All posts in "saving"

5 Ways To Work Smartly

By Violeta Depalog / May 1, 2018

Happy Labor Day!!! According to, the “Labor Day is a day set aside to pay tribute to working men and women.” In short it is the day to celebrate workers who do the labors that brings the world to its famed development now. Although we still have a Labor Day holiday in our time, it […]


Changes You Should NOT Ignore

By Violeta Depalog / January 14, 2018

My High School Physics Teacher once told me, “The only constant in the world is Change” Jose Mari Chan also sings, “life is a constant change”. If you have also followed the meme in the past weeks of posting your photo taken in 2012 side by side with your photo in 2017, you may have already […]


How To Rewrite Your Financial Life in 2018

By Violeta Depalog / January 7, 2018

It has been warm over the past couple of weeks. FB messenger inboxes are filled with holiday greetings and wishes. Everyone’s Facebook timeline is flooded with Christmas greetings and New Year wishes, not to mention the chain messages like the ‘Welcome Aboard’ that have circulated our inboxes. It feels good to see friends and relatives […]


Two Best Gifts Ideas Of A Lifetime

By Violeta Depalog / December 24, 2017

Give a man a fish and he’ll live for a day. Teach a man how to fish and he’ll live a lifetime. -Lao Tzu In recent weeks, I’ve graded my students’ papers and I’ve found out standing similarities in almost half of the class’ novel analysis essays. Although their sentence construction differ a bit, their […]


How To Produce Results

By Violeta Depalog / December 10, 2017

“Unless you change how you are, you always have what you got.” – Jim Rohn We get excited when we hear new things. We feel the rush, the eagerness when we hear a new thing to earn money, or to make your money grow. But sooner, the excitement diminishes because we start finding reasons why […]


What is Wrong With Your Financial Calendar

By Violeta Depalog / November 19, 2017

Don’t start spending all your money until you have spent them all. -Violeta Depalog Plan, have a budget of how this money is to be spent before starting to spend even a single cent of it. That’s easy. The most difficult part is sticking on it. How disciplined are you in following your budget? One […]


How NOT to be a SLAVE of your Money

By Violeta Depalog / November 12, 2017

“If you let a puppy run free, he runs in all directions and you don’t know where he’ll end up. But if you’re guiding him on a leash, then you both end up where you want to be.’’ – Kim Kiyosaki Have you put a leash on your puppy or the puppy has put a […]


Why Salary Increase Won’t Solve Money Problems of Teachers

By Violeta Depalog / November 4, 2017

One of the reasons why the rich are getting richer is because they love debts. They use debts to get richer. They know how to use debts. -A lesson learned from my afternoon lunch with Robert Kiyosaki He also said that “Sixty-five percent of all professional athletes are bankrupt years after retirement” In the Philippines, how […]


How Can Teachers Keep Receiving Cash While Paying Their LOANS

By Violeta Depalog / October 28, 2017

“Are you going to suffer the pain now and look for solutions or continue the same practice until your loans will accumulate?” –DepEp Secretary Briones The Problem among many teachers is instead of coming up with reasons why they can, they come up with more reasons why they cannot. Towards the end of this article, […]

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