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Thoughts

When Cutting Expenses is No Longer Enough

January 29, 2024July 8, 2023 by Kristoffer Jan Notario

Cutting expenses is important in our personal finance. However, cutting your expenses is sometimes not enough.

Categories Uncategorized Tags Budgeting, Personal Finance, Thoughts Leave a comment

10 Self-Improvement Lessons from Duolingo

July 15, 2024June 24, 2023 by Kristoffer Jan Notario

If you’re learning a new language, you’ve probably heard about Duolingo. But did you know that this language-learning app also teaches self-improvement?

Categories Productivity, Self-Development Tags Thoughts Leave a comment

What is the Kurot Principle in Spending?

January 29, 2024June 3, 2023 by Kristoffer Jan Notario

The Kurot Principle is a simple yet effective personal finance concept that applies to many Filipinos’ money management.

Categories Uncategorized Tags Kurot Principle, Personal Finance, Thoughts Leave a comment

4 Types of Rest And Why It’s As Important As Work

January 23, 2024April 8, 2023 by Kristoffer Jan Notario

We live in a stressful time, which prompts us to rest. However, not all rests are the same. Here are four types of rest and why rest is as important as work.

Categories Adulting, Health Tags Rest, Rest is Important, Thoughts Leave a comment

8 Simple Ways To Improve Your Financial Literacy

November 25, 2023December 17, 2022 by Kristoffer Jan Notario
8 Ways to Improve your Financial Literacy

Financial literacy is crucial if you want to attain financial freedom. However, you need to work for it. Here are ways to improve your financial quotient.

Categories Uncategorized Tags Financial Literacy, Personal Finance, Thoughts Leave a comment

5 Considerations When Buying Big-Ticket Items?

December 16, 2023October 29, 2022 by Kristoffer Jan Notario
Big-Ticket Items: What To Consider?

What should you consider when buying big-ticket items, like its purpose, lifestyle changes, financing, and even timing? Learn more in this article!

Categories Adulting Tags Adulting, Big-Ticket Items, Goal Setting, Thoughts Leave a comment

Compound Interest: A Double-Edged Sword

September 27, 2023September 17, 2022 by Kristoffer Jan Notario

Compound interest is a great instrument for making your money work for you. However, if you’re in debt, it will definitely work against you in a similar manner.

Categories Uncategorized Tags Compound Interest, Interest Rate, Personal Finance, Thoughts Leave a comment

PAG-IBIG MP2 Beginner’s Guide

December 16, 2023August 6, 2022 by Kristoffer Jan Notario
How to invest in PAG-IBIG MP2

PAG-IBIG MP2 is a voluntary, government-backed, and tax-free investment opportunity for Filipinos where you can earn through dividends and can start investing for as low as P500. Read this to learn more.

Categories How-To, Investing Tags Investing, MP2, PAG-IBIG MP2, PAGIBIG MP2, Personal Finance, Thoughts Leave a comment

15 Tips to Fresh Graduates

June 30, 2024July 2, 2022 by Kristoffer Jan Notario

Remember, don’t be too hasty in reaching for your dreams because dreams change. Don’t be afraid to reach out to your families and friends because time is limited. Stop living somebody else’s dreams, and start living yours.

Categories Adulting Tags Adulting, Graduate, Thoughts Leave a comment

12 Fundamental Money Advice For Fresh Graduates

October 16, 2023May 28, 2022 by Kristoffer Jan Notario
12 Money Advice For Fresh Graduates

Graduating from college is exciting until you start working and paying your bills. To help you, here are 12 pieces of money advice for fresh graduates.

Categories Adulting, Thoughts Tags Adulting, Goal Setting, Life Lessons, Personal Finance, Thoughts 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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