Starting up a business and making it thrive while also balancing your personal finances is a real challenge.


Understand your cash flow and expenses to keep your business and household running.


Expend exceptional effort towards planning to grow your wealth or get nothing done.


Proper execution continues to deliver wealth and cash flow for as long as you live.

What You Need to Know About Outsourcing in the Philippines

Outsourcing is probably one of the most popular business decisions of brands these days. And when outsourcing is mentioned, why are the Philippines often brought up as well? When did the Philippines become known for outsourcing?

For those who are not yet familiar, outsourcing is a business practice where certain operations of a company are delegated to a group outside the organization. This would come off as a surprise for those who are used to doing everything within their company.

You can have part of your operations outsourced for various reason without the quality of your output suffering. Cost and work efficiency are just some benefits of outsourcing. Going back to the previous question once again, why the Philippines then?

Business Process Outsourcing (BPO) Boom – In the early years of 2000, business process outsourcing centers were established in the Philippines. This started the BPO boom in the country. This decision came about because of the decisions of multi-national companies to increase efficiency and at the same minimize costs.

Eventually, other companies followed suit – effectively establishing BPO centers year after year in several locations in the country. This is how the Philippine BPO industry is still expanding up to now.

Skills – Most Filipinos are equipped with exceptional English-speaking and writing skills which is very helpful in outsourcing. Knowledge in English has enabled the Filipinos to reach out more to international clients. These skills in communication have been widely used and are very popular in remote tasks such customer services, data entry, text support and online transcription.

Language skill plus some technical training has given the Philippines an edge in the outsourcing industry. It also helped that Filipinos are adaptable in most situations and they can provide service to multi-national companies with more ease.

Experience – It was discussed earlier how outsourcing started in the Philippines that when you think about it – there’s now an almost 20 years of history behind it now. Through the years, Filipinos have been trained in various areas such as outsource customer service, data management, transcription services online, operations as well as technical support and have provided exceptional services to different countries. Not to mention, different time zones as well.

They have weathered the 20 years, encountering different technologies, clients, and working environment. The Filipinos have adapted well. The industry won’t have this longevity if not for the resilience and experience of the citizens.

They are now “experts” of the outsourcing industry and it can still grow. There is still so much potential.

And these are just a few trivia you should know about outsourcing and the Philippines. It’s actual very fascinating to see how this industry grew through the years and how it’s still getting better in time. It’s would also be interesting to know what’s in store in the future for this industry too.

Bad Money Habits That You Need to Break to Build Wealth

Every day, you make choices that affect your personal finances and long-term goals. There are bad habits that may look small and insignificant like eating out or impulsive buying.

However, they can sabotage your goal towards financial independence. The only way to build wealth is to gain control of your spending habits and develop positive habits that will push you in the direction you want in life.

Below are some money habits that you should break to build your own wealth and tips to help you get out of them:

#1- You do not make savings as your priority.

Pay yourself first as soon as you receive your paycheck. Saving what is left is wrong. Assign a specific amount for your savings fund and consider it as one of your essential expenditures. You will be more motivated when your egg nest grows each month.

#2- You do not track your expenses

Tracking your expenses diligently helps you achieve your financial goals. It shows you where the money goes and how much you are spending on non-essential purchases. It helps you cut back spending on things that are not your priority.

#3- You keep making excuses.

You always try to justify your spending habits with perfect excuses. Stop it now. Do not let those excuses keep you rooted in your current financial state.

#4- You are living beyond your limits

To afford things that are expensive and luxurious, you use your credit cards to pay for them. Eventually, the interests that pile up can put you in debt trap. To get out, learn to manage your personal finances and live within your means.

#5- You are afraid to invest

Investments are vital aspects to build wealth. Do not be afraid to invest your money to secured investment plans such as property, bonds, insurance, and a lot more. Rich people become richer by investing.

By breaking these bad habits and replacing them with positive habits, you will be amazed how your personal finances improve. You will be a step closer to achieving your financial and long-term life goals.

On Personal Finance: When Should You Best Get a Loan?

A personal loan is an unsecured loan that yields high-interest rates. As much as possible, a personal loan or any kind of loan is discouraged unless you have enough resources to pay for it full in the future.

Personal loan is very convenient in nature as you can easily apply for it and approved without any collateral being required.

But same as any other loan or debt, this can become a burden in the future if not properly managed. Below are a few recommended reasons when we should decide on getting a personal loan.

Debt Consolidation – having debts that have been taken with different institutions, especially credit card issuers, can cause your interest rates to become so high that all you can pay off every month (or other terms of payment) is the minimum amount due.

In these cases, taking on a loan to pay all your debts can help lessen the interest rates that are being paid.

A good tip when taking this action is to look for a personal loan offered by institutions which have smaller interest rate compared to average interest rates of all your debt if you continue to pay for them status quo.

Purchase – a flexible loan can be used to make a large amount of purchase like a car or a house where the borrower does not want to put the goods being purchased under a collateral. This is most advantageous to the borrower.

Unlike other secured loans such as a mortgage loan, it allows the borrower to get the loan unsecured without being required to place the property under the lender’s control.

It also gives the borrower to use the money other than restricting the use of money on a specific purchase of goods.

Events and Leisure – there are times that the cost of events and leisure like weddings and travel vacations can prove to cost a lot of money even for someone who has enough financial resources to pay for these.

Some would find it more beneficial to acquire a personal loan to cover the costs rather than disposing a large amount from their savings.

An online cash loan comes conveniently for the purpose of having extra cash to address any purpose or need a borrower may want to use it with.

Why is Outsourcing the Rage These Days?

Outsourcing – it is a word commonly used nowadays related to work.  Why is it common? Why is it popular these days? Why are some companies turning to this option? Are there any big advantages to it?

Simply put, outsourcing is a practice where certain tasks within an organization are delegated outside the company. It’s undeniably a popular option these days and it is rightfully so. Why are more brands turning to this process these days?

Getting back on track. – When you have started your brand alone or with a small team, you might probably remember the time that every task is still manageable. You can accomplish everything and operations are running smoothly.

However, growth is an inevitable change. You may expand, change your goals, and you’re no longer the same as before. Previously, it only takes a small team to manage your page. Your growth has made that impossible already.

A mistake some groups do – they try to do everything all at once. They try to check everything off from the to-do list, it doesn’t matter if it was a job well done. It’s become enough that they have crossed it off from the list.

What do you expect from that? What’s the result of a job haphazardly done at the shortest time possible? Less than ideal results, that’s what you’ll get.

When your company grows, you can’t do everything all at once and expect to get the same results. However, to maintain your website – you can always outsource.

Outsourcing allows you to delegate other tasks and lets you focus on more important decisions. Outsourcing gets you back on track.  It keeps you from running your brand into the ground.

Having the best of both worlds. – We all have to admit that if we have our strengths we also have our weaknesses. It goes the same for work. It’s impossible to be good at everything. You can’t claim to be the expert of everything. That’s just not humanly possible.

However, you can have the best of both worlds in your brand. You may not have the skills and talent for everything but you can outsource tasks you do not do well on to people who do a magnificent job on it.

You can focus on what you are good at and you outsource the rest. It makes you and your company more effective. You can accomplish more in the same amount of time.

To summarize, outsourcing enables your company to be more efficient. When we get overwhelmed with the tasks and believe we can do everything, outsourcing gets us back on track.


Here’s How You Can You Write SEO-Friendly Articles

If you are a content writer, have you been asked to write SEO-friendly articles? Why is it more advantageous when articles are written in accordance with SEO guidelines? Do you want to understand the reason behind it?

Today, we will explain how you can write SEO-friendly articles and why should you write more of it.

Knowing which keywords to use. – Keywords can lead users to your page. The goal is, when they type certain keywords in the search bar – your website should come up to the top of the list.

Rarely (more often, impossible) that people go through all the pages of the search results to check what they are looking for. If your page contains the right keywords, search engines can crawl to your page and see that it’s related to the search.

That’s why it’s important that you choose your words carefully. One mistake is choosing words that are too vague or have multiple meanings. When your words exhibit these characteristics, the website won’t be relevant in the searches. Pick words which have more precise meanings and can totally be identified within your niche.

Content is still king. – One of the SEO advice on writing is producing great content according to seo expert philippines. It doesn’t matter how great and relevant your keywords are if your content can’t hold its own.

You can drive traffic to the page, but does it have enough contents to catch the attention of the users? We are not just talking about quantity here, we are talking about the quality of the written articles.

While it is important to choose the right keywords as previously mentioned, it’s also important that they are used in a meaningful article. When users are driven to your page, they are obviously looking for something that is of use to them.

If you can’t provide what they are looking for, it’s easy for them to move on. Don’t waste your opportunities! You have already caught their attention, make them stay in your page longer. That can be done by providing interesting and useful articles.

Sharing is caring. – This is still quite related to having great content. So, if you have established that you have great content, what’s next?

When you write content, ask yourself if it’s something that the readers would want to share. Would they find it useful enough that they can see their community benefiting from it if they share it?

Take it to the next level, make your contents shareable! You can even insert easy-sharing buttons on the post, so readers can immediately share in their social media platforms.

Even if they are not thinking about it yet, when they see the easy-share buttons they would be reminded that they can actually share the contents to their circles. Sharing is caring so make it easy for them.

If you need help in creating SEO-friendly articles, you can actually outsource seo services from top SEO specialists in countries such as Philippines.

Travel Insurance Saving Tips

When you travel, you want to maximize the budget and enjoy your destination. So, you look for ways to find the most affordable insurance that will provide the cover you need. Here are some tips for you:

#1- Select the insurance plan that works for you
There are 3 levels of travel insurance travel that you can choose from- basic, medium, and comprehensive. As the cover increases, so is the cost. Consider the following before choosing the plan:

  • Budget- How much are you willing to pay?
  • Need- Aside from essentials like trip cancellation and medical expenses, other benefits depend on your travel plans and personal circumstances.
  • Comfort- If you feel okay with the basic cover, go for it. If you want to avoid potential risks, choose a comprehensive policy.

#2- Avoid unnecessary options
Tailor suit your insurance to fit your travel plans. It may require you to add optional
covers that will provide you maximum protection like high-value personal items cover,
winter sports cover, golf cover, adventure sports cover, and rental car excess cover.

#3- Refrain buying from an airline or travel agency
It is convenient to buy a travel policy when you book your flight. However, you will be paying more than the actual premium. Travel agents can be 2 ½ more expensive while airlines are 3 times more. So, go directly to a travel insurer.

#4- Check out travel insurance discounts
Many travel insurance agencies give seasonal special offers that can save you a lot of money. Take advantage of coupon codes and promos, multi-policy discounts when you buy another kind of cover, discounts for online buyers, and discounts given to special members or customers. But, always check the features of the discounted policy if it suits your travel needs.

#5- Opt for a multi-trip insurance policy
If you travel most of the time, consider buying a multi-trip policy that provides cover year- round. The limit applies to your maximum stay every trip but gives you the same benefits of the single-trip policy.

#6- Combine your policy with your travel friend
Get a combined cover with one policy if you are traveling with family members or friends. Agree on the level of policy cover to save money.

Finally, be honest. Disclose everything especially your pre-existing health issues to avoid cancellation of your insurance or claim refusal. Be wise too!

Breaking the Impulsive Buying Habit

Mall or online shopping can be addicting, and many succumb to the temptation. The easy access to online stores makes shopping more convenient. Clicking the “buy” button encourages impulsive buying which can put a big dent in your personal finances.

There are two reasons why people buy on an impulse:

1. Stress – Many people consider it as a stress-buster or stress-reliever. They love to window shop and find something that uplifts their spirits.

2. Lifestyle – Some people love to shop for what’s new and what’s hot. They shop the latest brands to be “in” fashion.

How do you break the habit of impulsive buying? Here are some suggestions:

#1- Pay in cash.

Stop using your debit or credit card. Usually, paying with cash limits your spending.

#2- Make a shopping list.

Before going out to mall or grocery stores, create a shopping list. Stick to the list and your budget. It will eliminate little impulse purchases. Make a habit of planning. Rank your priorities according to necessity.

#3- Create a 30-day waiting period.

This practice will keep you from making an impulsive purchase. If the infatuation for the item is still there after the waiting period, you can buy it.

#4 – Calculate the value of the item in terms of your life energy.

Divide the price by your hourly wage. The answer will show you how many hours you will work for the item you want to buy.

#5- Ask yourself before making a purchase.

  • Will the purchase significantly improve your life?
  • Does it meet your particular life goal?
  • Does it make you feel better?
  • Will it ease or simplify your daily living? Be honest with yourself.

At the end of the day, always think of how your spending affects your long-term personal finances and life goals. Always keep your saving goals your top priority and ask yourself if the purchase will affect it.

Actionable Personal Finance Tips

We can help you grow your wealth and secure your financial future.

Bad Money Habits That You Need to Break to Build Wealth

Every day, you make choices that affect your personal finances and long-term goals. There are bad habits that may look s

Read More

On Personal Finance: When Should You Best Get a Loan?

A personal loan is an unsecured loan that yields high-interest rates. As much as possible, a personal loan or any kind o

Read More

Travel Insurance Saving Tips

When you travel, you want to maximize the budget and enjoy your destination. So, you look for ways to find the most affo

Read More


Watch your finances like a hawk.

H. Jackson Brown, Jr.


Wealth consists not in having great possessions, but in having few wants.



Beware of little expenses. A small leak will sink a great ship.

Benjamin Franklin