By Efren Ll. Cruz
Question: Christmas is just around the corner and it is not uncommon for me and my family to rack up total bills worth P50,000. Are there tips you can give to help us manage our expenses better during the holiday season?—Family desiring to follow the straight and narrow financial path
By Lilia Borlongan-Alvarez
’Tis the season to give and pay back, and the sound of cash registers ringing loudly in malls is temptation enough to shop till you drop. But with money getting tighter by the day and more people not finding jobs, families are now more careful about how they spend their income and windfalls. For parents and couples, the holidays have become a source of family conflict and stress—what with so many people to give gifts to.