Sweet World of Joan

Just got a letter from the credit card company today, it said “Being a valued credit card holder we have increased your total credit line by Php 50,000.00”. I said to myself “Wow! As if I’ll use my credit card to spend that big an amount. I’m not that suicidal” When my husband came home from work, I greeted him with “Love, we can readily buy a car now”. He asked “How’s that?” I replied with, “We can use our credit cards for all three on them now has 6-digits limits.” Hahaha. I told him that as a joke, for it amuses me how much these credit card companies tries to please you so you can spend more. Having credit cards today is common and at times necessary. I know many may say you can live without credit cards and your life is richer. I know that maybe I can have much more money saved if I don’t have them but as a consumer I availed them because of it gives me convenience and at times security. First of all my husband occasionally goes abroad and before we had credit cards it was hard fo...

While having my summer general house cleaning done I came across this little booklet about Getting Money Wise, it was a free supplement from a Good Housekeeping Magazine which I bought a few years ago. I knew I read it all before and reading it again today gave me a new perspective on my family’s immediate and future plans. My son will start his schooling this year and tuition fees and maintenance like the school bus, uniforms etc, need to be included in the family budget. I have plans for buying equipments for my home business and they are not cheap plus I am looking into having a store in the mall. We plan to purchase a house next year. Big Dreams, Big Investments and Big MONEY. The booklet really helped me check if our financial plans are feasible or not. Here are some tips from the booklet I want to share. Get Loan–Savvy If you plan to get a loan here are guide questions you should ask yourselves before getting one. Do I really need to borrow money? How much money should I borrow? ...

As many of you know I have turned my chocolates and baking hobby into an online business. I started small, selling my existing products and just limiting serving customers the traditional way, like transacting thru COD (cash on delivery). My business is a seasonal business but since going online I discovered that I can develop products that can sell the whole year round. I am currently developing them. As for the business side of mylittlebaker.com, I am currently researching elements that I think my business needs especially now that I plan to have a wide range of products this coming Christmas plus considering offering it nationwide. I have identified those key elements to make my online business succeed. They are: a great website, a marketing strategy, an electronic payment facility and logistics or delivery facility Making great website starts with what do you want your customers to know about you, your company and your products. It must answer the questions on how your customer can...