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Personal Finance

Pros and Cons of Joining in Paluwagan

March 16, 2024 by Kristoffer Jan Notario
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For many Filipinos, saving money is a tall task, which is why many can't save enough for their financial goals. This leads to one of the more common saving strategies among friends, families, and even co-workers called a Paluwagan. In this post, let's discuss what is a Paluwagan, how it works, and its pros and ... Read more

Categories Uncategorized Tags Personal Finance, Thoughts

7 Things To Spend More Money On If You Can

March 2, 2024March 2, 2024 by Kristoffer Jan Notario
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I advocate minimalism and simple living, leading me to want to save money as much as possible on things that don't add value to my life. However, there are things that I believe we should spend more money on. The things I've listed may seem to be things you can skimp on, but they are more ... Read more

Categories Adulting Tags Adulting, Budgeting, Personal Finance

5 Practical Tips to Save Money on a Tight Budget

February 24, 2024 by Kristoffer Jan Notario
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Saving money is difficult, and it's even more challenging if you're already on a tight budget. However, that doesn't mean it's impossible.

Categories Uncategorized Tags Budgeting, Personal Finance, Savings, Thoughts

Should You Buy Life Insurance for Kids?

February 18, 2024October 28, 2023 by Kristoffer Jan Notario
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Is life insurance for kids a good purchase for parents or is it just a way for agents to siphon more commissions? Let's learn more!

Categories Health, Insurance Tags Health, Insurance, Life Insurance, Personal Finance Leave a comment

Should You Agree to Be a Co-Maker?

February 18, 2024October 7, 2023 by Kristoffer Jan Notario
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Co-makers are almost always required for a lot of big-ticket loans. However, should you agree to become one? Here are some considerations.

Categories Debt, Relationship Tags Co-Maker, Debt, Personal Finance Leave a comment

Should We Tip in the Philippines?

February 12, 2024September 16, 2023 by Kristoffer Jan Notario
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Tipping is normal in other countries but has yet to catch up in the Philippines. So, do you think we should tip?

Categories Adulting Tags Personal Finance, Tipping Leave a comment

Why You Need a Cash Stash at Home

February 12, 2024September 2, 2023 by Kristoffer Jan Notario
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A cash stash is a portion of your emergency fund that you'll keep at home in case you need immediate access to cash. Learn more from this article.

Categories Uncategorized Tags Emergency Fund, Personal Finance, Thoughts Leave a comment

Why You Should Skimp on Pasalubong When Traveling

February 12, 2024August 26, 2023 by Kristoffer Jan Notario
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There is one thing we often do during travel that makes a trip costlier and a little stressful than necessary - the longstanding tradition of giving pasalubong.

Categories Travel Tags Personal Finance, Travel Leave a comment

How to Live Within Your Means Successfully

January 29, 2024August 19, 2023 by Kristoffer Jan Notario
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We all heard the phrase "live within your means" from various financial literacy advocates. I also mentioned this a dozen times. So, what does that mean?

Categories Uncategorized Tags Living within your means, Personal Finance, Thoughts Leave a comment

9 Filipino Money Proverbs That Still Make Sense

July 5, 2024August 12, 2023 by Kristoffer Jan Notario
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Filipinos have a lot of timeless sayings and catchphrases we use as a guide to living, including an abundance of Filipino money proverbs. Here are nine.

Categories Adulting Tags Money Tips, Personal Finance Leave a comment
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About:

I'm Kristoffer of the Rat Race Running Blog.

I write about running away from the rat race, personal development, intentional living, personal finance and investing, and adulting.

You can contact me here. 
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