Sweet World of Joan

We have recently bought a subdivision lot somewhere near Antipolo City, the community is designed to have a farm/garden homes and even have a cooperative to help you sell your produce. I loved the location and the view; it has a cool climate and is overlooking Laguna de Bay, the largest lake in the country. It will take three to five years to develop the subdivision but that’s okay for us for we don’t have the budget to build the house on it at the moment. At least now we have the motivation to save more for the future. I’ve always wanted to have a farm, growing up in Manila you have a very different environment than what you can experience in the provinces. Lucky for us that my father comes from Bicol where the family lives a farm, such happy childhood memories like playing in rice fields and moving goats from one place is one of my precious experiences during summer breaks. Now I can look forward to have my own little farm and my son can have the experience on living in one. We are p...

One of our dreams is to have our own house, and were on the planning stages on when, where and what do we need to have one. Owning a house or pursuing a business is on my mind nowadays, I have to decide which one would have to be first, for if we acquire a house first most of our financial resources would be pooled there and it would take years to pay off a housing loan and there might not be enough money left to start a business. While if we put our financial resources to support/put up a business, that business might grow and then we can have enough savings to buy the house we really wanted someday. It might take a few years but at least I would have an inspiration to really make the business a success. As of today we don’t really have the money to purchase a house in full and can only pay the down payment, and that’s for a house that is not even our dream house for houses on sale today are really so expensive. I am also checking very carefully on mortgage loans and mortgage loan pro...

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? ...