Freedom with Debt Consolidation

Debts from multiple companies, of at least four, is the worst thing I have ever done in my life. I am looking for the best excuse for doing such. And the only thing I can think of is my family’s financial problem. Ever since I got a job I always help my parents in sending my younger siblings to school. Although it is not my obligation, I just don’t want to see my siblings having difficult time with their school fees. And I don’t want to see my parents having too much financial burden.

Since my income is not that much, it can’t even suffice for my basic needs, I resort to continually borrowing money from colleagues and even to financial institutions and loan sharks. From that on my debts soar sky rocketing like it’s never ending. And the only money left to me at the end of my payday could only suffice for five days. The rest of the days, well, I have to do extra work to make both ends meet.

Last year, I finally decided to get debt consolidation services. I want financial freedom from all the colossal interest rate I am paying my creditors. I am also planning to change my work as I can’t see improvements in my salary regardless my efforts.

I thought it would be impossible to consolidate debt. But it did go well. For now, I am living a much comfortable life, especially that I can see my debts are decreasing gradually. I am on my way to financial freedom. All I can say is that I was able to get the best debt consolidation service I can avail. They have helped me clean up my mess. And I feel so happy about the results I am getting now. The lesser my debts are, the lesser my worries.

Tagaytay, Philippines

tagaytay
TAGAYTAY, 70km south of Manila, perches on a 600-meter-high ridge overlooking Taal Volcano, and because of its cool climate – on some days it even gets foggy – is a popular weekend retreat from the heat of the nearby capital. Unfortunately, rash development and abuse of building restrictions have rather turned Tagaytay into the tourist town from hell, with congested roads and menacing shoals of tricycles. Thankfully, you don’t actually have to go as far as Tagaytay itself to enjoy spectacular views of the volcano. The views are best if you get off the bus near the Taal Vista Lodge Hotel, where you can visit the gardens (free admission) and get a good Filipino buffet lunch. Taal Volcano is still active, and there are occasional rumblings that force the authorities to issue evacuation warnings to local inhabitants.

The volcano last erupted in 1965 without causing major damage, but when it blew its top in 1754, thousands died and the town of Taal was destroyed and had to be moved to a new location on safer ground. If you want to climb it, the jumping-off point is the small town of Talisay on the shores of Taal Lake. The best way is to hire a boat and guide in Talisay for around P1000. If you make an early start, you can climb to either the new crater or the old crater (both are active) and be back in Talisay in time for a good fish lunch at one of the many native-cuisine restaurants along the shore. There is not much shade on the volcano and it can get hot, so don’t go without sunblock, a good hat and plenty of water. You can find out more about Taal Volcano and other volcanoes at the Taal Volcano Science House, 5km west of Talisay in Buco, next to the Buco Resort.

photo credit: Tony Medina

hubby decided to join my exercise

Yepey, hubby decided to join me in my exercise. Actually, he realized that he is adding too much weight because his inner thighs are already bumping with each and his tummy is getting bigger. So, we started our weight loss journey together about three days ago. And we have been talking that if we will own a house in the future, we want to have a mini gym with elliptical, treadmill and little weights for muscle toning. I hope just hope that his enthusiasm to join me will not fade soon. He quits mostly when he feels that he already lose weight. Like what he did before.