, they already lost a hefty sum of money if not all of it. They couldn’t believe how fast their money disappeared. This is where they arrive at the conclusion that investing in the stock market is very risky and evil. They then go around and tell people to stay away from it because they might end up losing their shirt as well. However, there are a few people who emerged very successful and they are usually the ones who know that investing in the stock market requires some degree of skills.

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My 22 year-old cousin loves the American apparel Guess more than anything else. If she’s gonna wear anything, it better be Guess. When she won P82 million in the lotto in April 2004, she started splurging right and left. She had a nice house built in this posh village in Iloilo, bought several cars, several pieces of land, overpriced jewelry and yes, clothes, shoes, and purses! Since there are no haute couture stores in Iloilo, the most expensive brand that she could adorn herself with is Guess. The lone Guess branch at SM Iloilo became her everyday shopping destination and spending P10,000 - P20,000 at least per visit. She was caught up in this frivolous life of the young and loaded. She was spending as if money will last forever.

Until one day, we just heard that she sold some parcels of land that she bought and was renting out her house to Koreans. Not only that, she also sold her two cars and started taking a cab to the city. She also lost her jewelry to pawnshops and found herself borrowing money from neighbors. All these happened in a little more than a year since she won the lottery. Those who know her couldn’t help but wonder how she could spend that much money in a short period of time. She was still addicted to Guess, though. She would ransack the store every week for new finds. Nevermind if she couldn’t pay her loan from her neighbors. Then, she finally sold her house to a Filipino nurse from the States for only 7 million, which is lower than the original cost of building the house. When she got the payment for the house, she went straight to Guess to celebrate.

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