Cathonline

Nowadays, hundreds of diseases can be caught by skin contact. If you are familiar with N1H1, you probably know what I’m talking about. But we can’t refrain ourselves or our kids from holding and touching objects found in public places, where germs can mostly be found. So taking an extra precautions is not a bad thing. Washing your hands with soap and better is the best way to keep the germs at bay. But as we all know, it is not always possible.  Wherever we go, esp when we are with the family, it is better to bring hand sanitizer to sanitize our hands whenever we don’t have access to soap and water. There are many kinds of hand sanitizer products you can find in the market. The best are those with... [more]

What does frugal living means? Does it mean having a lifestyle that is poor and cheap? The answer is a big NO! Frugal living means simply making your money go further. It is wisely cutting back on things that you don’t necessarily needed… but doesn’t mean completely living without it. Say you allocate $200 for groceries. You can reduce it to $150 by buying only what you need and few on things you want. If you buy 2 dozens of chocolates… then why not reduce it to 1 dozen. To be frugal is to cook meals at home, instead of getting takeaway or eating outside. It is about going to  garage sales to buy pre owned clothes and goods, instead of paying full price in a department store. It is about finding... [more]

Who can predict life and tell what exactly would happen? It is important that we save enough for rainy days. Say, suddenly you are out of work, do you have enough savings to keep you going without worrying about your monthly bills and groceries while looking for another job? The next question is, How much is enough as an emergency funds? Basically, a three months worth of your salary is good enough. But if you can make a savings of about 4 to 6 months worth of your salary, the better. 3 months is enough period of time for you to be able to set yourself again. Any savings more than that makes you more secure and safe. It is important that you set this money aside in an account separate from your regular savings account.... [more]

We all love to have hundreds of channels to choose from, and thousand of movie to watch through pay per view but do we really need them all? Can’t we live without it? Why not go basic? It’s much less than the premium price and you save yourself a number of cash bills over time. Life is getting harder and harder nowadays. We must help ourselves to be able to survive during financial crisis. The point is, during financial crisis, more often than not… we find it difficult to make it until the next pay day. The next thing we notice is that we are in front of the door of another loaning company or credit card company. Just before you go knocking the door… think a little more. Is this is your last... [more]