Be Financially Fit! Try BillsIQ!

An average income family could not breath normally nowadays because of the tremendous inflation and increase of every primary needs. The saddest part is the debt of each family that really affect the normal living. Who is going to save the future of each family? The government? The bank that sometimes get so much interest for every debt? Or BillsIQ?

BillsIQ is a site that focus mainly to one of the most important aspect of our finances which are credit, debt, budget, wealth and life plan. The site has a different approach compare to other competitors because they will get some important information regarding to your financial problems using their friendly and practical questions and be able to test if you are financially fit.

If credit is one of your problem then do not just have an attitude of 'it does not matter' because with BillsIQ, you will have a free credit card debt. How? They have a systematic way of asking their clients on how he or she pay the monthly bills which is a debt help. Your solution could be focused on what is to be considered which is debt consolidation. That might not be the best way to solve financial credit but it could offer a much lower rates and BillsIQ has all the debt consolidation resources. With BillsIQ they will help you to give importance on your credit score and payment history through credit counseling. The main idea is to avoid bankruptcy.

According to BillsIQ 'the most effective way to manage credit card debt is paying them off every month and do not use it frequently as the interest rates tend to be much higher than other forms of credit'. Is that a debt relief? Definitely YES!

And if your are into budgeting then do not just sit and wait for some miracles to save your financial status, try BillsIQ because they will give some tips on how to save for your rainy days and be prepared not to have overdraft or devastating situations. And the smart way to budget is having a control of your financial future. Be updated, live with your budget and everything will be fine.

So do not just sit, try to save your finances using Bills IQ.

Car Accident?! Get Free Diminished Value Estimate!

Accident always happen in a most unexpected time and place. Even how careful you are as a driver, you can experience car accident somehow in a place that you can not imagine sometimes. If you had already or having it right now then do not be stressed and bothered because there is a great solution to one of the problem 'on how to estimate the damage of your car'. Do you know that you can just have few minutes to do it and the answer is Advocate Auto Claims! If you have an accident that was not your fault then you can re-coup the diminished value of your vehicle up to four years from date of the accident. And the estimate is FREE!!!




The Advocate Auto Claims has been processing automotive insurance claims for over 10 years through its affiliate company and they are DIMINISHED VALUE EXPERTS!

Budgeting is not just for women's world, it could be ours too!

For almost 5 years, buying a new house around Euro 220,000 - 300,000 is a common practice already in Vienna. People specially those migrant from Phillipines decided to be wise by investing in buying a property such as house or lot. Some friends always say 'Mahirap mag budget sa una, laging gipit kasi madaming gastusin' (It's really hard to budget at first because there are too much expenses). But is it really hard to budget? Here are my tips:

1. Joint Account vs. Not to Spend Account vs. Emergency Account

Make a joint account for your monthly salary and create other accounts for 'not to spend' & 'for emergency'. Why? In your joint account, that is where you will get all the monthly expenses for electric bill, food, mortgage, car, insurance, etc. 'Not to Spend' account is where you will save a certain amount of money like Euro 50 monthly and you can withdraw it only if your 'for emergency' account is zero balance. What is the difference between 'not to spend account' with 'for emergency'. Every 3 months or once a year there are some bills coming like car check up/repair, house repair, kids expenses (teeth, eye glass etc) and so forth, those are not in budget, so you have to get it in your 'for emergency' account.

2. WANTS OR NEEDS

Ask yourself everytime that you will make a decision to buy something if it is a need or want. A car is a need if you will use it going to your work or driving your kids to school. It will be a want if you will buy an expensive car like Euro 25,000 rather than buying a middle class car worth Euro 12,000

Buying also expensive clothes like a designer one is already a want because you can buy the same comfort of a normal shirt for only Euro 25 rather than buying a Euro 55 worth of designer shirt.

Another example is exercising, don't buy an expensive 'high-tech' machine if you can be healthy for only Euro 50 to 100. It is a need to exercise but it will be a want if you buy a Euro 1, 950 worth of gadget.

3. Food(What is necessary?What is not?)

Every family needs food to live but the average expense of it weekly could make your budgeting worse also. But just saving about Euro 20 a week, can be converted to Euro 1,000 a year and could be a budget already for a simple vacation in nearby country like UK, Italy, etc. How?

Stock up when Sale. This is applicable to those items that we use in a daily basis. Do not stock items that will be consumed only once a year, not only will it be not ideal for the space at home but also rob your spending money.

Shop where is the CHEAPEST. If you are residing in a place where there are two or three markets, compare the prices from each store and always buy items in a cheaper one. You can save at least 15%-20%. If you are spending Euro 80 per week, that will be Euro 320 per month, that will be Euro 3,840 per year and compute for 20% less, that will be Euro 768 savings a year. Can you imagine that!

Consider GENERIC BRANDS. An Italian noodle about 1000 g. cost Euro 2.99 but a generic brand which is also 1000 g. cost only Euro 0,99 . See the difference!

Use COUPONS. Some newspaper especially on Sunday publish some advertisement and coupons could be acquired. Have a little time to clip and cut some coupons. Use it for your future shopping lists.

Advance PLANNING. Buy in a large quantities and avoid convenience food, it is much expensive.

I always remember what Inay said to me 'Magtiis na nakabaluktot habang maigsi ang kumot' ('Do not spend too much if you think you are just earning a little!')

a kid can budget also....

Since we bought a new house 2 yrs ago , everyone including the kids should learn how to save something like water, electricity, etc. etc.

Scene 1

Dad: 'J,M!!' (sitting inside the car) 'How come you open the garage door already but still the lights are turned on!

J &M: 'Ooops, sorry'

Scene 2

Yaya H : Washing the dirty plates etc.

M : Tante H...yung water so stark, sparen (save) Tante, magagalit si Daddy!

Yaya H : Heh!

Scene 3

J : Dad let us eat pizza in our favorite restaurant.

Dad : I have an idea! Let us call the restaurant for special delivery and eat it while watching our favorite show (he he he). Tipid kaya he he he

Mom : Yap good idea Dad (wink wink wink)

Scene 4 (the best so far)

Dad : 'Hey M, what are you reading, werbung (advertisement)?'

M : Silent, maybe thingking. 'Dad, ist dass teuer? (Is that expensive?) Pointing to a big Power Ranger that cost around Euro 49.50.

Dad : 'Yap'

M : Ahmmm 'Ist dass teuer? Pointing to another Power Ranger that is really small (ha ha ha)

Dad : 'Nein' (NO) (Euro 9.50 ba naman)

M : 'Ahmmmm Dad, kann Ich dass haben....geschenk.....sa nexte geburtstag ko? with smile pa.(Can I have that on my next birthday?)

Dad : Ok.

M : Hug and kiss wow!

Kids sometimes know the word cheap and expensive, just explain and let them feel that we as parents should budget our financial needs. Smile he he he!