How to be a responsible credit card holder?

credit card

A credit card is a must to have nowadays. It will help you to your budget if you use it wisely but it will also be the reason for you to be in deep trouble. It will let you end up broke for spending too much.

It is really easy for you to buy something you like by just swiping your credit card. Buying and booking online is easy too using your credit card. Let us borrow the tagline of Superman “A great power comes with great responsibility “. We need to be responsible enough in using our credit card for us to be able to use it continuously.

I always use my credit card in buying groceries, when I received my salary I will set aside the amount I already spent in buying groceries thru credit card so that once my due date comes I already have the amount to pay my due. Using credit card help me to buy the things we need especially if I don’t have cash and payday is not yet to come.

Your credit card cut off period is very important. Let say your cut off period is every 16th day of the month, spend the amount that you can pay until this date. And if you need or want something you buy but you cannot afford to pay it for your current billing buy it after the 16th day so that it will be posted to your next billing.

Upon application, there is a part of the application that the bank asks you to apply your account online. Do so, for you to be able to monitor the flow of your account. You can see the available balance and the amount you spend and where did you spend it online. You will also notify about your due date in the email. Check your account online every once a month, by doing so, you will always know what you will be going to do, to swipe or not to swipe your card anymore, or do you still have available balance and how much do you need to pay for the month.

There is also part of the application if you want to apply auto debit. It is ok to apply auto debit so that you will not going to miss your due date and not going to incur a penalty. Pay your due in full amount always and not just a minimum amount due. Paying the minimum amount due will make you pay additional interest and fees. If you cannot pay the full amount, pay the highest amount that you can afford and call your bank to negotiate for a small interest and fees.  And If you have already your card and you did not do the above instruction, you may contact your bank and ask for the changes and update for your account.

Use your rewards points wisely. You can pay your annual fee using your rewards points but check other deals they offered that will benefits you more than by just paying your annual fee. Choose the credit card that offered “no annual fee for life”. There is some bank offered this kind of services.

Spending, buying something you want and give yourself a little pleasure is not bad as long as you know your limit and you know how to be a responsible credit card holder.



Beautiful hearts deserve to be thanks


I have a friend who inspired me to add this page from my website. She was really a kindhearted person. Whatever I have now, whoever I am, she has a big impact on it. I am not saying I am rich now nor having a big saving in a bank. I just wanted to say that she contributed a lot that’s why I survive for the past years. Maybe it’s my way of saying thank you to her, I am really grateful to her. Thanks a lot, my friend.

You know what? she doesn’t have millions nor a big house, she just has enough for herself and for her family but still, she is willing to help. Unlike others, they donate or gave only what is just OVER from their wealth. I am not saying that’s bad or something, I just wanted to emphasized that she’s special. She continues to help them until now and I think it’s much better if we help not just a certain area but to make it bigger and to give them more than usual.

We cannot blame the world to see poor people around us, we cannot blame GOD either for creating them and we cannot blame them for being poor because they don’t like to be one. Instead of blaming them why not help them, help them to bring a smile in their lips, help them to realize that life is not that bad after all.

Success brings Happiness or Happiness brings Success?


LIFE, it can be mine, it can be yours, it might be a happy ending or it would be not.

Then what is the meaning of life?

There was a girl living in a suburban area in a faraway island of the Phils. She’s a simple girl with a simple life. She wants to spend her life inside the four corners of her room. She was very timid and very quiet, she just wanted to own her own thoughts, she can’t express herself easily to others.

She was not that talented, she was just only a third place when she graduated to elementary school. Yes. School. Preschool, elementary, high school, college, who says we need to go to school for about 1/3 of our life? Does it help us to be successful in the future? Who says it is and who says it's not?

There was a girl I saw in the middle of the night under the moon. She was reading a book behind the post of the street light. And I thought how can she handle to stand in there by just reading the books? It is worth it? If I am her, can I stand in her place, can I do what she did?

And there was a young boy who’s working as an errand boy in a church. He’s a scholar of a priest, He’s working hard to get the scholarship. He is cleaning the church, cleaning all the chair and religious statues. He’s also cleaning the Comfort room. But behind the history of a boy without knowing, his parents own 30 hectares of land somewhere out there. He just wanted to prove that even without his parent’s help he can succeed.

What has happened to a young boy? Would you imagine?......

After he graduated high school, he transferred to the cathedral. Wow, cathedral. What an amazing place to live in. But for him, it means a lot, a lot of work to do than before.  It has a big area to clean than a church, it has many statues to take care of, it has many priest and nuns to serve than in a church. But he had determination, he had his so-called goals, he doesn’t want to give up so easily.

Years later, he graduated to college (engineering course). He’s happy, he’s proud to himself of course, after so many years he proved to himself that he can do it, he can do it alone. That’s nice, that’s good, let us all congratulate him. Congratulation, you’re the man! Is he now successful? Is he now fulfilled?

This man believed, a person can do everything on his own, if you really want to be successful you can achieve it, you don’t need anyone. He doesn’t like a person saying I cannot pursue my education because we are poor, because we don’t have that, blah blah blah. For him it’s just an excuse, you're just being lazy, that’s why you cannot do it. You just don’t want to do the hard work.

Working hard, strive harder, living in miserable, is that a life we wanted to have? After so much hard work, so much pain, too much heavy loads that we carry, is it really a sure path to success? Does it have a sure path to a happy and contented life?

Then why life is so unfair? I saw this boy living in a wealthy life, hanging and playing around with his friends at school hours, not paying attention in the class discussion. He was the pain in the ass as I could remember, He is bullying someone below his so-called “class”- rich. He did not do his assignment nor projects, He was not even looking in his books, even ounce. Who could think that he will become the president of a big company someday? Why the girl I saw earlier need to study hard under the street light and why the young boy needs to be an errand boy just to have a scholarship while there is someone who can be a president of a big company without even looking his books? Why life is so unfair?

They said God created everything, he gave life to all living things on earth. He gave life to the trees, to the plants, to the animals, and to us, humans. Does it mean God is being unfair? He created rich and created poor. Does he like poor to suffer that much?

The errand boy who graduated with his engineering course took up the licensure exam and he successfully passes it. He got a job, he went abroad and he goes back. He made his own family. He became the president of his own construction company at his 50’s. But his business was not that stable, he still needs to focus on it to ensure its success. He still works night and day, and how old he would stop? Do you think he will go to enjoy the fruit of his labor? in what age? until such time he cannot eat tasty food because of his health? until such time he cannot go on a vacation because of being too old?

Life is not having everything you want, nor having everything you need, it’s not about being a success, it’s about being happy every second of it.

The girl who studies under the moon became a doctor. She wanted to help others like her that is so poor who cannot afford to go to a hospital nor can buy medicines.

Her father died and so her mother, they don’t even have food to eat. She struggles so much to finish her studies. She is now a doctor, but is she happy? Maybe, maybe not. Her goal is to finish her study and be successful for her parents, for them to enjoy and feel the life of having everything they want. But it’s not instant, its need time and hard work, maybe their time is too short for them to see her success.

Achieving success is not bad, enjoying life is not that bad either. Achieving success while enjoying your life is much better.

Let's enjoy LIFE!