The Ultimate Debt Killers

Are you tired of saying yes to debt and no to life? Are you saddened by the fact that your payday equates to you, paying for your debts? Living debt-free is one of the sweetest things that can ever happen in your life, and although it may be challenging, especially when the newest collector’s shoes are out in the market, it is never impossible to say ‘no’ to debt and ‘yes’ to a happy and fulfilled life.

One of the most influential and wrong perceptions most consumers apply is that staying out of debt may hinder them from living a full and contented life because in reality, it is the other way around. Debt is a trap set for you to live in misery. You may enjoy your newly bought Ferrari now, but how many years would you have to suffer for buying items that you can’t really afford to pay? No matter what specs or advertisements you may have seen, you must learn how to count figures and know your financial limitations. Otherwise, you will end up suffering from debt plus your monthly dues.

Credit Card—Need vs. Want

A major culprit that can cause you your savings is a credit card. Before applying for a program, ask yourself if you really do need a credit card or if you are just availing it for availing wants and to feed your hunger for new collectible items. Paying cash is always best, especially since you won’t have to worry about monthly interests afterwards. Instead of buying impulsively, get your head straight and try to think if you really want that item. If you really do and you can’t sleep on it, go ahead and indulge. If not, then don’t go back to the mall because you might end up buying an item you don’t really want and need.

Also, if you are applying for a credit card, make sure that you’d avail of one that has the lowest interest rate. Additionally, do not set your credit card limit to as high as the roof. Instead, minimize your credit card limit for you to make sure that you won’t be a victim of impulsive buying.

Save for Possible Debt

Well, in this life, you can’t really be debt-free all the time because there will be instances when you’d need to borrow money. However, this doesn’t mean that you won’t act on this as soon as possible. While you still have all the strength to work and pay off your bills, allocate a portion of your earnings for your savings account and never forget to allot a part of it to manage your debt. This way, you won’t have to worry about interests that continue to increase monthly. Remember, the sooner you pay for your debt, the lesser the chance you’d have in suffering from too much debt.

No one can ever rescue you because in the real world, you have to be responsible for yourself and your monthly expenditures. If not, you might as well say goodbye to happiness and success.


Where To Go This Coming Holiday Season?

It is almost 80 days to go for holidays to come. Have you chosen where to treat yourself and your family on these most awaited days? Have you ever tried to go on a tour with your love ones? If not yet, this is the best time to travel with them. It does need to cost you a lot, you only have to do choose the best place where you can spend happy holidays with them, most probably a place far from the noisy cities.

Being in a serene place with your family is like a treat of heaven. Having a time to hear your siblings‘love stories and laugh at your parents’ corniest joke is a lifetime treasure. Make sure that your family will have an unforgettable holiday season this year. Travelling will be the best gift ever that you can share with your family, so here are some ways to plan it.

How to have a budget friendly tour?

First, you must be able to choose at least three places that you want and your family will enjoy. Let us say a lakeside transient house – where you and your family can enjoy fishing together. Cooking whatever you have caught over a bon fire. Or perhaps, you may want to go out of the country and feel the breeze of tropical beach sides – where you can surf up and snorkel with your brothers and sisters and walk on the seashore with your parents.

Second, make a research. There are a lot of budget friendly tour packages available for a family trip. If you will check on line, a lot of travel agencies offer all-in packages wherein transportation, accommodation and tour are all included. Or you may opt to arrange your travel by yourself. It is best to book a flight as early as possible. Airlines always give promo fares that you can enjoy; you just need to watch out for it.

Third, set your itineraries. To enjoy the most out of your travel, make sure to make a list of places to visit. Remember that you travel to enjoy and visit the amazing places out there. Don’t lock out your family inside the cabin. Teach them to explore the world and enjoy every minute of it.

Fourth, ensure to make an inquiry to you friend who has already travelled on the same place. Asks them where the best place to stay is and what is the best food they have tried in there. By doing so, you are rest assured that you can give yourself as well as your family the best holiday season ever.

Fifth, limit your budget. This is a must for every traveler. Even though you have enough fortune to spend, you must set a limit. You don’t want to end broke after spending too much on your dream tour right? I am not telling you not to spend, instead I am telling you to spend wiser. Like for example, treat your family in to a country style restaurant where the town best cuisine is served rather than spending much fortune on a fancy restaurant with foreign cuisines.


Picture of The Week #12

The Artistic Adventures Of Strawberry Finn

Today’s photo of the week is called Invisible by Laura Williams




Unfortunately, I was not able to find a working source for this image


Thus far I don’t think I’ve really posted much, if anything, illusionary on my blog. When I saw this first thing this morning, I knew it was love at first sight. The way this picture is composed with the girl in front is a standard technique, but the extremely difficult part to this piece is photographing her straight on without reflecting your own image in the shot.


The fact that the artist was somehow able to do this is pretty astounding (whether it was post production work or not). The effect that she got with this mirror is beautiful too, attempting to fool the brain into feeling like there’s nothing behind her at all. She even managed to line up the back…

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Isn’t It Ironic?

Just a random thought. You studied hard back in college to get medals that no pawnshop will accept (hahahaha). You studied hard back in college to get good grades and title yet you are working at home now and you can’t even brag to your client about your educational achievements because you were never employed as a nurse.


I don’t want to go against education but don’t you think that most of the time YOU DON’T NEED A DIPLOMA TO land a job that can help you reach your financial goals?

Steak recipes For A Great Dinner

Steaks are delicious but they are not quite so easy to do right. You need to get the flavor and tenderness to make a perfect steak.


Here are some recipes that will help you make a steak that will be the center of attention  of any grill party:

Cube Steak Milanese


  • Four tomatoes, sliced into cubes
  • One onion, diced
  • One egg
  • One half cup of breadcrumbs
  • One half teaspoon of salt
  • One half cup of parmesan cheese
  • One half teaspoon of ground pepper
  • One fourth cup of olive oil
  • One tablespoon of lemon juice
  • One half cup of rosemary, crushed
  • One fourth cup of basil, crushed
  • Two tablespoons of minced fresh parsley
  • Four cups of spinach, roughly chopped
  • One pound of cube steak you can cut it into three or four pieces

You need to do:

In a bowl, place the chopped tomatoes and onion.

In a separate bowl, whisk the egg, add the breadcrumbs and cheese. Make sure that it is properly combined before adding in the parsley.

After slicing the steak into smaller pieces, season each with salt and pepper. Then, immerse every piece in the egg mixture. Remove the excess. Cover immediately with breadcrumbs on both sides.

In a pan, heat about two teaspoons of olive oil. Heat it over medium heat. Place the steak and cook until golden brown on one side. This usually takes around three to five minutes. Turn the steaks over to the other side and add another teaspoon of olive oil. Let it cook until the steaks are done. It takes another three to four minutes. Transfer it in a plate and cover with some foil to make sure it is warm

After cooking, take the tomato mixture and add o half cup of cheese into the mixture, Add some pepper and salt. Place in some spinach and oil, basil, rosemary and lemon juice. Toss it well.

In a plate, place the steak and arrange the tomato mixture. Add some garnish.

Grilled Buffalo Steak


  • One fourth cup of goat cheese
  • One teaspoon of mustard powder
  • One small onion, minced
  • One tablespoon of fresh parsley, minced
  • One teaspoon of sea salt
  • One teaspoon of pepper
  • One pack of baby beets
  • Two tablespoons of virgin olive oil
  • Two tablespoons of vinegar
  • Two small endives, cut into smaller quarters
  • One pound of buffalo steaks

What you need to do:

Cut the buffalo steak, remove the fats and cut it into four pieces.

Heat the grill to high.

In a bowl, place the cheese in a bowl, and crush it until creamy. Add vinegar, mustard powder, onions, parsley, salt and pepper. Combine properly. Mix well and slowly add a tablespoon of oil. Blend well and set aside.

Cut endives into smaller quarters. Thread the chunks with the beets in the skewers. Pour in  about one and a half teaspoon of olive oil. Rub some oil in the buffalo steak. Season the steaks and vegetables with salt and pepper.

Grill the steaks for five minutes on each side. It will be medium-rare. Grill the vegetable skewers and turn it frequently. Do not let it burn, Put the steaks in the plate. And add the skewers. Drizzle with sauce.