SMART Savings Goals this Year
RUBY CABERTE
by RUBY CABERTE
3d ago
After the pandemic, things are not the same, especially in my finances, but I am still trying to do my best to stand again. This includes my savings goals. And to make it more realistic, it’s a good idea to set specific, measurable, achievable, relevant, and time-bound (SMART) savings goals for myself. Here are some examples of savings goals I might consider setting for 2023: Emergency fund: I aim to save enough money to cover three to six months’ living expenses in an emergency. My emergency fund was depleted back in 2020. Down payment on a home: I am planning to buy a retirement home in ..read more
Visit website
Practical Tips in Keeping Yourself from Digital Threats
RUBY CABERTE
by RUBY CABERTE
2M ago
Online scammers and hackers have tripled, with many people going online during the pandemic. Cases increased tremendously, and an alarming number of victims are causing a lot of people concern, especially here in the Philippines. We have informed many people, time and time again, to always think before clicking, but somehow people have forgotten about this. This adage is not only for posting personal thoughts on social media but also when getting suspicious links via messaging apps, emails, or even SMS. Until now, they kept on falling for it. Aside from that, the leaking of information from ma ..read more
Visit website
Entertaining Games That I’ve Been Playing Recently
RUBY CABERTE
by RUBY CABERTE
3M ago
As a single mother and caretaker to three children, not to mention being the sole breadwinner (I’m a teacher), life is pretty stressful. But I’ve been able to take a good amount of that stress away with games. As a person who grew up with the first video games and the then-nascent internet, I’ve always been a bit of a gamer, and it’s no surprise that this was taken up by my kids, who are quite serious sometimes when it comes to the games they play; on the other hand, I tend to be mostly on the casual side of things when it comes to my games. I’ve said that I am a teacher, and some views on tea ..read more
Visit website
Second Chances for the Financially Downtrodden
RUBY CABERTE
by RUBY CABERTE
5M ago
Everyone deserves a fresh start. Not only in certain aspects of life but in every aspect, and one of those is our finances. Not everyone is born with a great financial quotient, some learned how to handle their finances from their parents or from others who don’t know any better. Personally, I didn’t learn about handling finance properly from my parents. Not because they didn’t have the financial intelligence for it, but because there is nothing to manage. We were poor. All of their income was spent on my education. And besides, changes in financial mindset just started recently when a lot of ..read more
Visit website
Realizations After Experiencing Financial Struggle
RUBY CABERTE
by RUBY CABERTE
5M ago
I wrote a blog post on simple budgeting and debt management tips a few months ago. I may not be a well-known authority on this matter, but this is something I am familiar with. One, I accumulated enormous debt during the pandemic because of job loss. Second, I have struggled with budgeting for the past few decades, but how I perceive it changed after I got into a large debt in 2020. I am still in debt, but I have paid several personal loans over two years with budgeting and debt management. I am no financial guru, but I have learned a lot in two years that 2020 and 2021 are my life-changing ye ..read more
Visit website
What Are the Top Industries in Indianapolis in 2022?
RUBY CABERTE
by RUBY CABERTE
9M ago
Indianapolis is a big city with a small-town feel, one that was founded as a manufacturing and transportation hub in 1821. It grew to be the second-largest railroad center in the nation and home to 60 automakers, giving Detroit a run for its money in the car industry. And what of the job market there today? The city has a low unemployment rate of 4.2% and thrives in industries outside of the transportation sector. More than 90 national companies across industries have headquarters in the city. Among these are Anthem Inc., Simon Property Group, Angie’s List, Dow AgroSciences, Finish Line, and t ..read more
Visit website
Simple Budgeting and Debt Management Tips to Lean on This Year
RUBY CABERTE
by RUBY CABERTE
11M ago
As defined here, budgeting and the budget is “Is the process of creating a plan to spend your money. This spending plan is called a budget.” The wise spending of money is a good thing to learn, then. But what exactly should you learn when it comes to budgeting? Here are some tips for you to follow for a straight shot into budgeting. Address Your Debts Debt is such an easy word to say, and such an easy thing to accumulate. Thankfully, there are a lot of ways and provisions that can help you counter debt and slowly get out of it. And one of those ways is debt consolidation. In essence, debt con ..read more
Visit website
What to Know Before Moving to St. Albert
RUBY CABERTE
by RUBY CABERTE
11M ago
While the weather in St. Albert can be a major drawback for those who do not appreciate being cold, it can also be a lot of fun for those who do. There are trees and parks all across St. Albert. It is a very eco-friendly neighborhood. The community includes a lot of concrete walking pathways and the streets are lined with trees, making it a wonderfully attractive location to live. Here are some things to know before considering whether or not this is the perfect place for you. St Albert Clocktower Downtown. Photo Taken from Wikipedia User Mr. Accountable. The Great Outdoors The beautiful Canad ..read more
Visit website
Other Fun Online Games I Play
RUBY CABERTE
by RUBY CABERTE
1y ago
A few months ago, I blogged about three types of games you should try. I recommended that one should play classic games, simulation games, and educational or puzzle games. These type of games stimulates the brain which eventually lessens the early onset of Alzheimer’s disease – a brain disorder that slowly erases our memories and the capacity to think and function. This is the reason why I still play games even with my age right now. I am already 42 and I still enjoy playing games. Well, I don’t enjoy fast-paced games anymore but I like playing more classic and puzzle games just like I mention ..read more
Visit website
Practical Steps to Keep Your Blogs Safe and Secure
RUBY CABERTE
by RUBY CABERTE
1y ago
We keep on hearing that we should keep our digital properties safe and secured, but time and time again, we see a lot of hacking and compromising. The usual cause – something we could easily avoid! When we become complacent, this is where things can go out of hand. To avoid headaches and frustrations, here are some practical tips to keep your blogs (and any other digital properties) safe and secure: PASSWORDS. Keep your passwords long and secure. Don’t use the same password in all of your blogs and digital properties (bank account access, social media accounts, etc.). Don’t put them on noteb ..read more
Visit website

Follow RUBY CABERTE on Feedspot

Continue with Google
OR